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Why choose John Lewis Car Insurance?


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.


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).


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 Discount.
† Terms, conditions, limitations and exclusions apply.
†† Discount is automatically applied when you get a quote.

Upgrading your Breakdown Cover

If you find that you need a different cover, just call us on 0800 916 6871. You'll be able to upgrade to Home Rescue Cover for an extra £20.66 or European Rescue Cover for an extra £41.32

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 - £24.79 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 - £30.99 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.

Rated 5 out of 5 by from John Lewis - great as usual! First class when booking my car insurance with J.L. Clear and precise - no pushy sales. Good value for money.
Date published: 2015-11-19
Rated 4 out of 5 by from Reassuringly easy, and reasonably priced My previous insurers messed up, and I needed a new policy quickly. Setting up my John Lewis insurance was much easier than I expected, and much cheaper as well - bonus!
Date published: 2015-11-18
Rated 4 out of 5 by from Easy to get car insurance Easy to complete questions on line, quote very very competitive, good vover
Date published: 2015-11-13
Rated 5 out of 5 by from good price good value, same cover for less. easy to buy hope I dont need it!
Date published: 2015-11-12
Rated 4 out of 5 by from Covers my needs I almost completed my purchase online, however, I had to phone the helpline for the final process of paying. Don't know why as the man who completed my purchase was very helpful.
Date published: 2015-11-12
Date published: 2015-11-12
Rated 4 out of 5 by from found that they were a very competative price compared to other quotes.
Date published: 2015-11-11
Rated 5 out of 5 by from Decent price and level of cover I've only just taken the policy out. I'm impressed so far with the JL service and hope I never have to find out how good they really are!
Date published: 2015-11-11
  • 2015-11-26T06:41CST
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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.

Compare our Car Insurance policy


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
yes yes yes yes
no no no no
LV= no yes no no
M&S Bank Standard Cover
no no no no
no no no no
Sainsbury's Bank Standard no no no no

Source: John Lewis Insurance Internet Survey 11 March 2015.
*If your car is a total loss or immobilised following an accident which was your fault or stolen and not recovered. Other Terms and Conditions apply.

Get a quote

If your policy started or renewed before 01/01/2015
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).

If your policy started or renewed on or after 01/01/2015
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 Ageas Retail Limited. Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. Ageas Retail Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number: 312468. Ageas Retail Limited is a member of the DMA and a sister company of Ageas Insurance Limited.