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Terms and conditions

The use of this website is subject to the following terms and conditions which you should read carefully.

Welcome to the johnlewis-insurance.com website terms and conditions for use. John Lewis Insurance is a trading name of John Lewis plc, which is part of the John Lewis Partnership group.

John Lewis Insurance works with a number of reputable third parties to offer you the products and services on this site. The use of this website is subject to the following terms and conditions which you should read carefully.

By using this website you agree to be legally bound by these terms and conditions. If you don’t agree to be bound by these terms and conditions you may not use or access this website. Different terms and conditions will apply to the purchase of the various products and services and these can be found on the relevant providers' websites.

The information, services and products on this website are intended for use by residents of the UK only and are not aimed at or intended for use by residents of any other jurisdiction.

This website is designed to be accessed through its main product home pages and other pages as we decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of the products and services being offered.

Before purchasing any of the products and services, you’ll be referred to certain site pages containing details of the relevant product or service together with important legal or regulatory information, such as the terms and conditions of purchase. These should be read together with the site pages.

We reserve the right to:

  • Modify or withdraw, temporarily or permanently, this website (or any part thereof) with or without notice to you and you confirm that we shall not be liable to you or any third party for any modification or withdrawal of the website; and/or
  • Change the terms and conditions from time to time and your continued use of the website (or any part thereof) following such change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether the terms and conditions of use of this website (and the websites of the third party service providers referred to above) have been changed. If you do not agree to any change to the terms and conditions then you must immediately stop using the website.

While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury, or for fraudulent misrepresentation.

This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk and we make no representations regarding the content of any such website. We cannot be liable for any loss or damage which may arise from the use of such third party websites.

You agree fully to indemnify, defend and hold us, and our officers, directors, employees, agents and suppliers, harmless immediately on demand, from and against all claims, liability, damages, losses, costs and expenses, including reasonable legal fees, arising out of any breach of the terms and conditions by you or any other liabilities arising out of your use of this website, or the use by any other person accessing the website using your registration details and/or your Personal Information.

By registering your details or purchasing a product or service from us or any of the third party providers, you are agreeing to be bound by these terms and conditions and you are consenting to us collecting and storing certain personal data about you.

This data will not be used other than in the normal course of our business. The data may be used to provide the service applied for and will be used by John Lewis Insurance to keep you informed of products and services which may be of interest to you unless you have previously chosen not to receive such information. For example as part of our continual effort to improve service, one of our customer service team may contact you by telephone to discuss your quote and whether there is anything we can help you with.

 If you subsequently decide that you do not wish to receive such information, all you need to do is write to let us know at John Lewis Insurance Customer Services, Partnership House, Carlisle Place, London SW1P 1BX.

If you wish to receive details of personal data held about you by us, you may write to request this from the Company Secretary, John Lewis Partnership, Partnership House, Carlisle Place, London SW1P 1BX - there is a fee for this service.

We will treat all your Personal Information as confidential. We will keep it on secure servers and we will comply fully with all applicable UK Data Protection and consumer legislation from time to time in place. Further information relating to our use of your personal data appears in our Privacy Policy which can be found on this website.

You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all material or content supplied as part of the website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors.

You acknowledge and agree that the material and content contained within the website is made available for your personal non-commercial use only and that you may download such material and content onto only one computer hard drive for such purpose. Any other use of the material and content of the website is strictly prohibited. You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.

This website contains trademarks belonging to John Lewis Insurance and other companies within the John Lewis Partnership group. No rights are granted in respect of any of the trademarks. If you’re in doubt as to whether an item is a trademark of John Lewis Insurance or a member of the John Lewis Partnership group, please contact the Company Secretary at the address shown above for clarification.

The website may be used only for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the website and any transactions conducted on or through the website.

No waiver by us shall be construed as a waiver of any proceeding or succeeding breach of any provision.

The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

The terms and conditions of use of this website shall be governed by and construed in accordance with the laws of England and any dispute regarding this website shall be subject to the exclusive jurisdiction of the English courts.

