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John Lewis car insurance review

Read our expert review of John Lewis car insurance. Find out how we rate its policy against 33 other providers.

In this article
What does John Lewis car insurance cover? Does John Lewis offer the best car insurance? John Lewis’ car insurance policy: is it good or bad?
How can you save money on John Lewis car insurance? What is John Lewis' car insurance claims number?

John Lewis might be best known for its department stores, but the retailer also offers a variety of financial products, including home insurance and pet insurance.

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.

 

Courtesy car

 

Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim

 

Personal accident

 

Covers the policyholder and passengers if they are injured in an accident

 

Stolen keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are stolen

 

Lost keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are lost

 

£ No Claims Discount (NCD) protection

 

Allows the policyholder to make a specified number of claims over a period without affecting their no-claims discount

 

£ Motor legal protection

 

Covers legal expenses for legal action you might take as the result of an accident

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

 

How we analyse car insurance

 

We analyse and rate 73 key elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

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

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

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:

 

Multi-car discount

 

There's no discount for insuring multiple cars on one policy with John Lewis.

 

Dashcam discount

 

You won't save money by having a dash cam in your car.

 

Membership discount

 

There's no discount for being a member of an organisation.

 

Joint car and home insurance discount

 

You won't save money from buying a car and home insurance from John Lewis. 

Above information correct as of December 2021.

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.

 

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