Debenhams

Debenhams is one of the UK's best known high street retailers. It may be less well known for financial services, but does offer a number of products in the sector.

These include a credit card with a competitive reward scheme, and a number of insurance products.

Debenhams' travel insurance is arranged and administered by ROCK Insurance Group. But policies sold under the Debenhams moniker are actually underwritten by SOLID.

Its travel insurance also comes with free cover for children, which is a great perk for families. They define 'child' as anyone up to and including the age of 17.


Debenhams
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Credit cards

Ranked 25th of 34 providers reviewed.

Customer happiness 54%
Customer trust 44%
Complaints performance 58%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2019
51%

Travel insurance

Ranked 42nd of 59 providers reviewed.

Customer happiness 48%
Customer trust 43%
Complaints performance 72%
Transparency rating 34%
Fairer Finance score
Reviewed Spring 2019
49%

Car insurance

Debenhams

Car Insurance (Aviva)

4 stars
Cover for keys/locks if lost i Unlimited
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (Covea)

4 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i Lifetime
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (Ageas)

3 stars
Cover for keys/locks if lost i £500
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £10
Windscreen replacement excess i £60
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i £1,000
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (AXA)

3 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £100
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (ABC)

2 stars
Cover for keys/locks if lost i Unlimited
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (Highway)

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £750
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (Southern Rock)

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £0
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (Watford)

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £0
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (XS Direct)

1 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £50
Windscreen replacement excess i £50
Cover for keys/locks if stolen i £0
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 0 years
Courtesy car provided if stolen / total loss i

Debenhams

Car Insurance (Sabre)

1 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £15
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £0
Cover for replacing original audio/visual equipment i £750
24hr helpline available i
Repairs guarantee (years) i 5 years
Courtesy car provided if stolen / total loss i Y (Total Loss)

Credit cards

0% balance transfers

Debenhams

Credit Card

1 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 12 months
Representative APR i 24.90%
Risk based? i
Representative balance transfer rate i 1.87%

Cashback and rewards

Debenhams

Credit Card

4 stars
Reward extras i Fee free travel money and preferential rates, free delivery on new purchases, 10% discount on lunch/afternoon tea, invitations to special events.
Estimated amount of money customers get back in the 1st year (minus annual fee) i £261.26
Estimated amount of money customers get back after the 1st year (minus annual fee) i £256.26
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.75%

Foreign use

Debenhams

Credit Card

1 stars
Representative APR i 24.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.87%

Money transfers

Debenhams

Credit Card

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 24.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 2.53%

Pet insurance

Cat insurance

Debenhams

Extra

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,500
Dental cover (if due to an accident) i £3,500
Cruciate ligament damage i £1,500
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £3,500
Cremation i £0
Complementary treatment i £500
Age compulsory excess changes i 7 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

Debenhams

Elite

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,500
Dental cover (if due to an accident) i £8,500
Cruciate ligament damage i £2,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £8,500
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 7 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

Debenhams

Essential

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £2,500
Cruciate ligament damage i £1,250
CT scans i £600
MRI scans i £600
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £2,500
Cremation i £0
Complementary treatment i £400
Age compulsory excess changes i 7 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

Debenhams

Basic

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,000
Dental cover (if due to an accident) i £1,000
Cruciate ligament damage i £1,000
CT scans i £800
MRI scans i £800
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £1,000
Cremation i £0
Complementary treatment i £400
Age compulsory excess changes i 7 years
Cancellation fee i £30
Amendment fee i £10
Loss of pet total i

Dog insurance

Debenhams

Extra

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,500
Dental cover (if due to an accident) i £3,500
Cruciate ligament damage i £1,500
CT scans i £1,000
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £3,500
Cremation i £0
Complementary treatment i £500
Age compulsory excess changes i 5 years
Amendment fee i £10

Debenhams

Elite

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £8,500
Dental cover (if due to an accident) i £8,500
Cruciate ligament damage i £2,000
CT scans i £1,000
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £8,500
Cremation i £0
Complementary treatment i £750
Age compulsory excess changes i 5 years
Amendment fee i £10

