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John Lewis Car Insurance Reviews
About John Lewis
The John Lewis Partnership plc (JLP) is a U.K.-based company founded 94 years ago in 1929, and its headquarters is located in Oxford Street, London. JLP group is the third-largest UK non-traded company.
John Lewis is actually owned by its employees and operates under a trust on their behalf. John Lewis Finance offers customers credit cards, foreign currency, loans, money transfers, and insurance. John Lewis’s one purpose is to provide a high-quality service to its policyholders.
You know, good quality is a little more expensive, so if you don’t mind paying that little bit extra for better service, this company is THE car insurance company for you.
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John Lewis auto insurance cost
No site can provide you with the exact price you have to pay for insurance because the premium you pay heavily depends on these factors:
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Age:
Drivers under the age of 25 pay the highest car insurance, since they’re inexperienced and young. As the policyholders age, their rates come down.
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Gender:
Statistics show young female drivers tend to get into less severe accidents than young male drivers, so insurers charge young female drivers less. However, the average male driver pays $10 or less compared to the average female driver.
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Driving Record:
NOTHING can save you money on auto insurance, like having a claim-free and accident-free history. Yet, we understand that not everyone has a staller driving record, but even if you have a terrible account, you can still turn things around by keeping your driving record as clean as possible.
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Location:
Insurance companies always charge drivers who live in areas with high crime (fraud, theft, or even vandalism) rates or an increased risk of extreme weather events with higher premiums.
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Vehicle:
Your auto insurance premium depends heavily on age, make and model, security features, and whether any modifications have been made to your vehicle. Typically, expensive cars, like luxury or sports cars, have costly insurance premiums because of the repair or replacement expenses.
Statistics such as theft ratings, safety ratings, repair parts (if the parts are rare or expensive), etc., can impact your insurance fee too.
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Garaged vs. Parking in the street:
The risk of theft, vandalism, collision lowers if you park your car in your garage or if you park your car in your personal driveway to decrease the chance of collision; either of these actions lowers your insurance rates.
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Mileage:
How often you use your car will affect your car insurance premium. Obviously, the more you use your vehicle, the risk of accident is higher, and high risk means expensive auto insurance.
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Insurance Company:
Don’t look past this factor so quickly; the company you purchase insurance from has a significant impact. There might be another insurer, even a small or regional one, that offers the same policy you have at cheaper rates.
So as any professional or rookie says, SHOP AROUND; with the variety of available companies that sells insurance, and it is hard to find a suitable and affordable policy, but it’s not impossible.
John Lewis’ coverages
Of course, this company offers the basic auto insurance coverages such as:
- Third-Party Only
- Third-Party
- Fire and Theft
- Comprehensive
The comprehensive policy that John Lewis offers comes with a wide range of benefits, which include:
- Replacement Car
- Misfuelling cover
- Vehicle ID theft cover
- Windscreen cover
- Personal belongings cover
- Personal accident cover
This insurer also has a wide range of add-ons you can choose from:
- Legal protection
- Excess protection
- Breakdown cover
John Lewis discounts
John Lewis offers a No Claims Discount. If you have up to nine years of no claims, you can get up to 75% off premiums.
John Lewis car insurance offers an exclusive discount to new customers who purchase a car insurance policy, up to 15% online.
John Lewis Finance pros and cons
Pros:
- John Lewis Finance has a wide range of flexible coverages, meaning different options for different requirements and budgets.
Cons:
- If you want to amend your policy, you must pay an administration fee.
- You have to pay a cancellation fee to terminate your policy, and the cancellation has to be after the 14-day cooling-off period.