Telephone calls may be monitored or recorded with the aim of improving our service to you.

The registered company address of John Lewis plc is 171 Victoria Street, London SW1E 5NN. Company registration number: 233462

Terms and conditions

  1. Promotion open to residents of Great Britain excluding residents of Northern Ireland, aged 18 or over, excluding employees of the Promoter or anyone else professionally connected with this promotion.
  2. The Promoter is running a monthly prize draw with one winner per month from combined postal and online entries (as described below) (the “Monthly Draw”).
  3. Postal entries, for entrants who have received, and are entering by completing, a postal slip (“Postal Entries”): simply complete the postal slip and post it to the freepost address printed on the slip.
  4. Online entries, for entrants who are entering online (“Online Entries”): simply complete the online form at http://www.johnlewis.com/insurance/comp and click enter.
  5. Closing Date: Postal Entries and Online Entries must be received in the manner set out above by the Promoter by 23:59 on the 14th day of any month, to be entered into the Monthly Draw for that month, which will take place on the 15th day of the month.
  6. All valid Postal Entries and Online Entries will be entered into the same Monthly Draw.
  7. Only one entry per household. Entrants are not permitted to submit both a Postal Entry and an Online Entry. Entrants must not enter more than one Monthly Draw. There is one prize for each Monthly Draw, each prize being £500 of John Lewis gift vouchers.
  8. The winner of each Monthly Draw will be the entrant drawn at random from all validly submitted Postal Entries and Online Entries. Each Monthly Draw will take place within 7 days of the relevant closing date and the winner will be notified by post within a further 7 days. The prize will be sent by recorded delivery to the winner following such notification.
  9. In the event that any winner refuses acceptance of the prize or, for whatever reason, cannot accept the prize, or if the Promoter is unable to make contact with any winner within 7 days of the applicable draw date, the Promoter reserves the right to re-draw the prize and award it to an alternative winner.
  10. The selection of the winning entries will be supervised by an independent person. The winner’s details (name and county) will be available for six weeks from the draw date by sending a SAE to John Lewis Insurance Prize Draw Winners, 10th Floor, 171 Victoria Street, London SW1E 5NN to be received on or after the draw date.
  11. Proof of submitting your entry is not proof of receipt of an entry by the Promoter. The Promoter is not responsible for any entries that fail to be submitted for any technical reason whatsoever. Entries submitted by any means other than as Postal Entries or Online Entries in the manner described above will be rejected.
  12. The Promoter reserves the right to award an alternative prize of equal or greater value, should the advertised prize or any part of it become unavailable for any reason.
  13. John Lewis gift vouchers can be exchanged for goods in all John Lewis stores or at John Lewis Direct, including johnlewis.com and John Lewis Direct mail order services only. For full terms and conditions see www.johnlewis.com/insurance/terms.
  14. The Promoter reserves the right to cancel, amend, terminate or temporarily suspend this promotion in the event of any unforeseen circumstances or technical reason outside its reasonable control, with no liability to any entrants or third parties.
  15. By taking part in the promotion, entrants agree to be bound by these terms and conditions.  Any breach of these terms and conditions by the winner may result in forfeiture of their prize.
  16. This promotion and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts.

Promoter: John Lewis Financial Services Limited, 171 Victoria Street, London SW1E 5NN

