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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.

*Maximum 75% is only available with 9 years or more no claims history. Quotes offered from a panel of insurers. Not all panel members offer up to 75%  
**Please note that No Claims Discount protection does not protect the overall price of your insurance policy.  The price of your insurance may increase following an accident even if you were not at fault”. Terms, conditions, limitations and exclusions apply.
† Terms, conditions, limitations and exclusions apply.
†† Discount available to new customers purchasing online only. Includes 5% introductory and 10% online discount. Not available on optional extras. Discount is automatically applied to your 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 - £24.91 per year

If you’re injured in a road traffic accident that's not your fault, you may have the right to pursue compensation. You may also face financial losses that aren't covered by your car insurance. These could include:

Loss of earnings

Cost of alternative travel arrangements

Recovery of your policy excess from a third party

In addition, you may need to defend certain motoring prosecutions against you, or resolve disputes related to buying and selling goods or services for your vehicle - including selling your car.

Motor Legal Protection covers legal costs up to £100,000 per claim, if you need a lawyer to act for you in these circumstances.

For any claim to be accepted, there must be more than a 50% chance of success.

Motor Legal Protection also provides access to a 24/7 Legal Helpline, providing advice for private legal problems and access to online legal documents.

View Legal Protection Policy Wording (PDF)

 

 

Car Breakdown Cover 

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 - £31.13 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 usually means you lose some or all of your No Claims Discount (except for windscreen claims). However there is a way to protect your discount. If you have accumulated four or more years No Claims Discount, you may be able to protect the discount for an additional amount. You can only protect your No Claims Discount before your policy starts. No Claims Discount protection does not protect the overall price of your insurance policy. The price of your insurance may increase following an accident even if you were not at fault.

Protected No Claims Discount allows you to make up to two fault claims in a three year period without losing any of your No Claims Discount. Your protection is lost after the second claim, which means that if you make a third fault claim within three years of insurance, you will lose some of your No Claims Discount.

If you wish to protect less than four years of No Claims Discount we may still be able to help.

Rated 4 out of 5 by from Motor Insurance Motor Insurance came up for renewal so its always good to shop around and I'm glad I did because John Lewis saved me £100 on the quote received from my, then, insurers. Great stuff!!
Date published: 2017-01-15
Rated 4 out of 5 by from Worth getting a quote I was happy with the price for the cover I required but felt that the compulsory excess was high compared to other companies.
Date published: 2017-01-14
Rated 5 out of 5 by from Seems to be great Insurance We tried car Ins with John Lewis as we have our house insurance with thm
Date published: 2017-01-13
Rated 4 out of 5 by from Good customer service and good insurance cover The customer relations guy I spoke to was very clear; listened and didn't rush me. He was happy to chat which felt good. The only reason I haven't given you excellent is that when I filled in the on line quote I didn't realise that in order to get legal cover and one other element that I have now forgotten the premium was only a £1 short of the premium from my existing company. I did find a quote that was significantly lower but I decided that I would come with JL as I know you are an ethical company and would always seek to do the best for me if I needed to make a claim
Date published: 2017-01-13
Rated 5 out of 5 by from Great insurance I reinsured my car couple of weeks ago with John Lewis
Date published: 2017-01-13
Rated 5 out of 5 by from Quick and easy I found the questions and process to be direct and straightforward. No complexity.
Date published: 2017-01-12
Rated 5 out of 5 by from Car insurance? Don't bother looking elsewhere. After another company let me down, I turned to John Lewis to help me and they did just that. Why didn't I go there first? Great service, great price, nothing too much trouble.
Date published: 2017-01-12
Rated 5 out of 5 by from GOOD RESULT EASY TO APPLY FOR AND A COMPETITIVE PRICE AND INCLUSIVE
Date published: 2017-01-12
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  • REVIEWS, PRODUCT

Feedback from our customers helps us offer you the best possible service. The reviews above outline the opinions of our customers, who are asked to consider a range of criteria and to give an overall rating. These views are those of individual customers and are based on their experience of their product, policies and received services.

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?

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

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

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

You can access all your policy documents online.

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.

Product

Replacement Car* provided for up to 30 days as standard
Up to 75% No Claims Discount**
Emergency Journey Cover as standard
Vehicle ID Theft Cover as standard
John Lewis
yes yes yes yes
Aviva
no no no no
M&S Bank Standard Cover
no no no no
SAGA
no no no no
Sainsbury's Bank Standard no no no no

Source: John Lewis Insurance Internet Survey 14th October 2016, based on insurer direct websites, using the standard available product, excludes optional extras
* Cover is provided if your insured car is a total loss (a write off) or has been immobilised due to a fault road traffic accident, theft, fire, vandalism or an act of malicious damage. Comprehensive cover only. Other terms and conditions apply
** Maximum 75% is only available with 9 years or more no claims history. Quotes offered from a panel of insurers. Not all panel members offer up to 75%. Minimum premiums apply

 

Terms, conditions, limitations, exclusions and eligibility criteria apply.
John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). 

Terms, conditions, limitations, exclusions and eligibility criteria apply.
John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc. John Lewis Wedding Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). Calls may be recorded and monitored.
Terms, conditions, limitations, exclusions and eligibility criteria apply.
John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc. John Lewis Wedding Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). Calls may be recorded and monitored.
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