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Optional extras

Create your ideal Car Insurance package with our additional features:

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 earning
  • 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.

Any questions?
Please call us on
0800 916 6815

Need more help?

Car Breakdown Cover from £40 per year

Our Breakdown Cover is designed to get you back on your way as quickly as possible. 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 cover is European Rescue. This includes cover if you break down at home or on the roadside, plus:

  • 90 days of European Breakdown Cover
  • recovery to any destination in the UK
  • a caravan and trailer service
  • money towards alternative transport or accommodation

Please use the table below to decide on the level of cover that's right for you.

Car Breakdown Cover

Roadside Rescue Home Rescue
European Rescue
Annual premium £40 £60 £70*
Roadside Assistance
When you’re at least 1 mile away from home.
yes yes yes
Recovery to a garage
Transport for you, up to 7 passengers, and your car to the nearest garage if the car can't be fixed at the roadside.
yes yes yes
Message Service
To let friends or family know you've broken down.
yes yes yes
Home Service
If you break down at home or within 1 mile of home.
no yes yes
Recovery - any destination
Transport for you, up to 7 passengers, and your car to any single destination you choose, if the car can't be fixed at the roadside.
no no yes
Alternative Transport or Accommodation
Up to £150 towards a night's hotel accommodation for you and up to 7 passengers or for alternative road, rail or air travel to get you to your destination.
no no yes
Caravan and Trailer Service
Recovery service for your trailer or caravan should your vehicle break down.
no no yes
European Cover
Roadside assistance, recovery, alternative transport or accommodation should you break down in Europe.
no no yes

* The annual premium for European Rescue will be £80 effective from 28 April 2014.

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.

For further information or to add any of these features to your Car Insurance policy, please call us on 0800 916 6815.

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 address: 171 Victoria Street, London, SW1E 5NN. John Lewis plc is an appointed representative of Ageas Insurance Limited who are authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Ageas Insurance Limited. Registered in England and Wales No. 354568. Registered office address: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, SO53 3YA.