We’re with you all the way

Get peace of mind with comprehensive Car Insurance from John Lewis - rated 5-star by Defaqto. It’s quick and simple to arrange cover.

If you ever need to make a claim, our UK call centre is available 24 hours a day.

You’ll also receive a No Claims Bonus for up to nine years.

What's covered by Car Insurance from John Lewis

Our comprehensive Car Insurance covers damage to your car, other people and their vehicles. It will also protect you if your car is stolen or damaged by fire. You can even claim for accidents that are deemed to be your fault.

What's included in your John Lewis Car Insurance

Personal injury cover up to £10,000 if you or your husband, wife or civil partner are seriously injured in an accident

Up to £500 towards travel or a hotel so you can complete your journey after you're involved in an accident

Legal liability cover if you injure a person or damage property

New car replacement if yours is less than 12 months old and is written off or stolen and not recovered

Uninsured driver protection - your no claims discount won’t be affected and you won’t have to pay your excess

180 days European cover each year

Guaranteed repairs by our approved repairer network

Courtesy car as standard while yours is being repaired by an approved repairer

You’re also covered for windscreen repairs and if you accidentally put the wrong fuel in your vehicle.

Terms and conditions apply.

Protected no claims is available as an add-on. We don’t include it as standard.

What isn't covered by Car Insurance from John Lewis?

You’re not covered for loss of, or damage to, your car caused by:

 Wear and tear

 Punctures, cuts or bursts to tyres

 Any mechanical, electrical, or computer software breaking or failing to work properly 

 Frost (unless you’ve followed the manufacturer’s instructions to avoid liquid freezing)

See our policy documents for more details:


Optional add-ons

Choose from a range of optional extras to make sure you have the protection you want. You’ll pay for any add-ons on top of your regular car insurance payment, so that means you can personalise your policy to meet your needs.

If you have 4 or more years' no claims bonus, we'll give you the opportunity to protect it.*

Get peace of mind with up to £100,000 towards legal costs and expenses, if you've been in an accident that wasn't your fault.

Choose from four levels of Breakdown Cover provided by the RAC, helping you get back on the road when you need it.

We use details to calculate your Car Insurance premium, such as:

Your age, occupation, address, any driving convictions and other details

Your car’s make, model and age, where it’s parked overnight and other details

The number of claims you’ve made in the past 5 years

Learn more about how car insurance premiums are calculated

Remember that, if you make a claim, you’ll have to pay your excess amount. This is different for everyone, and will be agreed when you take out your insurance policy. You can refer back to your policy to remind yourself of the amount if you need to.

Find out more about the claims process and the excess you pay.

How to make a claim

It’s quick and easy to make a claim. Call our friendly UK-based team 24 hours a day on 03300 240 613.

When you call, we’ll ask for some information about your claim. The more details you can give us at this stage, the quicker your claims process will be.

If your vehicle is not driveable, we’ll:

Refund the cost of overnight accommodation or travel expenses - including taxi fares, for you and your passengers up to £500

Arrange a replacement car for up to 30 days if your car is deemed a total loss or is stolen and not recovered


Before you call

Before you call us, please have the following information ready:

Your car insurance policy number

Details of the incident, including when it happened and the damage to your car

Any dashcam footage or photos

Details of any passengers in all the vehicles involved

Details of anyone who was injured

Names and addresses of anyone else involved and their registration number

The names and contact details of any witnesses

A crime reference number, if applicable

Policy documents

Top FAQs

Third party insurance only covers you if:

    You injure someone

    You damage their vehicle or property

Third party, fire and theft covers you for the above and will also pay to repair or replace your own car if it is stolen, or damaged or destroyed by fire.

However, third party policies won't pay to repair any other type of damage to your car.

The most commonly purchased option is comprehensive cover. It covers all of the above, plus

Personal belongings cover

Uninsured driver protection

Guaranteed repairs

Replacement locks


and more.

All new John Lewis Car Insurance policies provide comprehensive cover.

If you're involved in an accident, you're legally required to:

Give your name, address and insurance details to anyone who has a good reason to ask for them – namely the other driver.

Report the incident to the police within 24 hours if you or anyone else is injured.

Provide your Certificate of Motor Insurance within five days of the incident.

If possible, you should also collect the following information:

Full details of the other driver(s).

Registration numbers of all vehicles involved in the accident.

Where, when and how the accident happened.

Details of any injuries or damage caused

Names and contact details of any witnesses

Police officers’ details and any reference numbers you are given

Photographs of the scene or any damage, if possible

CCTV or dashcam footage

No. We do not currently offer multi-car insurance.

Car insurance guides

Find out how Insurance providers use information to calculate the risk you may pose on the road

Find out what to look for when choosing the most suitable car insurance policy for you

*If you have 4 or more years' no claims bonus, you can make up to 2 fault claims in a 3 year period without your no claims bonus being affected. However no claims bonus protection does not protect the overall price of your policy and the price of your policy may increase following an accident even if you weren't at fault.

Terms, conditions, limitations, exclusions and eligibility acceptance criteria apply.

John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an Appointed Representative (Financial Services Register Number 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 (Financial Services Register Number 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 No. 613259.

John Lewis plc is a credit broker and not a lender, introducing the Partnership Credit Card under exclusive arrangements with the lender NewDay Ltd.
John Lewis Finance is a trading name of John Lewis plc, registered in England with company number 233462, registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Authorised and regulated by the Financial Conduct Authority (FRN 724309). Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services.