Debenhams car insurance review

Find out what's included in car insurance policies from Debenhams, what's an optional extra and what customers think of the department store as an insurer.

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Debenhams car insurance

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.

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Who is Debenhams?

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.

Who underwrites Debenhams?

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.

Compare Debenhams policies

Data indicated here is updated regularly
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options Link
Debenhams’ Third Party
Debenhams’ Third Party
up to 90 days
Young driver car insurance, Over 50s car insurance, Black box car insurance
Get a quote
Debenhams Third party, fire and theft
Debenhams Third party, fire and theft
up to 90 days
Young driver car insurance, Over 50s car insurance, Black box car insurance
Get a quote
Debenhams Comprehensive
Debenhams Comprehensive
Up to 90 days
Young driver car insurance, Over 50s car insurance, Black box car insurance
Get a quote

Compare up to 4 providers

What is covered under my policy?

Product NameDebenhams Third party, fire and theftDebenhams Comprehensive
Damage to your car
Fire and theft
Liabilities to third parties
Using the car abroad
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Debenhams.

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

In addition to the standard two levels of cover, Debenhams can also provide a range of additional protection to add to your policy, including:

  • Legal expenses
  • Key care
  • Mis-fuel cover
  • RAC Roadside & Recovery
  • RAC full UK breakdown cover
  • RAC full UK & EU breakdown cover
  • Replacement vehicle hire
  • No-claims discount protection

What is my excess?

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.

What is the claims process for Debenhams?

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.

Debenhams car insurance customer reviews

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, 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).

Pros and cons of Debenhams car insurance


  • A range of policies and optional extras to suit your needs.
  • Generally positive customer feedback.
  • Courtesy car and 90 days of foreign travel as standard.


  • The wide range of underwriters can be confusing.
  • Customers report unexpected charges and penalties.


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.

Frequently asked questions

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*51% of consumers could save £283.97 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2020 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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