I bought this insurance as it appeared to be right for my needs. I tried to make a claim, 3 years in, on a wall that had collapsed. I have never had so much frustration over a simple thing. I got through to the claims dept and they had a NO answer for every item mentioned, it was a very irritating, professional 'no' sayer. ( With one of those voices designed to make you irritated.). In reality, this insurance is not fit for purpose, they may be okay on the buying and what they supply, but when it comes to making a claim, be very wary. Don't know who the supplier is, but they are not fit to trade under the John Lewis name.