John Lewis

John Lewis is one of Britain's best known high street brands. It offers, through various providers, a range of financial products and a broadband service.

John Lewis was founded in 1864 in London, where it is still headquartered. It is a partnership, which means that it is owned by its employees rather than by private shareholders.

John Lewis issues a branded credit card, backed by HSBC, called the 'Partnership card'. When you spend you can earn Partnership points, which can be turned into John Lewis and Waitrose gift vouchers.

In the car insurance sector, John Lewis acts as a broker. Its policies are underwritten by Covea.

John Lewis home insurance is also underwritten by Covea.

John Lewis pet insurance is underwritten by Royal & Sun Alliance Insurance plc (RSA).

John Lewis broadband is provided by Plusnet.

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Car insurance

Ranked 11^th of 49 providers reviewed.

Customer happiness score	68.09%
Customer trust score	73.94%
Complaints performance	73.41%
Transparency rating	60.53%
Fairer Finance score Reviewed Autumn 2023	69%

Credit cards

Ranked 13^th of 34 providers reviewed.

Customer happiness score	62.97%
Customer trust score	64.5%
Complaints performance	63.57%
Transparency rating	56.5%
Fairer Finance score Reviewed Autumn 2023	62%

Home emergency cover

Ranked 17^th of 35 providers reviewed.

Customer happiness score	46.08%
Customer trust score	61.76%
Complaints performance	68.53%
Transparency rating	72.67%
Fairer Finance score Reviewed Autumn 2023	62%

Home insurance (building and contents)

Ranked 18^th of 46 providers reviewed.

Customer happiness score	58.84%
Customer trust score	60.21%
Complaints performance	66.94%
Transparency rating	79.29%
Fairer Finance score Reviewed Autumn 2023	67%

Pet insurance

Ranked 11^th of 35 providers reviewed.

Customer happiness score	57.04%
Customer trust score	64.44%
Complaints performance	66.55%
Transparency rating	78.49%
Fairer Finance score Reviewed Autumn 2023	67%

Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i	£1,000.00
24hr helpline available i
New car replacement i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i	£25.00
Windscreen replacement excess i	£100.00
Cover limit for stolen keys i	£1,000.00
Cover for replacing original audio/visual equipment i	Unlimited
Repairs guarantee (years) i	Lifetime
Vandalism i

Home Security Cover i
Home Emergency Cover limit i	£1,000.00
Primary Heating System i
Cover Type i
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	Reasonable Cost
Unoccupied period i	Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Home Security Cover i
Home Emergency Cover limit i	£1,500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	Reasonable Cost
Unoccupied period i	Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Alternative accommodation cover limit for buildings i	Unlimited
Theft from outbuildings i	£5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	Unlimited
Alternative accommodation cover limit for contents i	Unlimited
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£10,000,000.00
Trace and access i	Unlimited
Keys/locks if lost or stolen (Buildings) i	Unlimited
Liability as a tenant i	£20,000.00
Replace belongings new for old i
Flood excess i	£100.00
Escape of water excess (minimum) i	£350.00
Money in the home i	£1,000.00
Visitor's possessions i	£2,500.00
Office equipment i	£10,000.00

Alternative accommodation cover limit for buildings i	£100,000.00
Theft from outbuildings i	£5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£100,000.00
Alternative accommodation cover limit for contents i	£15,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£10,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£750.00
Liability as a tenant i	£20,000.00
Replace belongings new for old i
Flood excess i	£100.00
Escape of water excess (minimum) i	£350.00
Money in the home i	£1,000.00
Visitor's possessions i	£2,500.00
Office equipment i	£5,000.00

Alternative accommodation cover limit for buildings i	£50,000.00
Theft from outbuildings i	£5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£50,000.00
Alternative accommodation cover limit for contents i	£10,000.00
Buildings cover limit i	£400,000.00
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£10,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£500.00
Liability as a tenant i	£20,000.00
Replace belongings new for old i
Flood excess i	£100.00
Escape of water excess (minimum) i	£350.00
Money in the home i	£1,000.00
Visitor's possessions i	£2,500.00
Office equipment i	£2,000.00

Escape of water excess for buildings i	£350.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£100.00
Unoccupied period i	60 days
Property owner liability i	£5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00

Medical excess i	£60.00
Type of cover i	Lifetime, annual
Medical cover limit i	£3,000.00
Age when compulsory excess rises i	9 years
Annual policy limit i	£3,000.00
Cancellation fee i	£0.00
Annual condition limit i
Amendment fee i	£0.00
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£3,000.00
Cruciate ligament damage i	£3,000.00
CT scans i	£3,000.00
MRI scans i	£3,000.00
Prescribed food i	£300.00
Complementary treatment i	£1,500.00
Boarding fees limit i	£1,500.00
Death benefit (illness) i	£1,500.00
Euthanasia cover limit i	£150.00
Cremation i	£150.00
If renewed, are existing conditions covered? i
Holiday cancellation i	£3,000.00
Holiday cover i	£3,000.00
Quarantine costs cover i	£2,000.00
Loss of PETS passport or other travel documents i	£500.00
Emergency expenses abroad i	£500.00
Maximum number of days abroad i	180 days

John Lewis

Car insurance

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Pet insurance

Cat insurance

Dog insurance

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