Furthermore to my husbands detailed explanation regarding the deplorable Sainsburys pre-existing conditions policy I would like to share my experience of their customer service we have experienced thus far. They claim in their T&C's that they aim to settle all claims within 5 working days a claim we submitted in September 2015 has only just been refused (5 months later). We have spent hours on the telephone, never received letters they claimed to sent, they twice claimed not to have received information sent, then apologised on both occasions admitting they had received them. There has been a catalogue of errors throughout, they are apparently sending a cheque by way of an apology.....avoid this company or you will regret it.