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
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Gold ribbon: first place

Car insurance

Ranked 5th of 51 providers reviewed.

Customer happiness 75%
Customer trust 70%
Complaints performance 68%
Transparency rating 40%
Fairer Finance score
Reviewed Spring 2019
63%
Gold ribbon: first place

Credit cards

Ranked 12th of 34 providers reviewed.

Customer happiness 73%
Customer trust 71%
Complaints performance 54%
Transparency rating 37%
Fairer Finance score
Reviewed Spring 2019
59%
Gold ribbon: first place

Home insurance

Ranked 11th of 47 providers reviewed.

Customer happiness 66%
Customer trust 58%
Complaints performance 71%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2019
60%

Car insurance

John Lewis

Car Insurance

5 stars
Cover for keys/locks if lost 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 for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i Lifetime
Courtesy car provided if stolen / total loss i

Credit cards

0% balance transfers

John Lewis

Partnership

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

0% purchases

John Lewis

Partnership

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

Cashback and rewards

John Lewis

Partnership

5 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 £211.11
Estimated amount of money customers get back after the 1st year (minus annual fee) i £186.11
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.75%

Foreign use

John Lewis

Partnership

2 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

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

2 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

2 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