Contact John Lewis Money

We regularly review credit limits to make sure that customers have the limit that is right for them. Any request for an increase will be assessed, using a combination of information from credit reference agencies and how you have managed your account.

You can sign in to your John Lewis Credit Card app or your Online Account Manager to request a credit limit increase or decrease.

Can I have multiple Partnership Credit Cardholders?

Once you've received and activated your card, visit your online account manager or use the John Lewis Credit Card app to manage your account and request an additional cardholder.

What’s the difference between buildings and contents insurance?

Home insurance refers to either contents insurance or buildings insurance or a combination of both.

Buildings insurance includes the main structure of your home, which you own and live in. This includes its fixtures and fittings, detached annexes and outbuildings. It also includes the following if they form or are situated within the boundaries of your property's title deeds:

Permanent structures and fixtures on the land, such as drives, walls, patios, fences and gates
Fixed external systems (like lighting, surveillance, solar, wind, and heat pumps)
Permanently fixed floor coverings (excluding carpeting)
Permanently fixed items in the ground like tanks, pools, fountains, hot tubs, and brick-built barbecues
covers the building, including any outbuildings such as sheds. It generally covers your home against risks including flood, fire and subsidence.

Contents insurance covers household goods and valuables belonging to you or your family, along with specific limits for money, cards, documents, and business equipment. It also typically includes garden contents such as trees, plants, garden equipment (including motorised), furniture, and other removable items like temporary gazebos, statues, pots, and barbecues.

Is my pet eligible for John Lewis Pet Insurance?

If your cat or dog is at least 8 weeks old, they could be eligible for John Lewis Pet Insurance.

Once you've taken out a policy, you’re not able to claim for vet fees as a result of accidents that happen in the first 3 days or illness within the first 14 days. If you switch to John Lewis Pet Insurance and can show your previous policy runs up to the start date, we can waive the initial exclusion periods for you.

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John Lewis Money - regulatory and legal information

Partnership Credit Card

John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (firm reference number: 1018169). Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 15785347). John Lewis Finance Limited is a credit broker, not a lender, introducing the Partnership Credit Card under exclusive arrangements with lender NewDay Ltd.

Credit is provided by NewDay Ltd. Registered in England and Wales (company number: 7297722). Registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number: 690292) and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number: 555318) for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Travel Money

John Lewis Money, John Lewis Finance and John Lewis & Partners Bureau de Change are trading names of John Lewis plc.

John Lewis plc introduces the panel of carefully chosen providers in Bureau de Change products and services, who each hold the appropriate licences with the Financial Conduct Authority and HMRC.

Travel Money online from John Lewis Money, John Lewis Finance, and John Lewis & Partners, is provided by First Rate Exchange Services Limited (company number: 04287490 and Money Service Business licence number: MLR-XLML00000110014). Registered office: Botanica, Ditton Park, Riding Ct Rd, Datchet, Berkshire, SL3 9LL, England.

Home Insurance

Bronze / Silver / Gold insurance cover
John Lewis Home Insurance is a trading name of John Lewis Finance Limited. Registered in England and Wales company number 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).

Pay monthly option for your home insurance is under a contract with Premium Credit Limited (a company registered in England and Wales with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful.

Home Emergency and Home Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number: 103274) (FCA number 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.

John Lewis plc is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking and registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England and Wales company number 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.

Covéa Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).

John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.

Pet Insurance

John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH.

John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.

Car Insurance

John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are trading names of John Lewis plc.

John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).

John Lewis Car Insurance is underwritten by Covéa Insurance plc. Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (company number: 613259).

International Payments

For UK clients: International Payments are provided by HiFX Europe Limited. HiFX is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number: 462444), for the provision of payment services. HiFX is a limited company registered in England and Wales (company number: 3517451). Registered office: 1 Arlington Square, Downshire Way, Bracknell, RG12 1WA, England.

For EEA clients: International Payments are provided by XE Europe B.V.. XE Europe B.V. is authorised by the Dutch Central Bank (De Nederlandsche Bank) under the Payment Services Directive II (licence number R149006) for the provision of payment services. XE Europe B.V. is a limited company registered in The Netherlands (company number: 72587873). Registered office: Rozengracht 12,1, 1016NB Amsterdam, The Netherlands.

Loans

John Lewis Finance Limited introduces personal loans provided by Zopa Bank.

John Lewis Finance Limited is a credit broker (firm reference number: 1018169). Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 15785347). John Lewis Finance Limited is a credit broker, not a lender.

Credit is provided by Zopa Bank. Registered office: Level 12, 20 Water Street, Canary Wharf, E14 5GX. Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 800542).

Payment Plans

John Lewis plc (firm reference number: 416011) is an appointed representative of John Lewis Finance Limited (firm reference number: 1018169) who are authorised and regulated by the Financial Conduct Authority as a credit broker and not a lender.

Credit is provided by Creation Consumer Finance Limited (company number: NI032565). Registered office: Wellington Buildings, 2-4 Wellington Street, Belfast BT1 6HT. Creation Consumer Finance Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number: 311518). Credit subject to status. 18+ years. UK residents.