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You’ll probably know Debenhams as a department store, but it can also insure your car. Customers get a courtesy car included as standard in every policy – but what’s the cover like? Here’s what you need to know.
Debenhams can trace its company roots back to 1778 London, when a drapers store was set up selling expensive fabrics and accessories. Since then, it’s branched out to offer personal finance services. And as a broker, Debenhams provides life, home, travel, wedding, gadget, pet and car insurance.
Debenhams Retail Plc represents Eldon Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority.
Debenhams works by searching car insurance policies from its panel of insurance companies including ABC, Ageas, Aviva, AXA, Covea, Highway, Southern Rock, Watford and XS Direct.
Product Name | Debenhams Third party, fire and theft | Debenhams Comprehensive |
---|---|---|
Damage to your car | ✓ | |
Fire and theft | ✓ | ✓ |
Liabilities to third parties | ✓ | ✓ |
Using the car abroad | ✓ |
Check your policy details carefully to ensure you have the right cover for your needs.
In addition to the standard two levels of cover, Debenhams can also provide a range of additional protection to add to your policy, including:
Your insurance excess is the amount of money you have agreed to pay towards a claim.
Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
You’ll be able to find details about any applied excess in your policy document.
Call the Debenhams 24-hour claims line on 0344 840 9506 to make a claim.
You’ll need to provide your policy details and information about the incident.
It’s vital that you let your insurer know about an incident within 48 hours, even if it’s not your fault. Failure to do this could result in a rejected claim.
Customer reviews for Debenhams car insurance are largely positive across the board.
On customer review platform Trustpilot, Debenhams car insurance has 3.6 out of 5 stars and a rating of “Average”, based on more than 1,100 reviews.
On Feefo, the service has 3.2 out of 5 stars, based on more than 200 reviews.
Lastly, on Reviews.io, Direct Line car insurance has 4 our of 5 stars, based on more than 1,600 reviews. 77% of reviewers recommend the service.
Customers praised the helpful service and easy application process, but many complained about unexpected administration fees and penalties (updated October 2020).
Debenhams is a well known and well trusted brand with many branches on the high street. This makes it a reliable and convenient insurance provider.
However, Debenhams does not provide the cover itself – it sources it from its panel partners (such as Ageas and Axa), which can cause confusion.
While policies are largely reasonably priced, according to customers, there can be hidden fees and penalties for making changes to your details or the policy specification.
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