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Why choose John Lewis Car Insurance?

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Reap the rewards of careful driving - we offer a No Claims Discount of up to 75%* and in most instances we'll give you the option of protecting it.**

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Stay on the road when you make a claim - we'll give you a Courtesy Car while your car is being repaired (Comprehensive Cover only).**

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Never miss an urgent appointment - if it’s an emergency and we can’t arrange a replacement car in time, we’ll refund your taxi fare.**

Did you know?

As a partnership card™ holder, you can get up to a further 10% off when you buy a Car Insurance policy.

Your discount will be applied automatically when you get a quote.

*Maximum 75% is only available with 9 years or more No Claims Discount.
** Terms, conditions, limitations and exclusions apply.
† Over 80% of partnership card customers purchasing received 10% off based on our Car Insurance sales data from 1 January to 31 March 2014. AC24629.
†† Discount is automatically applied when you get a quote.

Choose from our range of optional extras to make sure you have the right protection.

Simply get a quote and then add the extras you need.


Legal protection - £24 per year

If you’re involved in an accident that's not your fault, Legal Protection can help you to protect yourself against what are known as uninsured losses. These are potential financial losses which aren't covered by your standard insurance policy. Uninsured losses generally include:

  • loss of earnings
  • cost of alternative travel arrangements
  • recovery of your policy excess from a third party.

Legal Protection will provide up to £100,000 towards legal expenses to help recover these losses. For any claim to be accepted there must be more than a 50% chance of success.

View Legal Protection Policy Wording (PDF)


Car Breakdown Cover - from £40 per year

We offer three levels of Breakdown Cover:

  • Roadside Rescue
  • Home Rescue - which in addition to roadside rescue, also provides cover if you break down at home
  • European Rescue - our most comprehensive level of Breakdown Cover.

Find out more about Car Breakdown Cover

View Roadside Rescue Policy Wording (PDF)

View Home Rescue Policy Wording (PDF)

View European Rescue Policy Wording (PDF)


Excess Protection - £30 per year

If you need to make a claim for damage to your car, you’ll usually have to pay the total excess on your policy to the repairer. You can protect against this expense with Excess Protection which will reimburse up to £500 of your excess payment (excludes windscreen excess).

View Excess Protection Wording (PDF)


Protected No Claims Discount

Claiming for an accident that was your fault (excluding a windscreen claim) usually means you lose some or all of your No Claims Discount. However there is a way to protect your discount.

Protected No Claims Discount allows you to make up to two claims in three consecutive years without losing any of your No Claims Discount. This optional extra also allows you to continue to earn your discount in the years you don't have to make a claim.

We can provide Protected No Claims Discount if you’ve accumulated four or more years of claim-free driving. If you wish to protect less than four years of No Claims Discount we may still be able to help.


Read more about our customer's experiences.

Mr Godbolt

John Lewis Home Insurance

This is the kind of story I read on websites and find unbelievable, but it happened to me. Over three days, I found myself dealing with my elderly mother’s insurance company when she was burgled, my wife's car insurer when her car was crashed into and then my motorbike insurer (following it's theft), combined with John Lewis Home Insurance for the bike pannier contents.

Quotation MarksBy far John Lewis excelled in every area of the customer experience.Quotation Marks

I had an uninvited opportunity to directly compare how four insurance companies handled claims.

By far John Lewis excelled in every area of the customer experience. Courteous, knowledgeable, responsive and quick to both make decisions and to communicate them. I bought their Home Insurance and their performance has guaranteed my car policies. I now realise that the real test as to how good your insurer is in how they manage your claim.


Mr Ritchie

John Lewis Home Insurance

I switched to John Lewis Home Insurance as my previous insurer kept jacking up the premiums. When my mountain bike was stolen I didn’t think I’d recover its full value as it was four years old. The claim handler at John Lewis Insurance was a cycling expert and was very efficient and knowledgeable - he took me through the options and helped me find this year’s equivalent bike from the same manufacturer.

