Coronavirus Read our latest advice

We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

John Lewis home insurance review

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

In this article
John Lewis home insurance overview Does John Lewis offer the best home insurance? John Lewis's Plus 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? What is John Lewis' claims number? Get top money-saving tips from Which?

John Lewis home insurance overview

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, pet insurance, as well as personal loans and credit cards.

John Lewis's home insurance is underwritten by Royal & Sun Alliance Insurance plc.

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. 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 this company's buildings insurance policy. We analysed 48 features of its cover to calculate the policy score.
    Contents policy score
    %
    Which?'s rating of the quality this company's contents insurance policy. We analysed 67 features of its cover to calculate the policy score.
    Members can read full review. Not a member yet?
    First month only £5, then £9.99 per month, cancel any time.
    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
    £5 for first month then £9.99/month unless cancelled

    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 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 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's Plus 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' Plus home insurance rated

    Weighting Policy element Details Rating
    Most important Maximum sum insured (£) Logged out detail Logged out padlock
    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 2020. Next update in February 2021.

    Does John Lewis offer different levels of home insurance cover?

    John Lewis also offers Premier home insurance, which features a higher level of cover, and Essentials home insurance, which offer a lower level of cover.

    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 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.

    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 seven 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 2020. Next update in February 2021.

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

    What is John Lewis' claims number?

    If you need to make a claim with John Lewis home insurance call 0330 102 2749.

    According to the, your claims handler will ask for details of your claim and explain any policy excess that may apply. The more details that you can apply during the first call, the quicker the claims process is likely to be. 

    Find out more about claiming successfully in our guide to making a home insurance claim.

    Get top money-saving tips from Which?

    Sign up to the Which? Money Weekly newsletter to get our latest news, tips, and deals straight to your inbox. 

     

    ×