John Lewis Car insurance

Car insurance is a legal requirement in the UK, so it’s worth shopping around to see which insurance providers are offering the right cover for you. Might John Lewis tick that box?

Do you want comprehensive cover? What does third party only insurance include? How about adding some breakdown cover or legal protection to your car insurance?  

Learning about some of the insurance providers could give you a helping hand when it comes to untangling the different policies and cover options.  

Let's take a look into the world of John Lewis car insurance. 

Are you ready? Seatbelts fastened? Okay, let’s get going! 

Compare John Lewis car insurance 

The first branch of John Lewis was opened in 1864 on Oxford Street in London. It has since opened another 48 stores (including a branch in Australia!) and introduced its online shop in 2001.  

All John Lewis staff are called 'partners', because they collectively own the business, which has had a partnership with Waitrose since 1937.  

Most of us will be familiar with John Lewis as one of the giant British department stores with the cute TV adverts.  

What you may not have known is that John Lewis also offers car insurance policies. Oh, and it owns a farm too… 

Why insure with John Lewis? 

When we checked in February 2018, John Lewis offered third party only, third party, fire and theft and comprehensive cover.  

Third party only insurance is the most basic type of cover. It only covers other people (third parties), their vehicles and possessions that are involved in the claim.  

Third party, fire and theft covers damage to others, and will also cover your car if it's stolen or damaged by fire.  

Comprehensive cover - sometimes known as 'fully comp' - includes what’s mentioned above, as well as damage to your own car. Plus you get a payment of the market value of your car if it’s written off - minus your excess. 

More importantly than the car, it covers any medical treatment you may need as a result of an accident. 

As a standard part of its fully comp policies, John Lewis includes: 

• 90 days European cover 
• Windscreen cover 
• Misfuelling and vehicle ID theft cover 
• A replacement or courtesy car 
• Emergency journey cover – in an emergency, a certain amount of your taxi or train fares are reimbursed 
• Uninsured driver protection - you won’t lose your no claims bonus and you can claim back your excess if you’re hit by an uninsured driver

John Lewis sometimes has discounts and store vouchers for its car insurance customers. 

Can I get breakdown cover included? 

Yes! Breakdown cover is one of the add-ons that John Lewis has to complement your car insurance policy.  

Excess protection, legal cover and protected no claims discount are the other optional extras you may be able to get. Always compare to make sure the level of cover you're getting is right for you. 

Find policy reviews 

It’s a good idea to research John Lewis car insurance before you shell out for a policy.  

John Lewis car insurance has a 5-star Defaqto rating, and there’s a mixture of reviews on sites like reviews.com, as well as on its own website.   

With so many customers, it’s inevitable that there are going to be some negative reviews, so remember that what doesn’t suit one customer might suit you - or vice versa. 

As long as the car insurance policy you buy has the right protection for you - and preferably for a good price - then you can be assured that you’ve got what you need.  

How to get a John Lewis car insurance quote 

Well, you won’t be surprised to know that we recommend comparing car insurance quotes. 

That way you'll see if John Lewis is offering the kind of cover you need, and whether it’s at an affordable price. 

It’s probably quicker and easier to enter your details once and let us do the comparing work for you. If you’re lucky, you might even find your car insurance cheaper than you were expecting - fingers crossed! 

By Amy Smith