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 52 providers reviewed.

Customer happiness 68%
Customer trust 62%
Complaints performance 68%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2018
60%
Gold ribbon: first place

Credit cards

Ranked 12th of 35 providers reviewed.

Customer happiness 75%
Customer trust 70%
Complaints performance 45%
Transparency rating 60%
Fairer Finance score
Reviewed Spring 2018
63%
Gold ribbon: first place

Home insurance

Ranked 5th of 47 providers reviewed.

Customer happiness 68%
Customer trust 59%
Complaints performance 75%
Transparency rating 51%
Fairer Finance score
Reviewed Spring 2018
64%
Gold ribbon: first place

Pet insurance

Ranked 10th of 22 providers reviewed.

Customer happiness 52%
Customer trust 45%
Complaints performance 75%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2018
57%
Gold ribbon: first place

Travel insurance

Ranked 11th of 56 providers reviewed.

Customer happiness 58%
Customer trust 62%
Complaints performance 68%
Transparency rating 38%
Fairer Finance score
Reviewed Spring 2018
56%

Car insurance

John Lewis

Car Insurance

5 stars
Courtesy car for duration of repair i
Cover for keys/locks if lost i Unlimited
Uninsured driver promise i
24hr helpline available i
Cover for keys/locks if stolen i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3
Windscreen repair excess i £0
Windscreen replacement excess i £60

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

John Lewis

Premier Home Insurance

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

John Lewis

Essential Home Insurance

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

Contents insurance

John Lewis

Premier Home Insurance

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

John Lewis

Plus cover Home Insurance

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

John Lewis

Essential Home Insurance

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

Pet insurance

Cat insurance

John Lewis

Plus

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

John Lewis

Premier

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

John Lewis

Essential

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

Dog insurance

John Lewis

Plus

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

John Lewis

Premier

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

John Lewis

Essential

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

Travel insurance

Annual multi-trip insurance

John Lewis

Premier

5 stars
Cancelling before travel i £8,000
Medical excess i £50
Personal possessions & baggage - damaged, lost or stolen i £2,500
Abandoning your trip i £8,000
Combined passport & travel i £500
Cutting trip short/curtailment i £8,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £300
Max trip duration i 60 days

John Lewis

Plus

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

John Lewis

Essential

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

Single trip insurance

John Lewis

Premier

5 stars
Cancelling before travel i £8,000
Medical excess i £50
Personal possessions and baggage - damaged, lost or stolen i £2,500
Abandoning your trip i £8,000
Combined passport & travel i £500
Cutting trip short/curtailment i £8,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £300
Missed departure i £1,000

John Lewis

Plus

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

John Lewis

Essential

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

Travel insurance add-ons

Winter sports add-on

John Lewis

Plus

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

John Lewis

Premier

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