Car insurance protects you against responsibility for any expenses if you injure someone or damage their vehicle or other property while driving. In the United Kingdom, it's compulsory for drivers to have car insurance and the minimum legal requirement is third party insurance.
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. Comprehensive cover pays to repair damage to your car, including windscreens, in addition to all of the cover described above.
Car insurance policies vary, so always check what your policy offers as standard and what optional extras you have to pay more for.
Optional Legal Protection Cover pays for legal costs if you're involved in a legal dispute because of an accident that is not your fault.
Legal Protection with our Car Insurance includes:
Up to £100,00 of cover for legal costs where you have the contact details of whoever caused the accident and the legal team believe that there is at least a 50% chance of achieving a positive outcome
Help to reclaim uninsured financial losses such as loss of earnings
Car breakdown policies provide different levels of cover that can include:
Assistance if your car won't start at home
Recovery of a broken down vehicle to the nearest garage or your home address
Cover in Europe.
Car Insurance from John Lewis Finance offers three levels of optional cover for the car you insure with us - Roadside Rescue, Home Rescue and European Rescue.
This Breakdown Cover is designed to get you back on your way as quickly as possible, but it won't cover the cost of replacement parts, fuel, tyres or other materials used in the repair.
Excess Protection Cover protects you against those situations where you have to pay the excess yourself, for example theft or an accident that was your fault.
Car Insurance from John Lewis Finance offers optional cover for you to reclaim excess payments up to £500, as long as the claim is for the same or more than your excess amount. You can call on this cover twice a year - windscreen replacement claims are excluded from excess protection so you cannot claim for these. With our Car Insurance windscreen repair is covered and a new windscreen is subject to excess, but a windscreen claim won’t affect your No Claims Discount.
Simply call 0345 610 0361 (lines open 24 hours a day).
By having the glass repaired instead of replaced, you can avoid paying any excess, and if you claim for your windscreen, your No Claims Discount won't be affected.
Claiming for an accident that was your fault usually means you lose some or all of your No Claims Discount. However there is a way to protect your discount. If you have accumulated four or more years No Claims Discount, and don’t already have two or more claims in the last three years, you may be able to protect the discount for an additional cost.
Protected No Claims Discount allows you to make up to two fault claims in a three year period without losing any of your No Claims Discount.
No Claims Bonus Protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.
If you wish to protect less than four years of No Claims Discount we may still be able to help. Call 0800 916 6815 to speak to one of our expert advisers.
Many policies increasingly only provide a replacement car as an optional extra, while others only provide one if your car requires repair, but will not provide a replacement if your car is stolen or written-off.
With our Comprehensive cover, following theft, fire, vandalism, an act of malicious damage, or if your car is a total loss or has been immobilised due a road traffic accicent that was not your fault, a replacement car will be provided for up to 30 days as standard.
However, if the incident is at-fault or the car is merely being repaired, you’ll receive a courtesy car from the repair garage and this may be any car the repairer has available (guaranteed only when using one of our approved repairers).
Our Comprehensive Cover includes Personal Accident Cover which will protect you or your spouse/civil partner in the case of serious injury while you're travelling in any car, up to £10,000 as standard.
Cover is also in place for any passenger who is getting into, travelling in or getting out of the car (as long as there is a passenger seat for that person).
Car Insurance from John Lewis Finance provides unlimited cover against damage to in-car equipment if it has been fitted by the manufacturer, and up to £500 for non-manufacturer fitted equipment.
Windscreens are covered under a comprehensive policy for damaged or broken windscreens and windows. By having the glass repaired instead of replaced, you can avoid paying any excess, and if you claim for your windscreen, your No Claims Discount won't be affected.
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). Calls may be recorded and monitored.