My renewal details

John Lewis Finance Car Insurance

Hello ,
Here's your quote on your with John Lewis Finance.

How would you like to pay?

Monthly Instalments
£

Deposit amount of £
11 monthly instalments of £
Total charge for credit £
12 monthly instalments of £
Total amount payable £
Representative APR %*

1 Single Payment
£

Please follow the steps below to complete your quote:

Prices shown are inclusive of Insurance Premium Tax at the prevailing rate. Credit card charges may apply.

If you choose to pay by monthly instalments, you will be taking out a loan for the cost of your policy, excluding your deposit, and spreading it over 11 months. We will charge you interest on this loan. This means the total price you will pay including your deposit over 12 months will be more expensive than the price you will pay if you choose to pay in one single annual payment. The ‘total charge for credit' is shown above.

    Please follow the steps below to complete your quote:

  1. 1 Customise your cover

    • Select your voluntary excess cover level

    Use the dropdown box to select your voluntary excess. The excess you’ll be asked to pay in the event of a claim is the total of your voluntary excess (set by you), your compulsory excess (set by the insurer) and any young or inexperienced driver excess that applies.

    Your voluntary and compulsory excess*
    £

    *An additional excess will apply if you or any drivers named on this policy are up to 24 years old or passed their driving test in the last 12 months. Click More Information below for further details. 

    More Information

    Additional excesses apply to all young and inexperienced drivers

    If you make a claim and the driver or last person in charge of the car was a young or inexperienced driver an additional excess will apply:

    Driver aged under 21 £350 
    Driver aged 21-24 £250

    Driver aged 25 or over who is an *inexperienced driver

    		 £150

    *an inexperienced driver is someone who’s held their full licence for less than 12 months

    A windscreen excess is applied for all windscreen and window claims

    If your windscreen or windows are repairable you do not need to pay an excess. 

    If your windscreen or windows need replacing the excess applicable is £60. 

    Please note if you don't use your insurer's approved windscreen and window repairer, the most they will pay is £150 after deducting any excesses.

    What’s a compulsory excess?

    It’s the part of your excess that’s set by your insurer. It can vary depending on factors such as your type of car.  

    What’s a voluntary excess?

    It’s the part of the excess that’s set by you when you apply for cover. A higher excess can reduce the price of your premium, but you must make sure that you can afford to pay the excess that you select.   

    No Claims Bonus Protection

    You are considering whether to purchase no claims bonus (NCB) protection. This would increase your premium by £{{NcbAmount}}. You have declared a current NCB of {{NcbYears}} years. The tables below show: (i) what would happen to your NCB years if you were to make one or more claims in the next 12 months with and without this protection: and (ii) the average no claims discount awarded to our motor insurance policyholders last year according to their number of NCB years. 

    To view these tables, please click the 'More Information' link below. 

    £ per month

    More Information

    For each year that you’re insured with us and don’t make a claim, you’ll earn one years no claims bonus (NCB). For an additional premium, you can choose to protect your NCB so long as there’s been a maximum of 1 fault claim made between all drivers named on the policy in the 12 months before your policy start date, and the policyholder has a minimum of 4 years NCB.

    Protecting your NCB allows you to make a claim without your NCB being reduced, so as long as you don’t make more than two fault claims in a 3 year period, your NCB will be safe for another year.

    If you don’t protect your NCB and a claim is made during the period of insurance, your NCB could be affected even if you weren’t responsible. We apply a ‘step-back’ policy at renewal that reduces your unprotected NCB by at least two years for each claim made, dependant on the circumstances of the claim or claims made.

    Your renewal premium could be affected if you’ve made a claim in the period of insurance, even if it didn’t affect your NCB.

    The table below shows what would happen to your NCB years if you were to make one or more claims in the next 12 months with and without this protection.