Terms and conditions

  1. Customers purchasing a John Lewis Wedding Insurance policy will get a 10% discount off any level of cover.
  2. To qualify for the offer you must purchase a new Wedding Insurance policy and quote the promotional code 'WED2'.
  3. Offer cannot be exchanged for cash or used in conjunction with any other offer, promotion or coupon.
  4. John Lewis Insurance reserves the right to withdraw or amend the offer at any time.
  5. The offer is not available to employees or retirees of the John Lewis Partnership, their dependants or their agents or anyone else connected with the promotion.
  6. By entering the offer, entrants will be deemed to have accepted and agreed to be bound by these terms and conditions.
  7. The Promoter is John Lewis Insurance, 171 Victoria Street, London, SW1E 5NN.
  1. myWaitrose customers purchasing the John Lewis Premier Pet Insurance policy in accordance with these terms and conditions will receive £40 of John Lewis vouchers.
  2. myWaitrose customers purchasing the John Lewis Plus Pet Insurance policy in accordance with these terms and conditions will receive £20 of John Lewis vouchers.
  3. To qualify for this offer you must be a registered myWaitrose account holder and purchase a John Lewis Pet Insurance policy quoting the promotional code PET16.
  4. This offer does not apply to policies cancelled within 14 days of receipt of policy documents.
  5. The £40 or £20 of John Lewis vouchers will be sent to the policyholder within 60 days of the purchase date of the policy, following the 14 day statutory cancellation period, to the address provided.
  6. John Lewis vouchers cannot be exchanged for cash.
  7. This offer is limited to one redemption per household.
  8. Terms and conditions apply to the use of John Lewis vouchers, see www.johnlewis.com.
  9. The Promoter reserves the right to withdraw or amend this offer at any time in its absolute discretion and with no liability to customers.
  10. This offer is not available to employees or retirees of the John Lewis Partnership, their dependants or their agents or anyone else connected with the Promoter.
  11. By entering this offer, entrants will be deemed to have accepted and agreed to be bound by these terms and conditions.
  12. This offer and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts.
  13. The Promoter is John Lewis Financial Services Limited 171 Victoria Street, London, SW1E 5NN.

Free Home Emergency Cover Terms and Conditions

  1. Home Emergency Cover is free for the first year of your policy only.
  2. Offer applies to new customer quotes received between 00.01 Monday 3 November 2014 until 23.59 Tuesday 3 February 2015 only.
  3. Our quotes are valid for 60 days. To ensure Free Home Emergency Cover is included in your policy please use the quote reference number provided during the offer period.
  4. The offer excludes customers in tenanted properties.
  5. Purchase is subject to our normal acceptance criteria. If we are unable to offer you a quote our Home Emergency Cover cannot be provided as a standalone cover option.
  6. Home Emergency Cover has a total limit per claim which varies on the cover level chosen: £500 for Essential, £1000 for Plus and £1500 for Premier and Specialist policies.
  7. Home Emergency Cover uses an authorised repair network and continues for the year.
  8. After the first year of your policy Home Emergency Cover will be included on your policy at renewal. You will have the opportunity to discuss your insurance needs with us at this point, and for Essential & Plus cover you will be able to remove this cover if you wish.
  9. Offer cannot be exchanged for cash or coupon.
  10. John Lewis Insurance reserves the right to withdraw or amend this offer at any time.
  11. The Promoter is John Lewis Financial Services, 171 Victoria Street, London, SW1E 5NN.


Heating Failure excludes:

  1. Normal day-to-day maintenance of the system/facility.
  2. Boilers over 15 years old or beyond economical repair.
  3. Boilers with an output of 60kW or more.
  4. Boilers not serviced according to manufacturers guidelines.


Premier, Plus or Essential Home Insurance

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 Home 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.


Specialist Home Insurance

Minimum Premiums apply. We reserve the right to withdraw this offer at any time.

John Lewis Specialist Home Insurance is a trading name of John Lewis plc. Registered in No. 00233462. Registered office. John Lewis plc is an appointed representative of Sterling Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England No. 0498605.  Registered office: 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX.

Terms and Conditions - £15 John Lewis voucher for Bought By Many customers purchasing John Lewis Pet Insurance

