I initially went to John Lewis for a quality insurance which I believed I was getting. It is actually a Royal & Sun Alliance Insurance policy you are purchasing. The premium I was expecting to be a little higher due to the expectation of better quality of insurance. This year after another increase hike to £300 just for contents with +5yrs no claims, I decided to shop around and low and behold, found a better quote giving greater cover for under £100. Thanks JL for rewarding loyalty... Recommend you shop around online, takes half hour to save a couple of hundred quid and switch, there's nothing premium about your policy apart from the John Lewis logo on the letters...