John Lewis Finance car insurance review

You'll probably know John Lewis as a department store but did you know it can also insure your car? We've got the lowdown on this insurance provider and a breakdown of its policies.

3.6 ★★★★★ (80 reviews) Write a review
John Lewis Finance car insurance

Our verdict

John Lewis Finance only offers comprehensive car insurance to new customers. It has good customer reviews and a 5-star Defaqto rating.

It might suit you if you like to travel, with up to 180 days of European cover each year, which is higher than most other insurers. It also comes with a courtesy car as standard, uninsured driver promise and new car replacement if yours is less than 12 months old and written off or stolen.

If you’ve decided that John Lewis Finance car insurance isn’t for you, compare other car insurance policies to find what you're looking for.
Pros
  • Misfuelling cover and uninsured driver protection
  • Courtesy car and onward travel up to £500
  • 5-star Defaqto rated
Cons
  • Can be slow at handing claims, according to customers
  • Doesn't offer third party or third party, fire and theft to new customers
John Lewis Finance Comprehensive
★★★★★
Finder score

Who is John Lewis Finance?

John Lewis has been selling products on the high street for more than 150 years. It has since branched out to create John Lewis Finance, which offers a range of financial products to customers such as credit cards, loans, foreign currency, money transfers and insurance.

It has been named by Which? as a recommended provider of car insurance but it also offers home, travel, pet, wedding, event and life insurance.

John Lewis Financial Services Ltd is a trading name of John Lewis plc, which is authorised and regulated by the Financial Conduct Authority (FCA).

Who underwrites John Lewis Finance?

All of John Lewis Finance’s new car insurance policies are underwritten by Covéa.

What’s covered under my policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people
Fire and theft
Accidental damage
EU travel up to 180 days
Courtesy car up to 30 days
Windscreen cover
Unlimited audio or sat nav equipment (if fitted by the manufacturer)
Replacement locks
Personal accident
Medical expenses
Misfuelling cover
Vehicle ID theft cover
Emergency journey cover up to £100 in taxi or train fares

Optional extras

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

  • Legal protection up to £100,000
  • UK breakdown cover (4 levels of cover)

What are John Lewis Finance’s different policies?

John Lewis Finance only offers comprehensive insurance for new customers, but we’ve included its third party and third party, fire and theft here as existing customers can still have those policies.

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

How do I make a claim?

You can call the John Lewis Finance 24-hour claims line on 0330 024 0613 to make a claim. If it’s a windscreen claim then you need to call 0330 024 0615.

You’ll need to provide your own policy details and have the following information to hand before making a claim:

  • Names and contact details of other drivers
  • Details of all vehicles involved such as registration numbers, make and model
  • Details about when, where and how the accident occurred
  • Details about any damage or injuries
  • Names and contact details of witnesses, if available
  • Photographs of the scene of the accident and/or any damage to vehicles or property
  • Crime reference number, if available
  • CCTV or dashcam footage, if available

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.

What is my excess?

Your car 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.

John Lewis Finance car insurance customer reviews

On Trustpilot, John Lewis Finance (the whole company, not just insurance) has a rating of 4.2 out of 5 from almost 12,000 reviews. That gives it a “Great” rating.

How to cancel John Lewis Finance car insurance

You can cancel by calling 03300 240 612 (Monday to Friday 8:30am–6pm, Saturday 9am–1pm), emailing customerservice@car.johnlewisfinance.com or writing to John Lewis Finance, PO Box 887, Halifax, HX1 9UE.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

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