If you need to make a claim you'll have to pay the policy excess. If you’re not at fault, then you’d be able to claim this money back from the other person or their insurance company. However, in circumstances such as theft, you may have to pay the excess yourself.

Excess Protection

£31.99 per year

Excess Protection enables you to claim back this money, so you won't be out of pocket. Each claim must be equal to or more than the value of your excess, up to a maximum of £500. You can make up to two claims per year and all named drivers on your policy are covered. Windscreen claims are excluded.

Excess Protection Policy Wording (PDF, 145 KB)

For further information or to add this feature to your Car Insurance policy, please call us on 0800 916 6815.

Car Insurance Policy (PDF)

Table of cover

  John Lewis
Aviva M&S Bank Standard Cover SAGA Sainsbury's
Bank Standard
Replacement Car provided
for up to 30 days as standard*
Up to 75%
No Claims Discount**
Emergency Journey Cover
as standard***
Vehicle ID Theft Cover
as standard

Source: John Lewis Insurance Internet Survey 14th October 2016, 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.
** Maximum 75% is only available with 9 years or more no claims history. Quotes offered from a panel of insurers. Not all panel members offer up to 75%. Minimum premiums apply. No Claims Discount Protection does not protect the overall price of your policy, which may still increase if you make a claim.
*** In the event of an emergency, we'll reimburse you up to £50 in taxi or train fares. Terms apply.


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'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, and provide your Certificate of Motor Insurance within 5 days of the incident.


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.

Injuries or damage caused

Names and contact details of witnesses

Police officers’ details and report references

Photographs of the scene or any damage, if possible

CCTV or dashcam footage

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 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.

John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (Registered Company Number 233462). John Lewis plc is an appointed representative of a panel of carefully chosen partners to offer a full range of insurance products and services via John Lewis Finance (Financial Conduct Authority number 416011).

Copyright © John Lewis Partnership
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