John Lewis Money home insurance review

We've reviewed all three of John Lewis Money's home insurance policies, which offer Bronze, Silver and Gold cover. 

You can buy these policies directly, and John Lewis Money now appears on insurance comparison sites, too.

John Lewis Money (formerly Greenbee) is the financial services division of the John Lewis partnership that includes John Lewis and Waitrose. In addition to home insurance, it also provides car and pet insurance.

Its standard policy is underwritten by a panel that includes Ageas, Axa, Covea and Prestige.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.

Does John Lewis Money offer the best home insurance?

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does John Lewis Money home insurance cover?

We've reviewed three John Lewis Money policies. Select a policy from our table to see what it offers and what we scored it.

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‘Two above-average policies’

Dean Sobers, Which? home insurance expert, says:

John Lewis Money’s highest tier of cover is Gold, which sat comfortably in the top half of our table, with buildings and contents scores of 73% and 72%, respectively.

However, we didn't name it a Best Buy due to its underwriters’ track record on complaints. The Financial Ombudsman Service tended to rule against them at higher-than-average rates when compared with insurers more generally in its most recent data.

We liked that its Gold policy doesn’t have a cash limit for alternative accommodation cover payments (rental costs if you have to live away from home during a claim). It also offers (as an optional extra) home emergency cover with a comparatively generous £1,000 claim limit. 

Areas in which it was more restrictive included a £500 claim limit for lost or stolen keys – limits of £1,000 or more are quite common. Unlike most policies, it doesn’t cover contents temporarily stored away from your home (although it does offer contents cover for students as an optional extra).

Matching sets cover

If one part of a set or suite of items are damaged, and they can’t be repaired or replaced with a match, John Lewis’ policies provide ‘matching sets’ cover – which means it will replace the whole set.

For the Gold policy, there’s no set limit for this cover. Silver is £10,000, and Bronze is £5,000. 

Silver and Bronze cover

John Lewis Money's cheaper alternatives are its Silver and Bronze policies. The former was above average for both buildings and contents cover, with scores of 72% and 69%, respectively.

Bronze sat lower in our table with scores of 68% and 66% (compared with averages of 71% and 67%). 

How good is John Lewis Money at handling claims?

John Lewis Money is underwritten by Axa Insurance UK plc, Covea Insurance plc, Prestige Underwriting Services Limited and Ageas Insurance Limited. 

For buildings-only policies, these underwriters accepted 65-75% of claims (depending on the underwriter), above the industry average of 62%. Some 5% to 25% of claimants on these policies lodged a complaint – the average is 13%.

Meanwhile, underwriters accepted 80% to 90% of claims on contents-only policies, above the average of 71%. Some 5% to 15% of claimants complained – 7% is the average.

When it came to claims on combined policies, the underwriters accepted 75% to 85% of claims – again above the 71% average. Some 5% to 25% of claimants complained, while the industry average is 12%. 

How can you save money on John Lewis Money home insurance?

Since June 2026, John Lewis Money has appeared on the following comparison sites: 

• Compare the Market
• Confused.com
• MoneySuperMarket.

You won't be offered a discount if you buy buildings and contents cover together.

Want to pay monthly? John Lewis Money charges interest of 19.5% APR, so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.

• Visit John Lewis Money directly to find out more about its home insurance policy.

How does John Lewis Money compare with other providers?

While we didn't have enough claimant feedback to calculate a customer score for John Lewis Money, its standard Silver buildings policy scored 72% and ranks joint-12th in our standard buildings cover table. Admiral's standard Gold policy earned the same score, while standard policies from Ecclesiastical and Aviva were just above (73%). 

For contents insurance, the standard policy scored 69% and ranked 11th among standard policies. Nationwide's standard policy earned the same score, and Ecclesiastical and Tesco were slightly ahead (both with 70%). 

John Lewis Money home insurance: How can you claim?

The number to call to make a claim depends on who your policy is underwritten by:

• Call 0345 168 5404 if your policy number starts with HE (Ageas Insurance).
• Call 0330 024 6842 if your policy number starts with 415 (Axa Insurance).
• Call 03300 024 2255 if your policy number starts with 866 (Covea Insurance).
• Call 0800 678 1540 if your policy number starts with TL (Prestige Underwriting).
• Call 0345 608 9006 if your policy number starts with 1000, H0, H1 or J (Munich Re Digital Partners).

If you're struggling to find your policy number or your insurer's details, call 0345 608 9031.

You can find more information on the John Lewis Money website.

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

Should you buy John Lewis Money home insurance?

Perhaps. While its complaint track record was a bit of a concern, John Lewis’ policies ranked well in our cover analysis.

 How we rate home insurance