Optional Legal Protection Cover pays for legal costs if you're involved in a legal dispute because of an accident that's not your fault.

Legal Protection

£25.49 per year


  • Up to £100,000 of cover for legal costs where you have the contact details of whoever caused the accident and the legal team believe that there is more than a 50% chance of achieving a positive outcome
  • Help to pursue compensation due to a road traffic accident that's not your fault, and financial losses that aren't covered by your car insurance, such as loss of earnings, the cost of alternative travel arrangements, and recovery of your policy excess from a third party
  • Cover for the cost of defending against some motoring offences related to the use of the car on your policy. However, we can't provide cover if you were driving without a licence, disqualified or were under the influence of drink or drugs.

This protection also provides access to a 24/7 Legal Helpline for advice on private legal problems and access to online legal documents.

Legal Protection policy (PDF)

Legal Protection insurance product information document (PDF)

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

Car Insurance policy documents

Contact us

We're in the process of changing our Car Insurance underwriter and are unable to quote for new policies at the moment.

To discuss renewing your policy, please call us on 0330 024 0612

(Monday to Friday 8.30am -​ 8pm, Saturday 9am to 5pm, Sunday 10am to 4pm)

Misfuelling
Cover

We’ll cover a full drain-out and 10 litres of refuelling if you accidentally choose the wrong pump.

Courtesy
Car

We’ll keep life carrying on as normal with a courtesy car provided as standard.

Onward Travel
Cover

We'll pay up to £500 towards travel or a hotel so you can complete your journey if you're involved in an accident.

TOP FAQS

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.

All new Car Insurance policies from John Lewis Finance 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, and provide your Certificate of Motor Insurance within five 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. Lines are open 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 we will refund the cost of overnight accommodation or travel expenses, including taxi fares, for you and your passengers up to £500. We will arrange a courtesy car for up to 30 days if your car is deemed a total loss or is stolen and not recovered.

John Lewis Finance is a trading name of John Lewis plc. John Lewis plc is an appointed representative (Financial Services Register No. 416011) of Covea Insurance plc. Registered in England No. 233462. Registered office 171 Victoria Street, London, SW1E 5NN.

Car Insurance arranged by John Lewis Finance is underwritten by Covea Insurance plc. Covea Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202277). Registered in England and Wales No. 613259. Registered office Norman Place, Reading, RG1 8DA.

Copyright © John Lewis Partnership
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