  1. This offer is available to residents of the United Kingdom excluding Northern Ireland, aged 18 or over, excluding current or past employees of the John Lewis Partnership, their dependants or agents, or anyone else professionally connected with this offer.
  2. Pet insurance purchased for the following dog and cat breeds qualify for this offer: all pedigree cat breeds, Yorkshire Terrier, Golden Retriever, Hungarian Vizsla, Cavalier King Charles Spaniel, English Spring Spaniel, Labradoodle, Golden Labrador, Golden Labrador Retriever and Hungarian Wire Haired Vizsla.
  3. If you purchase a John Lewis Insurance policy for one of the breeds listed in clause two (2) between 17 November 2014 and 31 March 2015 (inclusive) (an “Insurance Policy”) you will be entitled to receive a £15 John Lewis voucher (a “Voucher”), subject to these terms and conditions.
  4. To receive your Voucher, you must quote promotion code PET7 at the appropriate stage of the online purchase journey.
  5. This offer is only available for online purchases and does not apply to policies being purchased via telephone or in person.
  6. This offer is limited to new John Lewis Pet Insurance customers only.
  7. The Voucher will be sent by post to the named policyholder at the address given in the Insurance Policy within 90 days of the purchase date of the Insurance Policy.
  8. No Voucher will be sent to any policyholder who cancels the Insurance Policy within 90 days of receipt of the Insurance Policy documents.
  9. Only one Voucher will be sent for each Insurance Policy.
  10. You will not be able to claim for vet fees as a result of an accident in the first 48 hours of cover, or for any changes in your pet's health or behaviour in the first 14 days of cover. Death From Illness Cover is not available for any pet aged 9 years or above.
  11. Further terms and conditions apply to use of the Voucher. These Terms and Conditions can be found at http://www.johnlewis-insurance.com/campaigns/pet-bbm.html.
  12. John Lewis reserves the right to cancel, amend, terminate or temporarily suspend this offer in its sole direction, without notice, or in the event of any unforeseen circumstances or technical reason outside its reasonable control, with no liability to any customers.
  13. By entering into this offer, entrants will be deemed to have accepted and agree to be bound by these terms and conditions.

Promoter: John Lewis Financial Services, 171 Victoria Street, London SW1E 5NN

John Lewis Insurance - £100 John Lewis Gift Card Prize Draw Terms and Conditions

  1. To enter the prize draw, entrants must send back a holiday photo of the most unusual places they have visited or stayed to competitions@johnlewis-insurance.com.
  2. By sending a photo, entrants confirm that:
    • they are the legal and beneficial owner of all intellectual property rights in the Photo which they submit, and their Photo and text does not infringe third party rights or any applicable laws;
    • they have the right to grant the Promoter and others permission to use the Photo in the new John Lewis Insurance Monthly Newsletter;
    • they have waived, and agree not to assert, any moral rights in the Photo;
    • the Photo is suitable to be viewed by individuals of all age groups, and does not include any nudity, violence, weapons or anything which is or may reasonably be considered by the Promoter to be obscene, offensive, defamatory or otherwise objectionable or inconsistent with the brand values of the Promoter;
    • they do not have any right (other than as set out in these terms of use) in or to any intellectual property rights owned by or on behalf of the Promoter and other artwork incorporated in the Photo once they have submitted the photo;
    • if anyone other than the entrant is featured in the Photo, they have obtained all relevant rights and written permissions from such individuals; and
    • the Photo does not feature anyone under the age of 12 unless it is their own child, and they have that child’s consent.
  3. Entries are only valid for customers who have directly received this mailing from johnlewisinsurance@eml.johnlewis-insurance.com
  4. Entrants should send photos to competitions@johnlewis-insurance.com as many times as they wish, but only one entry will be made and there is only one prize.
  5. Start Date: This promotion will begin at 12.00 on 6 February 2015.
  6. Closing Date: Entries must be received by 23:59 on 20 February 2015.
  7. This promotion is open to residents of the United Kingdom (excluding residents of Northern Ireland), aged 18 or over, excluding employees of the Promoter or anyone else professionally connected with this promotion.
  8. The prize is a £100 John Lewis gift card.
  9. The winner will be one entrant selected at random from all validly submitted entries. The winner will be selected within 7 days of the Closing Date and will be notified by email within a further 7 days (the “Notification Email”).
  10. Following the notification email, a confirmation email will be sent to the winner following within 14 days (the “Confirmation Email”). The winner will be asked to confirm their personal contact details. The John Lewis Insurance team will then be in touch with the winner so they can organise delivery of the gift card. The gift card will be sent to the winner using the contact details provided.
  11. In the event that the winner refuses acceptance of the prize or, for whatever reason, cannot accept the prize, or if the Promoter is unable to make contact with the winner within 21 days of the draw or the winner does not confirm their details for receipt of the prize within 14 days of the Confirmation Email, the Promoter reserves the right to re-draw the prize and award it to an alternative winner.
  12. Proof of submitting your entry is not proof of receipt of an entry by the Promoter. The Promoter is not responsible for any entries that fail to be submitted for any technical reason whatsoever.
  13. It is only possible to enter this Prize draw by email.
  14. The Promoter reserves the right to cancel, amend, terminate or temporarily suspend this promotion in the event of any unforeseen circumstances or technical reason outside its reasonable control, with no liability to any entrants or third parties.
  15. Entry to this free prize draw shall constitute acceptance of these terms and conditions and entrants agree to be bound by them. Any breach of these terms and conditions by the winner may result in forfeiture of their prize.
  16. The winners may be required to participate in related publicity.
  17. The winner’s details (name and county) will be available for six weeks from 20 February 2015 by sending a SAE to John Lewis Insurance Marketing, 171 Victoria Street, London, SW1E 5NN to be received on or after 20 February 2015.

