John Lewis car insurance review

Its car insurance policy is provided by Covéa Insurance Plc.

What does John Lewis car insurance cover?

Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

Does John Lewis offer the best car insurance?

Here's how John Lewis scored in our latest car insurance survey:

Car Insurance

John Lewis review

Overall Which? score

%

Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.

Which? customer score

%

Which?'s rating for customer satisfaction, based on feedback from real customers who recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Policy score

%

Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.

Members can read full review. Not a member yet?

Get started

Already a member? Log in

Full access £2.99 for first month then £9.99 per month cancel anytime

× Become a member to see more scores

• Unlock more money saving tips.
• Get access to new money reviews
• See the best mortgages available to you

Get started

Already a member? Log in

£3.99 for first month then £7.99 per month cancel anytime

To help you find the best car insurance policy, we go the extra mile to sort the best from the worst.

John Lewis’ car insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of John Lewis' car insurance rated

Core coverExcessesNo claims discount (NCD)Additional coverMisc coverPayment, fees and admin

Weighting	Policy element	Details	Rating
Most important	Courtesy car
Most important	Courtesy car - guaranteed availability
Secondary	Courtesy car period
Other	Courtesy car provided if car is stolen
Most important	Windscreen damage - limit per claim (approved repairer / non-approved repairer)
Most important	Window damage - limit per claim (approved repairer / non-approved repairer)
Secondary	Sunroof damage - limit per claim (approved repairer / non-approved repairer)
Secondary	Personal belongings - limit per claim
Other	Medical expenses - limit per claim
Other	Physio treatment included under medical expenses
Other	Prescription costs included under medical expenses
Other	Dental treatment included under medical expenses
Other	Audio equipment - limit per claim (manufacturer fitted / non-manufacturer fitted)
Other	Sat nav - limit per claim (manufacturer fitted / non-manufacturer fitted)
Other	Child car seat - limit per claim
Secondary	Misfuelling cover
Secondary	Misfuelling cover - what's covered
Secondary	Misfuelling cover - limit per claim

Weighting	Policy element	Details	Rating
Most important	Fire excess (standard compulsory)
Most important	Theft excess (standard compulsory)
Most important	Accidental damage excess (standard compulsory)
Secondary	Non-approved repairer excess (standard compulsory)
Secondary	Windscreen repair excess (standard compulsory)
Secondary	Windscreen replacement excess (standard compulsory)
Secondary	Driver under 21 excess (standard compulsory)
Secondary	Driver 21-24 excess (standard compulsory)

Weighting	Policy element	Details	Rating
Most important	Number of claim-free years required to attain maximum NCD
Most important	NCD affected - non-fault accident
Most important	NCD affected - third-party uninsured
Secondary	NCD affected - vandalism
Secondary	NCD affected - hit while parked
Secondary	Can other drivers earn NCD on this policy?
Most important	NCD protection included
Most important	NCD protection claims (number per year)

Weighting	Policy element	Details	Rating
Most important	Motor legal protection
Secondary	Motor legal protection - limit per claim
Secondary	Motor legal protection - covered if driver uninsured
Other	Motor legal protection - covered if vehicle cloned
Other	Motor legal protection - recovery of clamping and towing fees
Most important	Personal accident cover
Secondary	Personal accident cover - limit per claim in the event of death
Secondary	Personal accident cover - limit per claim in the event of disability
Other	Personal accident cover - maximum eligible age
Most important	Theft of keys
Secondary	Theft of keys - limit per claim
Most important	Loss of keys
Secondary	Loss of keys - limit per claim
Secondary	Total-loss courtesy car
Secondary	Total-loss courtesy car period

Weighting	Policy element	Details	Rating
Most important	Repairs guarantee period
Secondary	Keys in car exclusion
Most important	Liability limit for property damage (including legal expenses)
Other	Onward travel costs in the event of an accident - limit per claim
Other	Accommodation costs in the event of an accident - limit per claim
Secondary	Driving other cars extension - level of cover
Other	Driving other cars extension guaranteed
Other	Driving other cars - emergency cover only
Other	Driving other cars - covered in Europe
Secondary	Comprehensive cover to drive overseas
Secondary	Driving abroad - days per trip limit
Other	New car replacement - damage
Other	New car replacement - period

Weighting	Policy element	Details	Rating
Most important	Interest charged on payment by instalments (APR)
Most important	Renewal fee
Secondary	Adjustment fee
Secondary	Duplicate documents fee
Secondary	Cancellation fee within cooling-off period
Secondary	Cancellation fee after cooling-off period
Secondary	Payment default fee
Other	Claims helpline
Other	Windscreen helpline
Other	Legal advice helpline
Other	Notice if insurer cancels

Table last updated in February 2022. Next update in February 2023.

How can you save money on John Lewis car insurance?

The first offer an insurer makes isn’t necessarily the best they’re able to provide - especially if you’re renewing. So before you commit, check what other insurers are offering for comparable cover and ask if your current insurer can better it.

Carefully consider what’s optionally included in the quote. You might want the confidence of an all-singing, all-dancing policy - but certain add-ons might not be for you, or could duplicate separate cover you already have.

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying the companies direct.

John Lewis' car insurance policy is available on the following price comparison websites:

• Compare the Market
• GoCompare
• MoneySupermarket

These are some of the other ways you can sometimes save when buying car insurance, but unfortunately John Lewis doesn't offer any of them:

Above information correct as of December 2021.

• Find out more: get a cheap car insurance quote

What is John Lewis' car insurance claims number?

If you need to make a claim with John Lewis car insurance, call 0330 024 0613. For claims relating to windshields, call 0330 024 0615.

• Find out more: is it worth claiming on your car insurance?