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 RSA.

John Lewis broadband is provided by Plusnet.

John Lewis
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Gold ribbon: first place

Car insurance

Ranked 6th of 54 providers reviewed.

Customer happiness 69.9%
Customer trust 86.73%
Complaints performance 78.12%
Transparency rating 57.84%
Fairer Finance score
Reviewed Autumn 2021
73%

Credit cards

Ranked 21st of 30 providers reviewed.

Customer happiness 70.34%
Customer trust 69.9%
Complaints performance 50.71%
Transparency rating 41.45%
Fairer Finance score
Reviewed Autumn 2021
58%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 12th of 51 providers reviewed.

Customer happiness 65.26%
Customer trust 68.26%
Complaints performance 57.5%
Transparency rating 71.91%
Fairer Finance score
Reviewed Autumn 2021
66%
Gold ribbon: first place

Pet insurance

Ranked 6th of 28 providers reviewed.

Customer happiness 62.6%
Customer trust 66.67%
Complaints performance 67.27%
Transparency rating 66.31%
Fairer Finance score
Reviewed Autumn 2021
66%

Car insurance

John Lewis

Car Insurance

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

Credit cards

0% balance transfer credit cards

John Lewis

Partnership

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

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%
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
Risk based? i

Cashback and reward credit cards

John Lewis

Partnership

3 stars
Reward extras i Double points promotions
Risk based? i
Annual fee in 1st year i £0
Annual fee after 1st year i £0
Foreign purchase fee i 2.75%

Foreign use credit cards

John Lewis

Partnership

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

Home insurance (building and contents)

John Lewis

Bronze

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £500
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

John Lewis

Bronze Buildings, Silver Contents

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £500
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

John Lewis

Bronze Buildings, Gold Contents

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £500
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

John Lewis

Silver

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £750
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

John Lewis

Silver Buildings, Bronze Contents

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £750
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

John Lewis

Silver Buildings, Gold Contents

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £750
Money in the home i £1,000
Replace belongings new for old i
24hr helpline i

John Lewis

Gold

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
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
24hr helpline i

John Lewis

Gold Buildings, Bronze Contents

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
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
24hr helpline i

John Lewis

Gold Buildings, Silver Contents

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
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
24hr helpline i

Buildings insurance

John Lewis

Bronze

4 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £500
Compulsory excess i £100
Escape of water excess i £350
24hr helpline i
Property owner liability i £5,000,000

John Lewis

Silver

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

John Lewis

Gold

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

Contents insurance

John Lewis

Bronze

4 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £500
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £1,000
Cover for keys if stolen i £500
24hr helpline i

John Lewis

Silver

4 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £750
Cover limit for cycles in the home i £500
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £1,000
Cover for keys if stolen i £750
24hr helpline i

John Lewis

Gold

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 £500
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 Unlimited
24hr helpline i

Pet insurance

Cat insurance

John Lewis

Plus

5 stars
Vet fees cover limit per condition i £7,500
Dental cover (if due to an accident) i £7,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

John Lewis

Premier

5 stars
Vet fees cover limit per condition i £12,000
Dental cover (if due to an accident) i £12,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

Essential

4 stars
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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

Dog insurance

John Lewis

Plus

5 stars
Vet fees cover limit per condition i £7,500
Dental cover (if due to an accident) i £7,500
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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
Vet fees cover limit per condition i £12,000
Dental cover (if due to an accident) i £12,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
If renewed, are existing conditions covered? i
Vet fees cover limit per policy period 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