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  1. Hi, I am hoping someone here can give me some advice as I am really worried about this I changed my home insurers to John Lewis (from NatWest) in January this year. No specific reason as I was always happy with NatWest but my premium had increased so I shopped around. To my knowledge I gave JL details of all previous claims (i.e. I am not aware that I failed to mention any) and I did not take out no claims protection or did I benefit from a no claims reduction in my new policy. In June last year I claimed with Natwest for a damaged speaker under the accidental section of my policy. Last Thursday my daughter dropped one of my wireless speakers and it was not repairable so, given the cost of it (£499), I contacted JL to make a claim. They offered me a cash settlement which I was happy with but then called to say that "due to the number of undisclosed claims" they would be referring not only my claim for the speaker but also my entire policy to their underwriters. Today I get a call from the Cotswold Group wanting to interview me over the telephone about my claim. I didn't answer because I was in a meeting. I googled them and they are private investigators and insurance fraud specialists I then received an email asking me to make an appointment to discuss my claim and policy naturally I am very confused and scared as to why JL have instructed them to contact me? I decided that given the simplicity of the claim I would call JL to advise them I no longer wanted to proceed as it all seemed rather odd. The chap I spoke to said "I will pass this on to our specialist team" which again caused some alarm. He was very abrupt and then literally minutes later I get another email from The Cotswold Group saying this: "I have received a call from John Lewis to advise of your call mentioned below. They have confirmed they are unable to accept the withdrawal of the claim as we have been appointed to carry out further enquiries in relation to your claim and policy before any decision can be agreed." They are INSISTING I speak to them and I am thinking Why am I being investigated for what JL obviously think is insurance fraud by a team of private investigators specialising in "deep web mining"? Even if i did omit to mention the NatWest Claim last year it was definitely not on purpose! I am quite literally terrified now. Can someone please help or explain why they are doing this and how I should respond to the email from The Cotswold Group. Why are JL refusing to allow me to drop my claim??
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