We like John Lewis and finance especially for first year insurance. We had taken both house and contents insurance. Bothe separate as it was cheaper in 2024/2025. However the renewal came in 40% higher on both separate policies. This was outrageous. They claim it is inflation, increasing claims but other quotes do not have these issues. This is simply greed of the underwriter/John Lewis or both. It reflects very poorly on the trust of this brand. We have no claims on our insurance on both house and contents and had Gold cover. I am writing this review as I think regulators should not allow such gross changes to premiums year over year without fair reason and should be regulated and to alert others. You may get a fair quote for first year (maybe) but not after and none of our criteria has changed. When they say cover unlimited" what they mean is there Fees are unlimited" Shame on you John Lewis. Think the underwriter was Munich Re. Now with Home protect underwritten by AXA. Hope this helps someone and if anyone senior at John Lewis reads this they should solve this immediately. PS we had cover costing £2.5K per year so was not cheap to start with!