    (i)

    {{NcbTable}} 

    A claim that will affect your protected no claims bonus is where an insurer has made payment for any loss, damage or injury to a third party or where any costs paid for your own damage cannot be recovered or recovery remains outstanding. The table below shows the average no claims discount awarded to our motor insurance policyholders last year according to their number of NCB years

    (ii)

    Number of years NCBAverage NCB discount in 2019
    1 12.17%
    2 23.27%
    3 24.93%
    4 23.44%
    5 22.59%
    6 24.00%
    7 23.56%
    8 26.04%
    9 or more 32.36%


    Please note: Claims under certain sections of the policy may not affect your NCB. Please refer to your policy wording for further details. 

    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    4 5 2 0 5 4 4 2 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1 claim in any 3 year period2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    5 6 3 0 6 5 5 3 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any  3 year period
    6 7 4 0 7 6 6 4 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1 claim in any 3 year period2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    7 8 5 0 8 7 7 5 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    8 9 6 0 9 8 8 6 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    9 10 7 0 10 9 9 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    10 11 8 0 11 10 10 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCBNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any  3 year period
    11 12 9 0 12 11 10 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    12 13 10 0 13 12 12 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    13 14 11 0 14 13 13 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    14 15 12 0 15 14 14 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    15 16 13 0 16 15 15 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    16 17 14 0 17 16 16 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    17 18 15 0 18 17 17 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    18 19 16 0 19 18 18 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any  3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    19 20 or more 17 0 20 or more 19 19 7 0
    Number of years no claims bonus at the start of your policyNCB at next renewal without NCB protectionNCB at next renewal with NCB protection
    0 claims in 12 months1 claim in 12 months2 or more claims in 12 months0 claims in any 3 year period1
    claim in any 3 year period    		2 claims in any 3 year period3 claims in any 3 year period4 or more claims in any 3 year period
    20 or more 20 or more 18 0 20 or more 20 or more 20 or more 7 0

  2. 2 Add additional products

    Breakdown Cover

    Cars break down, and there’s never a good time for it to happen. With our Breakdown Cover, provided in partnership with the RAC, you can ensure that a breakdown doesn’t have to mean the end of your journey – and with our four levels of cover to choose from, you can choose the right cover to suit your needs.

    Roadside

    Add for £
    per month

    Total annual price: £

    Roadside & Recovery

    Add for £
    per month

    Total annual price: £

    Roadside, Recovery & At Home

    Add for £
    per month

    Total annual price: £

    Roadside, Recovery, At Home and European Motoring Assistance

    Add for £
    per month

    Total annual price: £

    More Information

    Picture of car

    Roadside

    • 24/7 breakdown cover
    • The RAC will fix your car at the roadside, as long as you’re over 1/4 mile away from home
    • Includes a 10 mile tow to a destination of your choice, local garage or a place of safety if your car cannot be fixed at the roadside
    Picture of Pickup truck

    Roadside & Recovery

    This includes all the benefits of Roadside and also includes:

    • Recovery of your car and up to 8 passengers (including the driver) to a single destination of your choice anywhere in mainland UK
    Picture of House

    Roadside, Recovery & At Home

    This includes all the benefits of Roadside & Recovery and also includes:

    • Any breakdown that occurs at your home address or within 1/4 mile of your home address. You can even book a time for the RAC to come and attend your car at home
    Picture of Boat

    Roadside, Recovery, At Home & European Motoring Assistance

    This includes all the benefits of Roadside, Recovery & At Home and also includes:

    • Cover for any breakdown in over 40 European countries
    • If your car cannot be repaired within 12 hours of the breakdown, we will arrange and pay for a hire car or alternative transport so you and your passengers can continue your jounrey or return home
    • If your car cannot be repaired by your planned return date we will arrange for the car to be returned to your home or preferred garage in the UK (providing the cost of doing so is not more than the market value of the car)

    Terms and conditions apply, as detailed in your Breakdown Cover Policy Document.

     

     

    Motor Legal Protection Cover

    If you’ve been in an accident that wasn’t your fault, you shouldn’t be left out of pocket due to legal expenses and other costs. Motor Legal Protection Cover gives you up to £100,000 towards legal costs and expenses to help you and your passengers recover uninsured losses such as loss of earnings. 

