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 is a partnership, which means it is owned by its employees, rather than private shareholders.

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.

You get one point for every pound spent in John Lewis or Waitrose (including online sales) and one point for every two pounds spent everywhere else. To get £5 in vouchers to spend at either of the above stores, you need to earn 500 Partnership points.

In the car insurance sector, John Lewis acts as a broker. Policies will be underwritten by one of a number of insurers, and are provided by Ageas.

There is an exclusive arrangement for John Lewis home insurance policies. These are underwritten by Royal & Sun Alliance Insurance.


John Lewis
Gold ribbon: first place

Car insurance

Ranked 6th of 50 providers reviewed.

Customer happiness 69%
Customer trust 63%
Complaints performance 69%
Transparency rating 40%
Fairer Finance score
Reviewed Autumn 2018
60%
Gold ribbon: first place

Credit cards

Ranked 6th of 34 providers reviewed.

Customer happiness 74%
Customer trust 71%
Complaints performance 60%
Transparency rating 50%
Fairer Finance score
Reviewed Autumn 2018
64%
Gold ribbon: first place

Home insurance

Ranked 8th of 48 providers reviewed.

Customer happiness 67%
Customer trust 58%
Complaints performance 75%
Transparency rating 48%
Fairer Finance score
Reviewed Autumn 2018
61%
Gold ribbon: first place

Pet insurance

Ranked 12th of 26 providers reviewed.

Customer happiness 53%
Customer trust 49%
Complaints performance 72%
Transparency rating 54%
Fairer Finance score
Reviewed Autumn 2018
57%
Gold ribbon: first place

Travel insurance

Ranked 15th of 53 providers reviewed.

Customer happiness 61%
Customer trust 61%
Complaints performance 64%
Transparency rating 31%
Fairer Finance score
Reviewed Autumn 2018
54%

Car insurance

John Lewis

Car Insurance

5 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 £60
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

Home insurance

John Lewis

Plus cover Home Insurance

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

John Lewis

Premier Home Insurance

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accommodation i Sum insured
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

John Lewis

Essential Home Insurance

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £2,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £500
Money in the home i £0
New for old i

Buildings insurance

John Lewis

Plus cover Home Insurance

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

John Lewis

Premier Home Insurance

4 stars
Trace & access i Unlimited
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i Sum insured
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

John Lewis

Essential Home Insurance

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

Contents insurance

John Lewis

Premier Home Insurance

5 stars
Theft from outbuildings i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i £5,000
New for old i
Alternative accomodation i Sum insured
Money in the home i £1,000
Cover for keys/locks if stolen i Sum insured
24hr helpline i

John Lewis

Plus cover Home Insurance

4 stars
Theft from outbuildings i £3,000
Matching sets i £10,000
Cover for keys/locks if lost i £750
Cycles included whilst in the home i £0
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks if stolen i £750
24hr helpline i

John Lewis

Essential Home Insurance

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £500
Cycles included whilst in the home i £0
New for old i
Alternative accomodation i £10,000
Money in the home i £0
Cover for keys/locks if stolen i £500
24hr helpline i

Pet insurance

Cat insurance

John Lewis

Plus

5 stars
If renewed, are existing conditions covered? i
Vet fees (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 i £100
Cremation i £100
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

John Lewis

Premier

5 stars
If renewed, are existing conditions covered? i
Vet fees (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 i £100
Cremation i £100
Complementary treatment i £2,000
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

John Lewis

Essential

4 stars
If renewed, are existing conditions covered? i
Vet fees (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 i £100
Cremation i £100
Complementary treatment i £500
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Dog insurance

John Lewis

Plus

5 stars
If renewed, are existing conditions covered? i
Vet fees (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 i £100
Cremation i £100
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Amendment fee i £0

John Lewis

Premier

5 stars
If renewed, are existing conditions covered? i
Vet fees (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 i £100
Cremation i £100
Complementary treatment i £2,000
Age compulsory excess changes i 9 years
Amendment fee i £0

John Lewis

Essential

4 stars
If renewed, are existing conditions covered? i
Vet fees (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 i £100
Cremation i £100
Complementary treatment i £500
Age compulsory excess changes i 9 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

John Lewis

Premier

5 stars
Medical excess i £50
Cancelling before travel i £8,000
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 £8,000
Abandoning your trip i £8,000
Lost or stolen cash i £300
Combined passport & travel i £500

John Lewis

Plus

4 stars
Medical excess i £60
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 45 days
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £250

John Lewis

Essential

1 stars
Medical excess i £100
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £500
Max trip duration i 31 days
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £0
Combined passport & travel i £0

Single trip insurance

John Lewis

Premier

5 stars
Medical excess i £50
Cancelling before travel i £8,000
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 £8,000
Missed departure i £1,000
Abandoning your trip i £8,000
Lost or stolen cash i £300
Combined passport & travel i £500

John Lewis

Plus

4 stars
Medical excess i £60
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £600
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £250

John Lewis

Essential

1 stars
Medical excess i £100
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £500
Emergency medical cover and repatriation i £2,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £1,000
Lost or stolen cash i £0
Combined passport & travel i £0

Travel insurance add-ons

Winter sports add-on

John Lewis

Plus

1 stars
Ski equipment owned i £400
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £60
Ski equipment hired i £0
Single item limit for hired equipment i £0
Avalanche closure i £300
Piste closure i £300
Unused ski pass due to illness or injury i £250

John Lewis

Premier

1 stars
Ski equipment owned i £750
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £600
Ski equipment owned excess i £50
Ski equipment hired i £0
Single item limit for hired equipment i £0
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £350