I moved to John lewis last year. No clains in the last year so cant comment on the service. Hopefully if I have to make a claim the JL brand will stay true to its name. The reason I have said poor is I am due for renewal and they have increased the price. The reasons given were 1) Govt has put the insurance premium tax 2) I came through a price comparison website so the discount is taken away this year!!!!! 3) The home emergency cover was included as standard but at the same time was on a promotional offer!!!!. Essentially since it is standard on the policy I don't have a choice and pay up the increased prices. I think it doesn't remotely make good business sense that loyal customers should be punished for their loyalty while you discount prices for new customers just to ensnare them into your policies.