Policy wording - explaining exactly what's covered
Policy wording - explaining exactly what's covered
What are the benefits of our Car Insurance?
If you have years of safe driving experience behind you, this could be taken into consideration by your car insurer.
At John Lewis our comprehensive car insurance can provide cover if you are over 50, and a history of safe driving could be reflected in the price of your premium.
What’s covered with our car insurance?
Comprehensive cover
Your safe driving is rewarded with a No Claims Bonus up to 9 years
The power to choose your own voluntary excess
Emergency driver cover - in a medical emergency another driver can drive your vehicle
180 Days driving cover in the EU every year
Uninsured driver protection that won’t affect your no claims bonus or require you to pay your excess
Child car seat replacement if one belonging to a policyholder is damaged in an accident
Electric Vehicle Cover that includes damage to your car, charging cables and port
Find out more about our comprehensive car insurance policies.
Is car insurance cheaper for over 50s?
It’s possible that car insurance could be cheaper once you pass the age of fifty. Many factors are considered when insurers calculate premiums - and this does include age. If you have been driving for numerous years without making a claim, the cost of your policy could be reduced.
However, it’s important to be aware that other factors like high mileage or car modifications can still increase your premiums, regardless of experience or no claims.
Optional add-ons
We offer different add-ons to help you customise your insurance to better meet your needs.
Policy Documents
Breakdown Cover
- Breakdown Cover policy (PDF)
- Roadside Breakdown - insurance product information document (PDF)
- Roadside Breakdown and Recovery - insurance product information document (PDF)
- Roadside Breakdown, Recovery and Home Repair - insurance product information document (PDF)
- Roadside Breakdown, Recovery, Home Repair and European Rescue - insurance product information document (PDF)
Breakdown Cover
- Breakdown Cover policy (PDF)
- Roadside Breakdown - insurance product information document (PDF)
- Roadside Breakdown and Recovery - insurance product information document (PDF)
- Roadside Breakdown, Recovery and Home Repair - insurance product information document (PDF)
- Roadside Breakdown, Recovery, Home Repair and European Rescue - insurance product information document (PDF)
Expert Quote
Comprehensive cover is the highest level for car insurance. That's why at John Lewis, this is all we offer - to ensure you, your vehicle, and other road users are financially protected. Our friendly UK based claims team are available to you 24 hours a day, so we can be there for you when you need us most.
Frequently asked questions
Yes, John Lewis Comprehensive Car Insurance covers any damage to your car windscreen, windows, and sunroof, including full windscreen replacement. We’ll even cover the cost of repairing scratches to the bodywork caused by the windscreen. Details of the applicable excesses can be found in your policy schedule.
Making a windscreen claim will not affect your no claims discount.
There's no maximum age with John Lewis Car Insurance if you're an existing customer. We insure new customers between the ages of 17 and 85 as long as they meet our criteria.
You don’t need to have a health check to take out John Lewis Car Insurance. If you already have or have recently developed a health condition that would affect your ability to drive, you must inform your insurer and the DVLA. Regardless of age, all drivers have a responsibility to ensure they’re safe to be behind the wheel. This protects drivers, passengers and anyone else on the road. For more information check the UK government website.
It is usually no more difficult to buy car insurance for over 50’s than it is to get insurance if you are under the age of 50 but some insurers do have upper age limits.
There's no maximum age with John Lewis Car Insurance if you're an existing customer. We insure new customers between the ages of 17 and 85 as long as they meet our criteria.
Exploring foreign countries by car? It’s essential you check the regulations before you go, including those that may have changed after Brexit.
When calculating premiums, car insurance providers consider ‘risk factors’. This includes your age, postcode and driving history.
John Lewis Finance, John Lewis Insurance and John Lewis & Partners are trading names of John Lewis plc. John Lewis plc is an appointed representative (registration no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Car Insurance is underwritten by Covea Insurance plc.
Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (registration no. 613259).
Copyright © John Lewis Partnership
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