All drivers need insurance but
there are various options

What does Third Party Insurance cover?

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, third party insurance covers 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 or 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 John Lewis Car Insurance policies are comprehensive.

Comprehensive cover pays to repair damage to your car, including windscreens. This is 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 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.

What is the difference between motor legal cover and legal liability cover?

Unlike Motor Legal Protection, legal liability covers:

Your legal liability for the death or injury of another person

Damage to property caused by you driving your car

Other insured drivers using your car with your permission


John Lewis Car Insurance includes legal liability cover as standard.


No. Third party car insurance doesn’t cover the theft of your vehicle. If your car was stolen while you have third party insurance, you would not be able to make a claim.

There are different levels of cover that include theft cover so make sure to check the level of cover is suitable for you before you buy a policy.

No. Third party car insurance doesn’t cover the personal injury of yourself or your passengers. It only covers the injury of the third party that was involved in the accident.

No. Third party car insurance doesn’t cover the windscreen of your car. It only covers third party windscreen damage that is caused 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: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (registration no. 613259).

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