All cars need insurance but
there are various options

Third party insurance

This is the most basic cover you can get, and is the legal minimum of car insurance cover. In the event of an accident that was seen to be your fault, this type of cover protects other people, vehicles and property, but injuries you suffer and damage to your own car is not covered.

Third party insurance only covers you against having to pay if you injure someone or damage their vehicle or other property, but it won’t pay to repair damage to your car.

Third party, fire and theft cover

This will cover third party damage and also fire and theft, so you can claim for repair of replacement if your car is damaged or destroyed as a result of theft, attempted theft or fire.

Comprehensive cover

This is the most commonly purchased option - all new John Lewis Car Insurance polices are fully comprehensive.

Comprehensive cover pays to repair damage to your car, including windscreens, in addition to all of the cover including in third party, fire and theft cover.

People sometimes incorrectly assume that comprehensive cover is the most expensive cover but this is not necessarily true – you may find that comprehensive cover works out as cheap as third party, fire and theft.

Remember that with comprehensive car insurance you are covered for everything included in third party, fire and theft cover, plus:

Damage to your own car

A pay-out for the market value of your old car

Windscreen cover

However, if your car is relatively cheap to repair, then a third party policy might be better for you. A newer car might cost hundreds or thousands of pounds to repair, in which case third party cover would leave you footing a hefty bill, and wipe out any savings you made by choosing third party cover.


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


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

Onward Travel

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

Not yet covered by
John Lewis Car Insurance?

Call us on 0330 024 0614 for more information on our car insurance policies, or get an online quote.


John Lewis Finance, John Lewis Insurance and John Lewis & Partners are trading names of John Lewis plc. John Lewis plc is an appointed representative (registration no. 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 (registration no. 202277). John Lewis Car Insurance is underwritten by Covea Insurance plc. Registered Office: Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales (no. 613259).

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