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John Lewis home insurance review

Read Which?'s expert review of John Lewis home insurance policies and find out how it compares with dozens of other home insurance companies.

In this article
What does John Lewis Silver home insurance cover? Does John Lewis offer the best home insurance? John Lewis Silver home insurance policy: is it good or bad? Does John Lewis offer different levels of home insurance cover?
How do customers rate John Lewis' home insurance? Where can you buy John Lewis home insurance? What is the John Lewis claims number? Get top money-saving tips from Which?

John Lewis has a 150-year legacy on the British high street and eventually branched out into financial products in 2006. It now offers insurance products including home insurance, car insurancepet insurance, as well as personal loans and credit cards.

John Lewis's home insurance is underwritten by Munich Re Digital Partners.

It offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
John Lewis Silver Standard Unlimited £75,000
John Lewis Gold Premium Unlimited Unlimited
John Lewis Bronze Essentials £400,000 £50,000

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does John Lewis Silver home insurance cover?

The information below gives an at-a-glance view of the key areas that John Lewis home insurance covers as standard. 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.

 

 Burst pipes

 

Covers the cost of repairing burst pipes in the property

 

 Key cover

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

 

£ Accidental damage

 

Covers accidental damage to personal belongings, fixtures and fittings

 

£ Home emergency

 

Covers callouts and temporary repairs resulting from a home emergency

 

£ Personal possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home

 

£ Boiler cover

 

Covers the failure of a boiler or central heating system

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes

Does John Lewis offer the best home insurance?

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

    Home And Mobile Insurance
    John Lewis review
    Overall Which? score
    %
    Our total score score combines both the Which? Customer Score, 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 25% each of Buildings and Contents policy scores.
    Which? Customer Score
    %
    Which?'s rating for customer satisfaction, based on feedback from real customers who have 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.
    Buildings policy score
    %
    Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
    Contents policy score
    %
    Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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    To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

     

    How we analyse home insurance

     

    We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

    Initially, we score all of 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 Silver home 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' Silver home insurance rated

    Weighting Policy element Details Rating
    Most important Alternative accommodation (£) Logged out detail Logged out padlock
    Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
    Most important Repairs guarantee Logged out detail Logged out padlock
    Other Unoccupancy period Logged out detail Logged out padlock
    Most important Trace and access  (£) Logged out detail Logged out padlock
    Most important Burst pipes - included? Logged out detail Logged out padlock
    Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
    Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
    Secondary Subsidence - included? Logged out detail Logged out padlock
    Secondary Damage to underground services - included? Logged out detail Logged out padlock
    Secondary Flood and storm damage - included? Logged out detail Logged out padlock
    Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
    Secondary Storm damage to fences - included? Logged out detail Logged out padlock
    Other Theft of keys - included? Logged out detail Logged out padlock
    Secondary Theft of keys (£) Logged out detail Logged out padlock
    Other Loss of keys - included? Logged out detail Logged out padlock
    Secondary Loss of keys (£) Logged out detail Logged out padlock

    Table last updated in March 2021. Next update in March 2022.

    Does John Lewis offer different levels of home insurance cover?

    John Lewis also offers Gold home insurance, which features a higher level of cover, and Bronze home insurance, which offer a lower level of cover. Log in to find out how we rated them.

    To see how John Lewis home insurance compares to other policies check out our guide on the best and worst home insurance.

    How do customers rate John Lewis' home insurance?

    As well as looking at how the John Lewis home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too. The John Lewis customer score is based claims made when its policies were underwritten by Royal & Sun Alliance Insurance plc.

    Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

    How John Lewis home insurance scored for eight elements of customer satisfaction

    Customer satisfaction element Which? customer rating
    Application process Logged out padlock
    Clarity of policy Logged out padlock
    Dealing with queries Logged out padlock
    Ease of managing your policy online Logged out padlock
    Treatment of longstanding customers Logged out padlock
    Dealing with complaints Logged out padlock
    Value for money Logged out padlock

    Table last updated in March 2021. Next update in March 2022.

    A dash '-' represents where we have insufficient sample size (less than 30) to generate a star rating

    Where can you buy John Lewis home insurance?

    John Lewis home insurance can be purchased online and over the phone.

    John Lewis home insurance policies will soon be available on the following comparison sites:

    • Compare the Market
    • Confused.com
    • GoCompare
    • MoneySuperMarket

    Find out more: how to get cheap home insurance

    What is the John Lewis claims number?

    If you need to make a claim with John Lewis home insurance call 0345 608 9005.

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