The Prize

  1. The prize is as stated, is non-transferable and no cash alternative is available. The Promoter reserves the right to award an alternative prize of equal or greater value, should the advertised prize or any part of it become unavailable for any reason.
  2. The recipient can redeem the John Lewis gift card in John Lewis shops. The recipient can also use it to purchase goods online at johnlewis.com as part or full payment for goods.
  3. Gift cards cannot be used to discharge indebtness in respect of an account card or credit card issued by John Lewis plc, Waitrose Ltd or John Lewis Financial Services Ltd, nor can they be used for the purchase either directly or indirectly of any financial product or service or John Lewis Partnership gift vouchers.
  4. Gift cards are non-transferable and no cash alternative is available. Lost John Lewis gift cards will not be replaced.
  5. For full Terms and Conditions of John Lewis gift card please refer to the following website: http://www.johnlewis.com/gift-card
  6. This promotion and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts.

Promoter: John Lewis Plc, 171 Victoria Street, London SW1E 5NN

Voucher offer terms and conditions

  1. Current John Lewis Home Insurance policyholders purchasing a new John Lewis Premier Pet Insurance policy in accordance with these terms and conditions will receive a £40.00 John Lewis gift voucher.
  2. Current John Lewis Home Insurance policyholders purchasing a new John Lewis Plus Pet Insurance policy in accordance with these terms and conditions will receive a £20.00 John Lewis gift voucher.
  3. Current John Lewis Home Insurance policyholders purchasing the John Lewis Essential Pet Insurance policy will not receive any John Lewis gift vouchers under the terms of this offer.
  4. Start date: This offer will begin at 00.01 (UK time) on 13 March 2015.
  5. Closing date: This offer will end at 23:59 (UK time) on 12 May 2015.
  6. To qualify for this offer, customers must purchase a new John Lewis Plus or Premier Pet Insurance policy online and quote the promotional code PET12 at the time of purchase.
  7. Customers have 14 days from the date they receive the policy documents to cancel their policy. This offer does not apply to policies that are cancelled within those 14 days.
  8. The John Lewis gift vouchers will be sent to the policyholder within 60 days of offer end date, following the 14 day statutory cancellation period.
  9. John Lewis gift vouchers cannot be exchanged for cash. Terms and conditions apply to the use of John Lewis vouchers. For further information please see www.johnlewis.com.
  10. This offer is limited to one per household.
  11. The Promoter reserves the right to withdraw or amend this offer at any time.
  12. This offer cannot be used in conjunction with any other offer.
  13. By entering this offer, entrants will be deemed to have accepted and agreed to be bound by these terms and conditions.
  14. This offer and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts.

The Promoter is John Lewis Financial Services, 171 Victoria Street, London, SW1E 5NN. John Lewis Insurance is a trading name of John Lewis plc.