Find the cheapest, most suitable car insurance policy for you
According to UK law, all cars need to be insured, but the level of cover is up to you. Many people continue to use their existing car insurance company because it’s easier to just renew their policy rather than shop around. But this can result in you not only wasting money, but also not actually using the car insurance provider or policy that is best for you.
On the surface, many insurance policies can look very similar. But if you take a closer look, there will usually be differences in both the level of cover offered and the things that you’ll actually be covered for.
That’s why it’s so important to read the policy documentation and do your research before you buy. Many insurers will have unique features in their cover that could be very valuable to you – or something that you’ll never require.
Follow our top tips to see how you could not only save money on car insurance, but also make sure it covers everything it needs to and doesn’t have any hidden exemptions.
Research the options
There are many car insurance comparison websites, so going online can be a good place to start. Results can be confusing and a little overwhelming, but if you enter accurate details and pick and choose the elements of cover you do and don’t want, you could save money.
Once you’ve browsed an online comparison website and found an insurance provider you think is the best for you, it’s worth phoning them directly. This way you can talk to a person who can answer your questions before you commit to buying. It’s important to remember that some insurers aren’t on price comparison websites, but you can call them to ask what they can offer you.
Don't get caught out
Remember that the cheapest car insurance isn’t always the most comprehensive and you may get caught out if you make a claim for something you thought was covered. So before you buy, check that the insurer you’ve chosen provides the right level of cover that you need for your car.
Check out the benefits
Certain insurers will give you a gift when you join them or offer a rewards scheme. This shouldn’t necessarily sway you too much, but it’s worth considering if it’s a close call.
Every Car Insurance policy from John Lewis Finance has been carefully created to make sure that we offer a high level of cover and great value for money. As well as the great cover that you’d expect, there are some additional features within many of our policies that you might not know about.
Up to 75% No Claims Discount – we like to reward careful drivers with our best premiums. Maximum 75% is only available with nine years or more no claims history. Quotes offered from a panel of insurers. Not all panel members offer up to 75%. Minimum premiums apply.
24 hours, 7 days a week – we know accidents can happen at any time and are never convenient. That’s why our claims line is open 24 hours a day, 7 days a week, 365 days a year.
Misfuelling Cover – putting diesel in your tank instead of petrol, or vice versa, is a surprisingly easy mistake to make and it can cause a lot of damage. That’s why with Car Insurance from John Lewis Finance you can claim for a drain-out up to £500, and 10 litres of the correct fuel to get you back on the road.
£50 Emergency Journey Cover – being involved in an accident can put a big dent in your plans as well as your car. That’s why if you’re involved in an accident and you need to travel due to an emergency before your replacement car arrives, we'll reimburse you up to £50 in taxi or train fares*.
Compare our cover
M&S Bank Standard Cover
Replacement Car* provided
for up to 30 days as standard
Vehicle ID Theft Cover
Source: John Lewis Finance internet survey 16 November 2017, based on insurer direct websites, using the standard available product, excludes optional extras.
*Cover is provided if your insured car is a total loss (a write off) or has been immobilised due to a fault road traffic accident, theft, fire, vandalism or an act of malicious damage. Comprehensive cover only. Other terms and conditions apply.
**Terms, conditions, limitations and exclusions apply. Please refer to policy wording for details.
Third party insurance only covers you against having to pay if you injure someone or damage their vehicle or other property, but won't pay to repair damage to your car. Third party, fire and theft cover will also pay to repair or replace your own car if it is stolen, or damaged or destroyed by fire.
The most commonly purchased option is comprehensive cover. This cover pays to repair damage to your car, including windscreens, in addition to all of the cover described above.
If you need to make a claim, please call us immediately on 0345 610 0360 and our claims team will be able to help, 24 hours a day.
For a windscreen claim call us on 0345 610 0361 (also available 24 hours a day).
The claims handler will ask for the details of your claim. The more details you can provide during the first call, the quicker the claims process will be.
If your vehicle is not driveable, the claims team will help arrange a replacement car to get you on your way again (usually within 24 hours), or if it’s an emergency and we cannot arrange the replacement in time, we will refund your taxi fare up to £50.
John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales No. 233462.
John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Ageas Retail Limited. John Lewis Car Insurance is provided by Ageas Retail Limited (No1324965). Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Ageas Retail Limited is authorised and regulated by the Financial Conduct Authority (number 312468). Ageas Retail Limited is a sister company of Ageas Insurance Limited.