Quotation MarksI have recommended John Lewis insurance to anyone that will listen ever since.Quotation Marks

I was even able to upgrade to a better model and just pay the difference - though this was not mandatory! All the accessories: lock, lights, panniers etc were replaced for brand new equivalent (or better) parts. The whole process from theft to delivery of the new bike took less than a fortnight and transformed what would have been a terrible situation.

I have recommended John Lewis insurance to anyone that will listen ever since.


Mr and Mrs Whiting

John Lewis Wedding Insurance

My wife and I were looking forward to our wedding and had all of our venues and necessities booked way in advance. Then disaster struck 19 days before our wedding day. The business responsible for our entire wedding reception had ceased trading. I am just thankful that we decided to take out John Lewis Wedding Insurance.

Quotation MarksWhat impressed me most about John Lewis is that they seemed to genuinely care.Quotation Marks

We were able to speak to someone out of normal working hours the night we found out and within one week our claim had been approved and after another week we received our payment to cover our expenses and pay our new wedding reception providers.

This was no small task - not only did we need to find and pay for a new reception venue but what we lost was a package which included the DJ, Food/Drink, Bouncy Castle, Balloons and photographer! All of which needed to be booked with other businesses and all of which John Lewis were willing to pay for as part of our claim.

What impressed me most about John Lewis is that they seemed to genuinely care about our needs.

Without the help of John Lewis our wedding would not have happened and considering how little I paid to take out this insurance in comparison to how much we had to claim I consider it one of the worthiest investments I have ever made. The decision to add this slight addition to your budget could be the most important - it certainly was in our case.


Mr Annis

John Lewis Travel Insurance

Whilst in the water section of a supermarket in Portugal, a group of three girls approached me and asked for my help lifting a heavy bottle down from a high shelf. While I was trying to read the labels of several bottles high up one girl obscured me from seeing her friends steal from my bag, which was in the trolley just behind me.

Quotation MarksWe trust in the name
John Lewis.Quotation Marks

I was carrying water so did not notice the missing camera until I was back at the hotel. Immediately I rushed as fast as a man of 75 years can, back to the store and insisted the manager call the police. The policeman was most helpful and they gave me a copy of the paper work for my John Lewis Travel Insurance claim.

The John Lewis Partners were extremely pleasant and facilitated everything very quickly. One of the reasons I went with John Lewis is because I buy most major items from your store (as does my family) and we trust in the name John Lewis.

Customer feedback updated March 2014. If you'd like to tell us about your claims experience, feedback here.

Our new My Account makes managing your policy easier

We've launched an all-new My Account, making it easier for our existing customers to manage their Car Insurance policies online.

What's new?

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You can update your personal or address details, add or remove a driver and make payments online.

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You can now make real time updates, so you can check your changes and receive new documents immediately.

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The updated design makes it easier to view on tablets and mobiles, ideal if you’re on the move.

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You can access all your policy documents online.

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You can upload documents straight to My Account, making it easier to prove your No Claims Discount and send documents required for your policy.


For help with registering for or using My Account, please see our FAQs.

Compare our Car Insurance policy

Product

Replacement Car^ provided for up to 21 days as standard
Up to 75% No Claims Discount*
Emergency Taxi Cover as standard**
Vehicle ID Theft Cover as standard**
John Lewis Insurance yes yes yes yes
Aviva Direct no no no no
LV= no yes no no
Marks & Spencer Premier
yes no no no
Saga Private
no no no no
Sainsbury's Standard no no no no

Source: John Lewis Insurance Internet Survey 5th June 2014.
^If your car is a total loss, immobilised at the scene of an accident that was your fault or stolen and not recovered. Other Terms and Conditions apply.
*Maximum 75% is only available with 9 years or more No Claims Discount.
**Terms, conditions, limitations and exclusions apply.

Get a quote

Terms, conditions, limitations, exclusions and eligibility criteria apply.

John Lewis Insurance is a trading name of John Lewis plc. Registered in England No. 00233462. Registered office: 171 Victoria Street, London, SW1E 5NN. John Lewis plc is an appointed representative of UKAIS Limited (No. 02613429). Registered in England and Wales at Prospect House, Gordon Banks Drive, Trentham Lakes North, Stoke on Trent ST4 4TW. Authorised and regulated by the Financial Conduct Authority (financial services register 307223).