I joined John Lewis Premier Insurance 2 years ago on the recommendation of a friend. I had been with my previous company for 10 years and never made a claim. John Lewis set my no claims discount at 9 years as they stated that was the maximum they allowed. At the start of year 2 they put my premium up by 14% and despite not making any claims they reduced the no claims discount from 9 to 5 years. They also dropped the personal possessions limit from £3000 to £1838 and the single item limit to a similar amount. These new lower limits conflict directly with the published minimum limits for their Premier Insurance. Apart from the price increase I was not informed about the other changes which I spotted in my new policy schedule which I received after the 14 day grace period and after they had taken the payment. They refused to give a reason why they had reduced my no years claims bonus and also declined to correct it. When I rang to cancel my policy - this method is clearly stated in the policy's terms and conditions said it must be in writing. They tried to give me the hard sell stating needed to transfer onto their Specialist insurance to be covered and when I declined became aggressive and rude. My time with them is at an end and strongly recommend that you do not join them.