Debenhams

Essential

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £2,500
Dental cover (if due to an accident) i £2,500
Cruciate ligament damage i £1,250
CT scans i £600
MRI scans i £10,000
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £2,500
Cremation i £0
Complementary treatment i £400
Age compulsory excess changes i 5 years
Amendment fee i £10

Debenhams

Basic

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £1,000
Dental cover (if due to an accident) i £1,000
Cruciate ligament damage i £1,000
CT scans i £800
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £100
Euthanasia i £1,000
Cremation i £0
Complementary treatment i £400
Age compulsory excess changes i 5 years
Amendment fee i £10

Travel insurance

Annual multi-trip insurance

Debenhams

Luxury

4 stars
Medical excess i £0
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,500
Max trip duration i 60 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £300
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Debenhams

Superior

4 stars
Medical excess i £75
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 60 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £250
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Debenhams

Gold (Comparison Site)

3 stars
Medical excess i £150
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £3,000
Max trip duration i 42 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £300
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Debenhams

Standard

3 stars
Medical excess i £99
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 60 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £750
Lost or stolen cash i £200
Combined passport & travel i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Debenhams

Bronze (Comparison Site)

2 stars
Medical excess i £190
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 42 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £750
Lost or stolen cash i £200
Combined passport & travel i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Debenhams

Silver (Comparison Site)

2 stars
Medical excess i £180
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £2,500
Max trip duration i 42 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £250
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

Debenhams

Luxury

3 stars
Missed port departure i £1,000
Re-joining a cruise i £0
Cabin confinement i £1,000
Missed port departure excess i £0
Timetable/itinerary change i £500
Unused excursions i £500

Debenhams

Standard

2 stars
Missed port departure i £500
Re-joining a cruise i £0
Cabin confinement i £1,000
Missed port departure excess i £99
Timetable/itinerary change i £500
Unused excursions i £500

Debenhams

Superior

2 stars
Missed port departure i £1,000
Re-joining a cruise i £0
Cabin confinement i £1,000
Missed port departure excess i £75
Timetable/itinerary change i £500
Unused excursions i £500

Single trip insurance

Debenhams

Superior

4 stars
Medical excess i £75
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £3,000
Missed departure i £750
Abandoning your trip i £3,000
Lost or stolen cash i £250
Combined passport & travel i £300

Debenhams

Luxury

4 stars
Medical excess i £0
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,500
Abandoning your trip i £5,000
Lost or stolen cash i £300
Combined passport & travel i £500

Debenhams

Gold (Comparison Site)

3 stars
Medical excess i £150
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £3,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,500
Abandoning your trip i £5,000
Lost or stolen cash i £300
Combined passport & travel i £300

Debenhams

Standard

3 stars
Medical excess i £99
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £500
Abandoning your trip i £750
Lost or stolen cash i £200
Combined passport & travel i £200

Debenhams

Silver (Comparison Site)

2 stars
Medical excess i £180
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £2,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £1,000
Abandoning your trip i £2,000
Lost or stolen cash i £250
Combined passport & travel i £250

Debenhams

Bronze (Comparison Site)

1 stars
Medical excess i £190
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £200
Abandoning your trip i £750
Lost or stolen cash i £200
Combined passport & travel i £200

Winter sports add-on

Debenhams

Luxury

5 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £0
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure i £500
Piste closure i £400
Unused ski pass due to illness or injury i £500

Debenhams

Superior

3 stars
Ski equipment owned i £750
Single item limit for owned equipment i £300
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £75
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £300
Piste closure i £300
Unused ski pass due to illness or injury i £300

Debenhams

Gold (Comparison Site)

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £300
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £150
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £300
Piste closure i £250
Unused ski pass due to illness or injury i £300

Debenhams

Standard

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £200
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £99
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £200
Piste closure i £250
Unused ski pass due to illness or injury i £200

Debenhams

Bronze (Comparison Site)

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £200
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £190
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £200
Piste closure i £250
Unused ski pass due to illness or injury i £200

Debenhams

Silver (Comparison Site)

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £250
Ski equipment owned excess i £180
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £250
Unused ski pass due to illness or injury i £250