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dwl
ExTra
If John Lewis content / building insurance is underwritten by the same insurer - RSA and if it's the same divison as their pet insurance then tread very carefully and question them with every last bit of details you can think, every last possible scenarios that could ever happen you and your belongings. Read every single word in your policy docs at least twice and DO NOT believe everything it states in there. They are sneaky bastards, they had the guts to tell me they are not, by law, obliged to disclose all important T & Cs that would affect your policy, renewals and claims, as the underwritings are so complicated that it's impossible for them to disclose everything and customers won't understand anyway...
My experience with them is for pet insurance and now it's the the hand of the financial ombudsman - that I have been misled into buying something I was not presented with all the facts, therefore, I could not have made an informed decision.
Pet insurance can only be cheaper and simpler than content / building insurance, so tread carefully!!!!
Don't be fooled into their good customer service and personal touch etc etc, because they are very good at this.