John Lewis

As well as being one of Britain's best known high street brands, John Lewis offers a range of financial services products via different providers.

John Lewis was founded in 1864 and is a partnership, which means it is owned by its employees, rather than private shareholders.

It is headquartered in London.

The store issues a branded credit card, which is backed by HSBC. The card provided is dubbed the 'Partnership card', and you can earn Partnership points when you spend.

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

Their home insurance policies are underwritten by Royal & Sun Alliance Insurance or Covea, depending on type of cover.


John Lewis
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Gold ribbon: first place

Car insurance

Ranked 4th of 53 providers reviewed.

Customer happiness 70%
Customer trust 68%
Complaints performance 68%
Transparency rating 56%
Fairer Finance score
Reviewed Autumn 2019
66%
Gold ribbon: first place

Credit cards

Ranked 6th of 32 providers reviewed.

Customer happiness 75%
Customer trust 72%
Complaints performance 63%
Transparency rating 36%
Fairer Finance score
Reviewed Autumn 2019
62%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 5th of 49 providers reviewed.

Customer happiness 66%
Customer trust 61%
Complaints performance 70%
Transparency rating 58%
Fairer Finance score
Reviewed Autumn 2019
64%

Pet insurance

Ranked 19th of 26 providers reviewed.

Customer happiness 51%
Customer trust 37%
Complaints performance 70%
Transparency rating 54%
Fairer Finance score
Reviewed Autumn 2019
53%

Car insurance

John Lewis

Car Insurance

5 stars
Cover limit for lost keys i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £60
Cover limit for stolen keys i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i 60
Repairs guarantee (years) i Lifetime
Courtesy car provided if stolen / total loss i

Credit cards

0% balance transfer credit cards

John Lewis

Partnership

4 stars
Duration of balance transfer offer period i 18 months
Balance transfer fee during promotional period i 2.90%
Representative APR i 18.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.46%

0% purchase credit cards

John Lewis

Partnership

4 stars
Duration of purchases offer period i 9 months
Representative APR i 18.90%
Highest APR i 18.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.46%
Number of days before interest is charged on purchases i 56 days

Cashback and reward credit cards

John Lewis

Partnership

4 stars
Reward extras i Double points promotions, spend £200 in store or online at John Lewis or Waitrose within 90 days and get £25 bonus voucher
Estimated amount of money customers get back in the 1st year (minus annual fee) i £151.91
Estimated amount of money customers get back after the 1st year (minus annual fee) i £126.91
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.75%

Foreign use credit cards

John Lewis

Partnership

1 stars
Representative APR i 18.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 2.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.46%

Home insurance (building and contents)

John Lewis

Plus cover Home Insurance

4 stars
Escape of water excess i £350
Matching sets i £10,000
Theft from outbuildings cover limit i £3,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £750
Money in the home i £500
Replace belongings new for old i

John Lewis

Premier Home Insurance

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £5,000
24hr helpline i
Alternative accommodation cover limit i Unlimited
Cover for keys if lost i Unlimited
Money in the home i £1,000
Replace belongings new for old i

John Lewis

Essential Home Insurance

2 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £2,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £500
Money in the home i £0
Replace belongings new for old i

Buildings insurance

John Lewis

Plus cover Home Insurance

4 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i £10,000
Cover for keys if lost i £750
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

John Lewis

Premier Home Insurance

4 stars
Finding & repairing a leak cover limit i Unlimited
Matching sets i
Cover for keys if lost i Unlimited
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i Unlimited
Cover for keys if stolen i Unlimited
Property owner liability i £2,000,000
24hr helpline i

John Lewis

Essential Home Insurance

3 stars
Finding & repairing a leak cover limit i £0
Matching sets i
Cover for keys if lost i £500
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

John Lewis

Plus cover Home Insurance

4 stars
Theft from outbuildings cover limit i £3,000
Matching sets i £10,000
Cover for keys if lost i £750
Cover limit for cycles in the home i £0
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £500
Cover for keys if stolen i £500
24hr helpline i

John Lewis

Premier Home Insurance

4 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i Unlimited
Cover limit for cycles in the home i £5,000
Replace belongings new for old i
Alternative accommodation cover limit i Unlimited
Money in the home cover limit i £1,000
Cover for keys if stolen i £750
24hr helpline i

John Lewis

Essential Home Insurance

2 stars
Theft from outbuildings cover limit i £2,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £0
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £0
Cover for keys if stolen i £750
24hr helpline i

Pet insurance

Cat insurance

John Lewis

Essential

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £100
Cremation i £100
Complementary treatment i £500
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £500

John Lewis

Premier

2 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £12,000
Dental cover (if due to an accident) i £12,000
Cruciate ligament damage i £12,000
CT scans i £12,000
MRI scans i £12,000
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £100
Cremation i £100
Complementary treatment i £2,000
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

John Lewis

Plus

1 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £7,500
Dental cover (if due to an accident) i £7,500
Cruciate ligament damage i £7,500
CT scans i £7,500
MRI scans i £7,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £100
Cremation i £100
Complementary treatment i £1,000
Age when compulsory excess rises i 9 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,000

Dog insurance

John Lewis

Plus

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £7,500
Dental cover (if due to an accident) i £7,500
Cruciate ligament damage i £7,500
CT scans i £7,500
MRI scans i £7,500
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £100
Cremation i £100
Complementary treatment i £1,000
Age when compulsory excess rises i 9 years
Amendment fee i £0

John Lewis

Premier

5 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £12,000
Dental cover (if due to an accident) i £12,000
Cruciate ligament damage i £12,000
CT scans i £12,000
MRI scans i £12,000
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £100
Cremation i £100
Complementary treatment i £2,000
Age when compulsory excess rises i 9 years
Amendment fee i £0

John Lewis

Essential

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £250
Euthanasia cover limit i £100
Cremation i £100
Complementary treatment i £500
Age when compulsory excess rises i 9 years
Amendment fee i £0