Debenhams Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Debenhams car insurance.

You might already know that Debenhams offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Debenhams the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Debenhams car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Debenhams

Our ratingOur opinion
Customer service & satisfaction

Average customer satisfaction rate
Online quote generation and application "Debenhams Card app"
No live chat feature

Cover provided

Debenhams works with Somerset Bridge Insurance Services Limited which is underwritten by a panel of leading UK insurance companies
Offers standard car insurance across Comprehensive level and FT&TP level
Up to 90 days abroad coverage available as standard
Courtesy car available as standard
Lack of wide range of options

Value for money

Availability of No Claims Discount
High cancellation fee of £35 to £75
Renewal annual administration fee of £20

Financial strength for pay out

Debenhams works with Somerset Bridge Insurance Services Limited which is underwritten by a panel of leading UK insurance companies such as Ageas, Aviva, Covea, etc which gives the company a high ability to pay out claims.


User friendly website
Online application process
Availabilty of customer portal
No live chat feature
No telematics insurance

Safe rating for Debenhams

Expert and customer reviews on Debenhams

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Debenhams's reputation.

Review organisationConsumer satisfaction rates for Debenhams
Defaqto expert rating for Debenhams defaqto 5 stars
TrustPilot3,6/5 based on more than 720 opinions
Consumer satisfaction rates on reviews for Debenhams

To check if Debenhams is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Debenhams car insurance policy

Debenhams works with Somerset Bridge Insurance Services Limited which is underwritten by a panel of leading UK insurance companies such as Ageas, Aviva, Covea, etc to offer standard car insurance to their customers.

The levels of cover available are Comprehensive and Fire, Theft and Third Party. In addition to the basic levels of cover, there are optional extra covers to choose from such as Breakdown Cover, Keycare Cover, Windscreen Cover, Motor Legal Cover, Replacement Vehicle Cover and Misfuelling Cover.

We would recommend this insurance company to anyone looking for standard car insurance for their vehicle.

What does Debenhams car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Debenhams?

Car insurance policyAvailable at DebenhamsCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Debenhams

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Debenhams explained in details

Let's find out what does Debenhams covers in its car insurance policy.

Breakdown cover at Debenhams

Debenhams offers 4 levels of Breakdown Cover that is provided by RAC (An automative repair service that they’ve partnered with to carry out their Breakdown Services to clients):

  • Roadside Cover: this covers breakdown services within the UK more than 1/4 mile from your home address. It includes repair at the roadside or in the event your vehicle is misfueled.
  • Roadside and Recovery Cover: this inlcudes roadside breakdown services within the UK 1/4 mile from your home address, misfuel issues, and local recovery of the vehicle and passengers to a single destination that is not more than 15 miles from the breakdown site. In the case of long distance travel, they can offer you a 24 hour car hire or overnight accomodation.
  • Roadside, Recovery and At Home Cover: this covers the benefits you get with Roadside and Recover Cover along with Breakdown assistance if your car breaks down at your home address.
  • Roadside, Recovery, At Home and European Motoring Assistance Cover: this includes all the benefits you get with Roadside, Recovery and At Home Covers along as well as 90 days European Breakdown Cover and returning your vehicle back to the UK).

Keycare cover at Debenhams

Up to £1500 for repair or replacements of locks, keys, and locksmiths, as well as onward transport costs.

Windscreen cover at Debenhams

  • Up to £500 Windscreen Cover is available subject to excess of £100 if you use Debenhams’ recommended repairer or an excess of £150 if you use an unapproved repairer.
  • It covers repair and replacement of windscreen and windows provided they are made of glass.

Motor legal protection at Debenhams

Up to £100,000 of legal costs in case you are involved in an accident that is not your fault.

Personal policy injury available at Debenhams

Up to £30,000 in case of permanent loss of limbs or loss of hearing in both ears, or death in the event of an accident.

Coverage abroad at Debenhams

  • Up to 90 days coverage when travelling abroad is included as standard when you take out a car insurance policy with Debenhams.
  • The territorial limits will be disclosed in your Policy Schedule.

Courtesy car at Debenhams

Debenhams offers a Replacment Vehicle for 14 days if your car or van is stolen, damaged by attempted theft, arson or an accident with another vehicle or if it is deemed a total loss or until your vehicle is recovered in case of theft.

No-Claim Bonus (NCB) at Debenhams

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. NCD protection is available at an extra fee.

If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that Debenhams is able to recover all costs from the responsible party.

At Debenhams, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

Details not stated.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Debenhams car insurance terms and conditions

How much does Debenhams car insurance cost?

You'll find below indicative car insurance quotes at Debenhams:

Drivers'ageMonthly premium
18 years old£105,03
40 years old £43,31
60 years old£31,94
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Debenhams insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Debenhams?

Apart from the No Claims Discount, no other type of discount is offered.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Debenhams car insurance policy summarized


At Debenhams
NCB benefitYes
Uninsured driver NCB benefitNot Stated
Loss or theft of keysExcess- £75 - £100
Limit- £100 - £1000
Personal belongings£100 - £300
Audio equipment

Limit- Unlimited or £300 - £1000

Medical expenses

£100 - £200

Liability limit for property damage£20,000,000 - £25,000,001
Legal expenseNot Stated
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at Debenhams


At Debenhams
Fire excessExcess-Not stated
Limit- £100 - £300 for personal belongings
Theft excessExcess- Not stated
Limit- £100 - £300 for personal belongings
£100 - £250 for child car seat.
Accidental damage excessNot stated
Windscreen replacement excessExcess - £20 - £100
Limit - Unlimited or £100 - £150 if you get your windscreen fixed at an unapproved repairer.
Young driver excess

£300 - £350

Excess at Debenhams

Admin fees

At Debenhams
Interest charged by payment installments

Not Stated

Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £35
Cancellation fees outside cooling off period : £75

Modification fees

Mid-Term Adjustment: £25 to £50

Admin fees at Debenhams

Other car insurance policies available at Debenhams

Debenhams business car insurance

Information about Business Use has not been stated anywhere in the website. We would advise you to contact Debenhams directly to enquire about this if you’re planning to use your car for commuting to and from work or business premises.

How to contact Debenhams auto insurance?

Debenhams phone numbers 

You will find all important phone numbers to contact Debenhams car insurance:

Contact numberOpening hours

Customer Service

0344 840 6305

Monday to Thursday: 9am to 8pm
Friday: 9am to 7pm
Saturday: 9am to 6pm
Sunday: 9am to 5pm


0344 840 9506

Available 24/7

RAC Breakdown

0330 159 0453

Not Stated

Debenhams Motor Breakdown

0190 42 34 874

Not Stated

Windscreen Claims

0190 423 4893

Not Stated

Contact numbers at Debenhams

Debenhams other contact details

You'll find below Debenhams main contact details:

Contact details of Debenhams
Email address

[email protected]

Customer account with Debenhams login

Debenhams My account

Social mediaFacebook, Twitter, Instagram
Contact details at Debenhams

You can also contact them by mail by writing to Debenhams car insurance:

Debenhams Retail
334-348 Oxford Street,
London, England,

How to cancel your car insurance at Debenhams?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Debenhams as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Debenhams has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Debenhams could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.