John Lewis, the well-known British department store chain, also offers car insurance through John Lewis Finance. But how does John Lewis car insurance stack up against the competition? This informative guide will delve into everything you need to know, including coverage options, customer reviews, and how it compares to other providers.
What Does John Lewis Car Insurance Cover?
John Lewis offers one level of comprehensive car insurance, designed to provide all-around protection for your vehicle. Here’s a breakdown of what’s typically included:
Third-Party Liability: This covers the cost of injuries and damage you cause to others, including property damage and medical expenses (up to £20 million, with an additional £5 million for legal expenses).
Fire and Theft: If your car is damaged by fire or stolen, you’ll be compensated for the loss.
Damage to Your Car: This covers repairs or the replacement of your car if it’s damaged in an accident, regardless of fault.
Personal Injury Cover: Up to £10,000 is available for you, your spouse, or civil partner if you sustain serious injuries in an accident.
Additional Benefits: John Lewis car insurance boasts some extras, including:
New Car Replacement: If your car is less than 12 months old and written off due to theft or an accident, it will be replaced with a brand new one.
Uninsured Driver Protection: This safeguards you against hit-and-run accidents or collisions with uninsured drivers. Your no claims bonus (NCB) will remain unaffected, and you won’t have to pay your excess.
180 Days European Cover: Enjoy basic cover for driving in Europe for up to 180 days each year.
Guaranteed Repairs: John Lewis uses a network of approved repairers to ensure high-quality work on your vehicle.
Is John Lewis Car Insurance Competitive?
While John Lewis offers a comprehensive level of cover, it’s crucial to compare it with other providers to determine if it’s the most competitive option for you. Here are some factors to consider:
Price: John Lewis car insurance doesn’t publicly advertise their quotes. To get an accurate idea of their pricing, you’ll need to obtain a quote directly through their website or by calling them.
Customer Reviews: John Lewis car insurance receives generally positive reviews on platforms like Trustpilot and Defaqto. Customers often praise their customer service and competitive pricing However, it’s recommended to read a wide range of reviews to form your own well-rounded opinion.
Level of Cover: John Lewis offers a single comprehensive policy. If you’re looking for a more customizable plan with options for third-party only or lower levels of cover, you might need to explore other providers.
Additional Features: Some car insurance providers offer extras like breakdown cover or courtesy cars, which John Lewis doesn’t currently include in their standard policy.
How to Get a John Lewis Car Insurance Quote
John Lewis allows you to get a quick quote online through their website. Here’s what you’ll typically need to provide:
Car Details: The make, model, year of manufacture, and any modifications to your vehicle.
Driving Experience: Your years of driving experience, any claims history, and details about your usual mileage.
Once you submit this information, John Lewis will return a personalized quote outlining their proposed coverage and associated costs.
John Lewis Car Insurance vs. Competitors
Here’s a brief comparison of John Lewis car insurance with two popular competitors:
Direct Line: Direct Line offers a wider range of cover options, from comprehensive to third-party only. They also boast a variety of add-on features, including breakdown cover and legal protection. However, customer reviews can be mixed.
Admiral: Admiral is known for its competitive pricing and offers a variety of cover options. However, their basic policies might not include all the features you need, so be sure to compare plans carefully.
FAQ’S
What type of car insurance does John Lewis Finance offer? John Lewis Finance currently offers comprehensive car insurance as their only cover option. This means your policy covers damage to your own car (including windscreen damage) in addition to third-party liability (covering injury or damage to others’ property).
How do I get a quote for John Lewis car insurance? You can easily obtain a quote online through the John Lewis Finance website.
Can I save my quote for later? Unfortunately, John Lewis Finance doesn’t currently offer the option to save quotes online. However, the quote process is generally quick and easy to repeat if needed.
What factors affect my car insurance premium with John Lewis Finance? Several factors influence your premium, including: * Your car’s make, model, age, and value * Your driving history (including claims and no-claims bonus) * Your location (where you park your car overnight) * Your annual mileage * Any modifications you’ve made to your car
Understanding Your Cover:
What is the difference between Third Party, Third Party Fire & Theft, and Comprehensive cover? These terms refer to different levels of coverage offered by car insurance providers. John Lewis Finance only offers comprehensive cover, which is the most extensive option. Here’s a quick breakdown: * Third Party: Covers only damage you cause to others (their car or property) and injuries to others. * Third Party, Fire & Theft: Covers what Third Party offers, plus damage or theft of your own car due to fire or theft. * Comprehensive: This is the most common type, covering everything included in Third Party, Fire & Theft, plus damage to your own car caused by accidents, vandalism, weather events, and more.
Does John Lewis car insurance offer No Claims Bonus (NCB) protection? Yes, John Lewis Finance offers No Claims Discount (NCD) Protection as an optional add-on. This protects your NCB (discount you receive for claim-free years) if you make up to two fault claims within a three-year period.
What are the excess amounts on a John Lewis car insurance policy? The excess is the amount you’ll need to pay upfront in the event of a claim. The exact excess amount will depend on your specific policy details.
Payments and Renewals:
How can I pay for my John Lewis car insurance policy? John Lewis Finance typically collects payment through monthly direct debit.
Can I renew my John Lewis car insurance policy online? Yes, you can renew your policy online through your My Account on the John Lewis Finance website, provided your details are up-to-date. John Lewis Finance will also send you a renewal invitation before your current policy expires.
Can I cancel my John Lewis car insurance policy? You can typically cancel your policy mid-term, but there might be cancellation fees depending on the remaining period of your cover. It’s always best to contact John Lewis Finance directly to discuss cancellation.
Making a Claim:
How do I make a claim with John Lewis car insurance? The John Lewis Finance website should provide clear instructions on how to make a claim. Generally, you’ll need to contact them directly through phone or online channels.
What documents do I need to submit when making a claim? This will depend on the specific circumstances of your claim. However, common documents include your policy details, accident details (including photos if possible), and any police reports filed.
Additional Questions:
Is John Lewis car insurance the cheapest option? There’s no one-size-fits-all answer. It’s always recommended to compare quotes from multiple car insurance providers (including John Lewis Finance) to find the best deal for your specific needs and budget.
Does John Lewis car insurance offer any additional benefits? It’s advisable to check the John Lewis Finance website or contact them directly to see if they offer any additional benefits or features with their car insurance policies.
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