I've insured with JL, using their Premier level Buildings and Contents insurance, for 4 years - and have just received my renewal for what would be a 5th year. Each time I have been sent a renewal premium it has increased way beyond inflation, and each time I have called them and they have either reduced it, or shown me a slightly different policy which has kept the premium roughly the same. A couple of years ago i simply went online, reapplied, and got the same policy for nearly £150.00 less than my renewal quote (there was one fairly minor difference, but nothing that should have justified a difference of £150). This year (2018) my combined buildings and contents premium has risen from £618 to £713 and when I called them I was told that "because your buildings premium has gone down by £9.00 that's why the contents premium has increased (by nearly £100). It was obvious the guy didn't know what he was talking about, and when i pressed him he muttered something about "we now have to take the number of bathrooms into consideration". At this point I gave up! At the very least they should provide some explanation on the renewal letter as to why the premium has jumped by so much; on principle I'm not paying a 15% increase when I haven't made a claim, and no other comprehensible reason for the increase has been provided. They did the same with my Pet insurance earlier this year - I saved over £100.00 by insuring elsewhere