What are the benefits of our Car Insurance?

If you have years of safe driving experience behind you, this could be taken into consideration by your car insurer.

At John Lewis our comprehensive car insurance can provide cover if you are over 50, and a history of safe driving could be reflected in the price of your premium.

What’s covered with our car insurance?

Comprehensive cover

Your safe driving is rewarded with a No Claims Bonus up to 9 years

The power to choose your own voluntary excess

Emergency driver cover - in a medical emergency another driver can drive your vehicle

180 Days driving cover in the EU every year 

Uninsured driver protection that won’t affect your no claims bonus or require you to pay your excess

Child car seat replacement if one belonging to a policyholder is damaged in an accident

Electric Vehicle Cover that includes damage to your car, charging cables and port


Find out more about our comprehensive car insurance policies.

Is car insurance cheaper for over 50s?

It’s possible that car insurance could be cheaper once you pass the age of fifty. Many factors are considered when insurers calculate premiums - and this does include age. If you have been driving for numerous years without making a claim, the cost of your policy could be reduced. 

However, it’s important to be aware that other factors like high mileage or car modifications can still increase your premiums, regardless of experience or no claims.

Optional add-ons

We offer different add-ons to help you customise your insurance to better meet your needs.

If you have four or more years of no claims bonus you can opt to protect it so you can make a claim without losing all of your bonus.

If you’ve been in an accident that wasn’t your fault you can claim up to £100,000 towards legal costs and expenses.

An option of four tiers of cover provided by the RAC to help you get back on the road when you need it.

Policy Documents

Expert Quote

Comprehensive cover is the highest level for car insurance. That's why at John Lewis, this is all we offer - to ensure you, your vehicle, and other road users are financially protected. Our friendly UK based claims team are available to you 24 hours a day, so we can be there for you when you need us most.

Chris Hammond, Customer Experience Manager, Car Insurance

Frequently asked questions

Yes, John Lewis Comprehensive Car Insurance covers any damage to your car windscreen, windows, and sunroof, including full windscreen replacement. We’ll even cover the cost of repairing scratches to the bodywork caused by the windscreen. Details of the applicable excesses can be found in your policy schedule.

Making a windscreen claim will not affect your no claims discount.

There's no maximum age with John Lewis Car Insurance if you're an existing customer. We insure new customers between the ages of 17 and 85 as long as they meet our criteria.

You don’t need to have a health check to take out John Lewis Car Insurance. If you already have or have recently developed a health condition that would affect your ability to drive, you must inform your insurer and the DVLA. Regardless of age, all drivers have a responsibility to ensure they’re safe to be behind the wheel. This protects drivers, passengers and anyone else on the road. For more information check the UK government website.

It is usually no more difficult to buy car insurance for over 50’s than it is to get insurance if you are under the age of 50 but some insurers do have upper age limits.
There's no maximum age with John Lewis Car Insurance if you're an existing customer. We insure new customers between the ages of 17 and 85 as long as they meet our criteria.

Exploring foreign countries by car? It’s essential you check the regulations before you go, including those that may have changed after Brexit.

When calculating premiums, car insurance providers consider ‘risk factors’. This includes your age, postcode and driving history.

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.

Copyright © John Lewis Partnership
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