Car Insurance

PRE-CONTRACT
CREDIT INFORMATION


Contact Detals
Lender Covea Insurance plc
Address Covea Insurance plc, A&B Mill, Dean Clough, Halifax, HX3 5AX
Telephone 03300 240 612
Key features of the credit product
Type of credit Running-Account Credit Agreement to pay, from time to time, for the finance of insurance premiums.
The total amount of credit.
This means the total amount of credit to be provided under the proposed Credit Agreement or the credit limit
At the date of the initial agreement there will be no credit limit.
How and when credit would be provided We will provide you with credit to finance the payment of any insurance transactions and related products, arranged from time to time, at your request, with Covea Insurance plc. You will not be able to draw down any cash sums.
The duration of the Credit Agreement The agreement has no fixed or minimum duration.
Repayments When you ask us to finance any transactions under this agreement we will tell you the monthly minimum payments you will be required to make. These will be calculated by applying the total sum borrowed plus interest due under each relevant transaction and dividing by the remaining term of the relevant insurance policy. If there is more than one transaction under this agreement, we will add together the total payments to produce a monthly minimum amount. In respect of your first transaction there will be an advance payment of £, followed by 11 equal monthly instalments of £.
The total amount you will have to pay. This means the amount you have borrowed plus interest In respect of your first transaction the amount payable is £. This is the amount you will pay if you do not add any further transactions to this agreement.
Because this agreement allows you to borrow on future occasions, we have to use an example APR calculation based on standard assumptions. We assume that you will have a credit limit of, and borrow £1,200. You will repay that sum, together with interest, by 11 equal instalments at monthly intervals, starting 1 month after your initial transaction, and the rate of interest will not change. Based on this example, if you borrow £1,200 the total amount repayable would be £1,331. The actual amount you will pay is dependent on how much you borrow and how long you borrow it for.
Description of services.
The proposed credit will be granted in the form of a deferred payment for goods or services.
For the purposes of payment for insurance policies and related products arranged by John Lewis Finance.
Cash price £
Security required We may deduct any amount due under this agreement from the value of any claim or other payment due under any insurance policy financed by it.
Costs of the credit
The rates of interest which apply to the Credit Agreement % will be added to the total amount of credit. This equates to an annual interest charge of 11.95%. This rate will apply throughout the duration of the Credit Agreement, unless we vary the rate of interest, which we may do as specified in the Credit Agreement, by giving you at least 7 days’ written notice of the new rate.
Annual Percentage Rate of Charge (APR). This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers % (variable, representative)
This is an example and has been calculated on the basis of the following assumptions:
  • You will have a credit limit of, and will borrow £1,200
  • You will repay that sum, plus interest, by 11 equal instalments, at monthly intervals
  • The interest rate will not change
Related costs
Costs in the case of late payments No charges will be applied for late or missed payments but interest will continue to apply on overdue unpaid amounts at the applicable interest rate until we receive payment, before and after judgment.
Consequences of missing payments Missing payments could have severe consequences. If you fail to make a payment or cancel a payment instruction in respect of any payments due under this agreement we may cancel the insurance policy and related products that the credit is being used to pay for. This would leave you without the protection of insurance cover. We may also take legal proceedings to recover what you owe which may mean you have to pay our costs and mean you have a court order against you. It could also make it harder for you to obtain credit in the future.
Other important legal aspects
Right of Withdrawal You have the right to withdraw from the Credit Agreement up to 14 days after the day on which the agreement is made or you receive a copy of the agreement, whichever is later. To withdraw you must notify us that you intend to do so by telephoning us on 03300 240 612, or writing to us at
Covea Insurance plc, A&B Mill, Dean Clough, Halifax, HX3 5AX.
Early repayment You have the right to repay this agreement early, at any time, in full or in part, by giving notice to us at our postal address above or by telephoning us on
03300 240 612.
Consultation with a Credit Reference Agency If we decide not to proceed with this Credit Agreement on the basis of information from a credit reference agency we will, when informing you of the decision, inform you that it has been reached on the basis of information from a credit reference agency and of the particulars of that agency.
Additional information in case of distance marketing of financial services
a) Concerning the Lender
Registration Number Firm Reference Number: 202277
The Supervisory Authority The Financial Conduct Authority
b) Concerning the Credit Agreement
The law applicable to the Credit Agreement and/or the competent court The agreement will be subject to the law applying in that part of the United Kingdom where you reside. If there is any dispute, the law of England and Wales will apply.
Language to be used in connection with your agreement English.
b) Concerning the Credit Agreement
Access to out-of-court complaint and redress mechanism If you have a complaint please call us on 03300 240 617 or write to us at
Covea Insurance plc, A&B Mill, Dean Clough, Halifax, HX3 5AX.
If we cannot resolve your complaint, and you are not a business customer, you have the right to complain to the Financial Ombudsman Service at
Exchange Tower, London, E14 9SR, by calling 0800 023 4567 or through their website at www.financial-ombudsman.org.uk.

To buy your policy, please view and agree to the above Pre-Contract Credit Information

requestUrl : apply-car.johnlewisfinance.com
successUrl : https://apply-car.johnlewisfinance.com/quote/your-payment1/payment-confirmation/
otherUrl : https://apply-car.johnlewisfinance.com/quote/your-payment1/paymenterror3/
serverErrorUrl : https://apply-car.johnlewisfinance.com/quote/system-error/
unableToQuoteUrl : https://apply-car.johnlewisfinance.com/quote/unable-to-quote/
timeoutUrl : https://apply-car.johnlewisfinance.com/quote/timeout/

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We have a number of checks to ensure we're only offering cover to honest customers, so we can maintain low premiums

Policy documents

View our policy documents for more information about what we cover.

These documents are relevant to all policies taken out after 5th December 2023. Visit the My Account area for your most up to date documents.

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Or call us on: 03300 240 614

Great Cover

Expert Rated

Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.

Safe and Secure

Safe and Secure


We have a number of checks to ensure we're only offering cover to honest customers, so we can maintain low premiums

Policy documents

View our policy documents for more information about what we cover.

These documents are relevant to all policies taken out after 5th December 2023. Visit the My Account area for your most up to date documents.

Your quote details

Please note that we will contact you with further information about your quote via telephone and email.

Great Cover

Expert Rated

Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.

Safe and Secure

Safe and Secure


We have a number of checks to ensure we're only offering cover to honest customers, so we can maintain low premiums

Policy documents

View our policy documents for more information about what we cover.

These documents are relevant to all policies taken out after 5th December 2023. Visit the My Account area for your most up to date documents.