Car Insurance

Third Party Cover

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 won't pay to repair damage to your car or other property.

Third party, fire and theft cover

This will cover third party damage, and also fire and theft, so you can claim for replacing your car if it is stolen, damaged as a result of an attempted theft, and fire damage.

Comprehensive cover

This is the most commonly purchased option. Comprehensive cover pays to repair damage to your car, including windscreens, in addition to all of the cover included 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 £100s or £1000s 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.

Compare our cover

  John Lewis
Finance		 Aviva M&S Bank Standard Cover SAGA Sainsbury's
Bank Standard
Replacement Car* provided
for up to 30 days as standard		          
Misfuelling Cover**          
Vehicle ID Theft Cover
as standard**		          

 

Source: John Lewis Finance internet survey 16 November 2017, 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.

**Terms, conditions, limitations and exclusions apply. Please refer to policy wording for details.

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Up to 75%
No Claims Discount

If you’re a safe driver, your discount is safe with us because in most cases you can choose to protect it.**

Free
Replacement Car

Never miss a school run. We’ll keep life carrying on as normal with a free replacement car as standard.*

Emergency
Journey Cover

In the event of an emergency, we'll reimburse you up to £50 in taxi or train fares.****

Learn more

TOP FAQS

What is the difference between third-party and comprehensive car 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. This cover pays to repair damage to your car, including windscreens, in addition to all of the cover described above.

What should I do if I have a car accident?

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.

How do I make a claim?

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.

See all FAQs

John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales No. 233462.

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.

Copyright © John Lewis Partnership
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