Debenhams Car Insurance Review
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 rating||Our opinion|
|Customer service & satisfaction|
Average customer satisfaction rate
Debenhams works with Somerset Bridge Insurance Services Limited which is underwritten by a panel of leading UK insurance companies
|Value for money|
Availability of No Claims Discount
|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
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 organisation||Consumer satisfaction rates for Debenhams|
|Defaqto expert rating for Debenhams|
|TrustPilot||3,6/5 based on more than 720 opinions|
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.
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 policy||Available at Debenhams||Coverage in a nutshell|
|Third-Party Fire and Theft|
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:
|18 years old||£105,03|
|40 years old||£43,31|
|60 years old||£31,94|
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
|Uninsured driver NCB benefit||Not Stated|
|Loss or theft of keys||Excess- £75 - £100|
Limit- £100 - £1000
|Personal belongings||£100 - £300|
Limit- Unlimited or £300 - £1000
£100 - £200
|Liability limit for property damage||£20,000,000 - £25,000,001|
|Legal expense||Not Stated|
|Courtesy car benefit|
|Courtesy car cover|
Duration of repair of your car.
|Fire excess||Excess-Not stated|
Limit- £100 - £300 for personal belongings
|Theft excess||Excess- Not stated|
Limit- £100 - £300 for personal belongings
£100 - £250 for child car seat.
|Accidental damage excess||Not stated|
|Windscreen replacement excess||Excess - £20 - £100|
Limit - Unlimited or £100 - £150 if you get your windscreen fixed at an unapproved repairer.
|Young driver excess|
£300 - £350
|Interest charged by payment installments|
Cancellation fees during cooling off period: £35
Mid-Term Adjustment: £25 to £50
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 number||Opening hours|
0344 840 6305
Monday to Thursday: 9am to 8pm
0344 840 9506
0330 159 0453
Debenhams Motor Breakdown
0190 42 34 874
0190 423 4893
Debenhams other contact details
You'll find below Debenhams main contact details:
|Contact details of Debenhams|
|Customer account with Debenhams login|
Debenhams My account
|Social media||Facebook, Twitter, Instagram|
You can also contact them by mail by writing to Debenhams car insurance:
334-348 Oxford Street,
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’.