    Total annual price: £

    £per month

    Motor Legal Protection Cover is a separate product that provides additional cover to your car insurance policy, providing:

    • Legal costs and expenses up to £100,000 to help you recover uninsured losses such as compensation for personal injury, recover of your policy excess and hire car costs after an accident that wasn’t your fault
    • Up to £25,000 to defend a motoring prosecution arising while you were driving your car
    • 24/7 access to the Motor Legal Helpline

    What do I need to know about the cover?

    • This cover is underwritten by Covea Insurance plc who also underwrite our car insurance policies
    • You must report your accident to us as soon as possible
    • Your legal representative will review your legal expenses claim with you, and represent you if the claim is more likely than not to be successful 

    Terms and conditions apply, as detailed in your Motor Legal Protection Cover Policy Document.

  3. 3 Your preferences

    We've selected you to receive your policy documents electronically. We'll send you an email with a link to your My Account area where you can access all of your documents online.

    After you've bought your policy if you'd also like to receive your policy documents free of charge through the post, please call us on 03300 240 612 and we'll arrange it for you.

    £per month

    Important Information - Automatic renewal next year

    Automatic Renewal

    Tick the box below to sign up for automatic renewal, giving you the benefit of continuous cover. We’ll send you a renewal invitation before we take any payments and you can opt out any time by contacting us.

Registration Number required

To purchase a policy with us we require a vehicle registration.

Please follow the link to input your registration number and review your vehicle details.

Important Information

If we need to see your proof of no claims bonus (NCB) we’ll email you shortly after your policy starts to let you know. If this is the case, we’ll need to see your proof of NCB within 28 days of your policy start date and it will need to show:

  • That it was earned in the UK in the last 2 years

  • Your previous insurer's letterhead

  • The number of years NCB you've earned

Please note that failure to provide this proof if we ask for it could result in your premium being increased or your policy being cancelled.

It’s important that you read and familiarise yourself with our policy documents before buying the policy.

*Representative example: If you borrow £1200 at a Representative APR of 23.5% and a fixed interest rate of 10.95%, the total charge for credit is £131.40. Total amount payable £1331.40.

Car Insurance

Breakdown Cover

Motor Legal Protection Cover

If we need to see your proof of no claims bonus (NCB) we’ll email you shortly after your policy starts to let you know. If this is the case, we’ll need to see your proof of NCB within 28 days of your policy start date and it will need to show:

  • That it was earned in the UK in the last 2 years

  • Your previous insurer's letterhead

  • The number of years NCB you've earned

Please note that failure to provide this proof if we ask for it could result in your premium being increased or your policy being cancelled.

It’s important that you read and familiarise yourself with our policy documents before buying the policy.

*Representative example: If you borrow £1200 at a Representative APR of 23.5% and a fixed interest rate of 10.95%, the total charge for credit is £131.40. Total amount payable £1331.40.

Car Insurance

Breakdown Cover

Motor Legal Protection Cover

Your demands and needs

This policy, provided by Covea Insurance, will meet your requirements for car insurance as set out below.

Cover type Comprehensive
No claims bonus (years) years
No claims bonus protection
Additional products
Class of use
Voluntary excess £
Named drivers

We do not offer advice or make recommendations. We provide you with the information needed to make an informed choice on whether the product(s) we offer are suitable for your needs.

If you require breakdown insurance, cover is provided by RAC Motoring Services and/or RAC Insurance Ltd.

About Our Insurance Services

Information regarding the insurance services we provide is subject to change.

Please tick here to confirm you have read and understood the information provided ‘About Our Insurance Services’.

Click to view full information Click to view full information

Your renewal details

Please make sure you review your renewal details before purchasing your policy.

Please tick here to confirm you have read and agree to your renewal details.

Click to view your renewal details
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© 2025 John Lewis Finance Car Insurance

John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England (company number: 233462). John Lewis plc is an appointed representative (firm reference number: 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277). John Lewis Car Insurance is underwritten by Covea Insurance plc. Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (company number: 613259).