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 5^th of 53 providers reviewed.

Customer happiness	70.59%
Customer trust	78.92%
Complaints performance	79.72%
Transparency rating	62.8%
Fairer Finance score Reviewed Spring 2023	73%

Credit cards

Ranked 14^th of 31 providers reviewed.

Customer happiness	64.56%
Customer trust	65.82%
Complaints performance	61.87%
Transparency rating	56.09%
Fairer Finance score Reviewed Spring 2023	62%

Home insurance (building and contents)

Ranked 24^th of 48 providers reviewed.

Customer happiness	60.42%
Customer trust	62.39%
Complaints performance	64.2%
Transparency rating	78.11%
Fairer Finance score Reviewed Spring 2023	66%

Pet insurance

Ranked 13^th of 34 providers reviewed.

Customer happiness	56.16%
Customer trust	63.41%
Complaints performance	70.86%
Transparency rating	78.19%
Fairer Finance score Reviewed Spring 2023	67%

Cover limit for lost keys i	£1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£0.00
Windscreen replacement excess i	£60.00
Repairs guarantee (years) i	Lifetime
New car replacement i
Cover limit for stolen keys i	£1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Reward extras i
Representative APR i	27.9%
Risk based? i
Annual fee in first year i	£0.00
Annual fee after first year i	£0.00
Foreign purchase fee i	2.75%

Foreign purchase fee i	2.75%
Foreign withdrawal fee i	3%
Representative APR i	27.9%
Number of days before interest is charged on non-sterling cash transactions i	0 days
Risk based? i
Representative purchase rate i	2.075%

Home Security Cover i
Home Emergency Cover limit i	£1,500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i	Add-On
Alternative Accommodation Cover i	Reasonable Cost
Unoccupied period i	90
Claims limit i	Unlimited

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

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

Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£350.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£350.00
Unoccupied period i	60
24hr helpline i
Cancellation fee after 14 days i	£0.00
Amendment fee (telephone) i	£0.00
Property owner liability i	£5,000,000.00

Type of cover i	Lifetime, annual
Medical cover limit i	£3,000.00
Medical excess i	£60.00
Annual policy limit i	£3,000.00
Annual condition limit i
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
Prescription diet (treatment of bladder stones only) 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
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
Age when compulsory excess rises i	9 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i
Is there an option to cover pre-existing conditions? i

John Lewis

Car insurance

Credit cards

Cashback and reward credit cards

Foreign use credit cards

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Pet insurance

Cat insurance

Dog insurance

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