John Lewis Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

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

You might already know that John Lewis 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 John Lewis 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 John Lewis car policy terms and conditions and given our own ratings based on different criteria.

3,7 Safe overall rating for John Lewis

Our ratingOur opinion
Customer service & satisfaction

3.4/5 based on 808 opinions on TrustPilot
Easy access to policy document on the website
Customer care availability via phone call
24-hour emergency helpline as standard

Cover provided

30 days total loss courtesy car for the comprehensive policy
Misfuelling cover is provided for the comprehensive policy
£10K personal accident as standard
Sunroof not covered in glass damage

Value for money

75% discount is given for having 9 years claim-free
15% discount is provided for to new online customers
APR charges of 23.50% on monthly payment

Financial strength for pay out

Strong financial capability


User experience on the website well thought as the website can be easily navigated
All the information can be found on the home page
Claims cannot be taken out, adjusted and monitored online as the online option is not functional

Safe rating for John Lewis

Expert and customer reviews on John Lewis

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

Review organisationConsumer satisfaction rates for John Lewis
Defaqto expert rating for John Lewis defaqto 5 stars
TrustPilot3,4/5 based on 808 opinions
Consumer satisfaction rates on reviews for John Lewis

To check if John Lewis 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 John Lewis car insurance policy

John Lewis is one of the high street finance name in the UK. The company also provides many different insurance plans such as car home, wedding, pet and much more. The comprehensive cover at John Lewis is rated 5 stars by Defaqto and underwritten by Covea Insurance PLC. It was named by Which? as a recommended provider of car insurance. The company offers one of the most important insurance. However, the downside of John Lewis car insurance is that there is no 24/7 emergency helpline.

John Lewis new policies are all comprehensive.

You can get up to 75% NCB and policies purchased online can receive up to a 15% discount.

What does John Lewis car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at John Lewis?

Car insurance policyAvailable at John LewisCoverage 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 John Lewis

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

Main guarantees at John Lewis explained in details

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

Breakdown cover at John Lewis

John Lewis offers major levels of breakdown cover and they are:

  • roadside assistance: 24/7 roadside assistance is provided as long as the driver is at least a quarter mile away from home
  • at home: this cover is useful in the case that your vehicle doesn’t start and it is close in distance to your home address
  • european recovery: this level of cover provides breakdown cover for european countries.

There is a roadside and recovery option that is only available to new customers. It provides roadside assistance and an alternative means of transportation for the driver and up to seven other passengers to any destination of their choice as far as it is within 10 miles.

Keycare cover at John Lewis

John Lewis insurance provides a £1000 keycare cover limit which includes:

  • locksmith charges if and when needed
  • door and boot lock replacement is also covered.

Windscreen cover at John Lewis

John Lewis, in the case that there is a broken glass will pay the cost of:

  • repairing or replacing the damaged windscreen or windows
  • repair for scratches to the bodywork caused by the broken glass.
    If an un-approved repairer is used, the amount paid after removing the excess would be £150.

Motor legal protection at John Lewis

  • For £14,99 John Lewis’s Motor Legal Protection policy provided that the accident was not your fault
  • £100,000 of cover for legal costs if there is a 50% chance that the claim would be successful
  • 24/7 Legal Helpline
  • Compensation for financial costs incurred as a result of the accident.

Personal policy injury available at John Lewis

John Lewis pays £10,000 if the driver or his/her partner is accidentally killed or suffers any of the injuries stated below while travelling in either the insured vehicle or any other privately owned vehicle:

  • permanent loss of sight in one or both eyes
  • permanent loss of use of limbs.

Coverage abroad at John Lewis

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at John Lewis

A small manual car is provided while your car is being repaired by one of John Lewis’s approved repairers for 30 days

No-Claim Bonus (NCB) at John Lewis

The longer you go without making a claim, the larger the discount accrued. Every type of insurance policy (third party only, third party fire and theft, and fully comprehensive) can accumulate a no claims bonus.

A claim would affect your No Claim Discount when more than one claim is made during the current period and also when more than two claims are presented within the span of three years.

At John Lewis, 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.

NCB protection claims (number per year): 2 claim in 3 years.

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. 

John Lewis car insurance terms and conditions

How much does John Lewis car insurance cost?

You'll find below indicative car insurance quotes at John Lewis:

Drivers'ageMonthly premium
18 years old£104,93
40 years old £43,27
60 years old£31,91
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of John Lewis 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 John Lewis?

Discounts and cashback vouchers are available at John Lewis such as 15% discount to new customers who purchase a car insurance policy online.

Discount typesComment
Discounts15% discount is given to new customers who purchase a car insurance policy online
Discounts and cashbacks available at John Lewis

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!

John Lewis car insurance policy summarized


At John Lewis
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysCost of replacement
Personal belongings£300
Audio equipment


Medical expenses


Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit


Courtesy car cover

30 days

Coverage abroad

90 days

Guarantees at John Lewis


At John Lewis
Fire excesscost of damage is covered
Theft excesscost of damage is covered
Accidental damage excesscost of damage is covered
Windscreen replacement excess£100
Young driver excess


Excess at John Lewis

Admin fees

At John Lewis
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £0
Cancellation fees outside cooling off period: £40

Modification fees

Adjustment fee:£15

Admin fees at John Lewis

Other car insurance policies available at John Lewis

How to contact John Lewis auto insurance?

John Lewis phone numbers 

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

Contact numberOpening hours

Customer Service

0345 610 0355

Monday to Friday 8.30am -​ 8pm
Saturday 9am – 5pm
Sunday 10am – 4pm


0345 610 0360

Lines open 24/7


0330 024 0614

Monday to Friday 8.30am -​ 8pm
Saturday 9am – 5pm
Sunday 10am – 4pm

Windscreen claim

0345 610 0361

24 hours a day

Breakdown cover

0345 165 0580

24 hours a day


0330 024 0617

Monday to Friday 8.30am -​ 8pm
Saturday 9am – 5pm
Sunday 10am – 4pm

Contact numbers at John Lewis

John Lewis other contact details

You'll find below John Lewis main contact details:

Contact details of John Lewis
Email address

[email protected]

Customer account with John Lewis login

My Account

Social mediaFacebook, Twitter, YouTube
Contact details at John Lewis

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

John Lewis Car Insurance
Norman Place,
RG1 8DA.

How to claim at John Lewis?

You can make a claim by calling the claims department at John Lewis: 0330 024 0613.

ServiceCar claim
Claim by phone

0330 024 0613

Claim process at John Lewis

How to cancel your car insurance at John Lewis?

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, John Lewis as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, John Lewis 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:

John Lewis 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’.