Hello ,
Here's your quote on your
How would you like to pay?
Monthly Instalments
£
Deposit amount of | £ |
---|---|
11 monthly instalments of | £ |
Total charge for credit | £ |
Total amount payable | £ |
Representative APR | %* |
1 Single Payment
£
Please follow the steps below to complete your quote:
As a member of myWaitrose or my John Lewis you'll receive a £50 e-gift card for purchasing John Lewis Car Insurance. Customers purchasing through a comparison website are not eligible for this offer.
Your e-gift card will be sent via email within 30 days of the policy start date.
As a member of myWaitrose or my John Lewis you'll receive a £50 e-gift card for purchasing John Lewis Car Insurance. Customers purchasing through a comparison website are not eligible for this offer.
Your e-gift card will be sent via email within 30 days of the policy start date.
On purchase of this John Lewis Car Insurance policy, a £20 donation will be made by John Lewis PLC to the John Lewis Foundation (Registered charity number: 1118162). The Foundation invests in disadvantaged communities that support the John Lewis business throughout the world, helping them to acquire the relevant skills required for meaningful employment. For more information please visit http://www.johnlewisfoundation.org/
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.
Don't forget to check your details are correct before purchasing your policy.
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Is your car normally kept at your home address at night?
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Please check the start date of your policy and click to confirm it is correct.
The email address you've entered is already in use. Please click continue and enter a new email address in order to buy your policy.
Please follow the steps below to complete your quote:
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.
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
An unapproved repairer excess of £150 is applicable
A windscreen excess is applied for all windscreen and window claims
If your windscreen or windows are repairable, the excess applicable is £25.
If your windscreen or windows need replacing, the excess applicable is £100.
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.
Unfortunately we're unable to offer protected no claims bonus on your policy. If you have any further questions, please don't hesitate to contact us using the methods provided on our help page.
£ per month
We can only offer no claims bonus protection if:
Please note that the claims history for all drivers named on your policy will be taken into account when calculating your eligibility for no claims bonus protection.
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 NCB | Average NCB discount in 2023 |
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1 | 4.5% |
2 | 15.9% |
3 | 16.2% |
4 | 18.3% |
5 | 21.2% |
6 | 23.8% |
7 | 25.0% |
8 | 27.4% |
9 or more | 38.3% |
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 policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
4 | 5 | 2 | 0 | 5 | 4 | 4 | 2 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 5 |
1 claim in 12 months | 2 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 5 |
1 claim in any 3 year period | 4 |
2 claims in any 3 year period | 4 |
3 claims in any 3 year period | 2 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
5 | 6 | 3 | 0 | 6 | 5 | 5 | 3 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 6 |
1 claim in 12 months | 3 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 6 |
1 claim in any 3 year period | 5 |
2 claims in any 3 year period | 5 |
3 claims in any 3 year period | 3 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
6 | 7 | 4 | 0 | 7 | 6 | 6 | 4 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 7 |
1 claim in 12 months | 4 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 7 |
1 claim in any 3 year period | 6 |
2 claims in any 3 year period | 6 |
3 claims in any 3 year period | 4 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
7 | 8 | 5 | 0 | 8 | 7 | 7 | 5 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 8 |
1 claim in 12 months | 5 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 8 |
1 claim in any 3 year period | 7 |
2 claims in any 3 year period | 7 |
3 claims in any 3 year period | 5 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
8 | 9 | 6 | 0 | 9 | 8 | 8 | 6 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 9 |
1 claim in 12 months | 6 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 9 |
1 claim in any 3 year period | 8 |
2 claims in any 3 year period | 8 |
3 claims in any 3 year period | 6 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
9 | 10 | 7 | 0 | 10 | 9 | 9 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 10 |
1 claim in 12 months | 7 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 10 |
1 claim in any 3 year period | 9 |
2 claims in any 3 year period | 9 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
10 | 11 | 8 | 0 | 11 | 10 | 10 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 11 |
1 claim in 12 months | 8 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 11 |
1 claim in any 3 year period | 10 |
2 claims in any 3 year period | 10 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
11 | 12 | 9 | 0 | 12 | 11 | 10 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 12 |
1 claim in 12 months | 9 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 12 |
1 claim in any 3 year period | 11 |
2 claims in any 3 year period | 10 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
12 | 13 | 10 | 0 | 13 | 12 | 12 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 13 |
1 claim in 12 months | 10 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 13 |
1 claim in any 3 year period | 12 |
2 claims in any 3 year period | 12 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
13 | 14 | 11 | 0 | 14 | 13 | 13 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 14 |
1 claim in 12 months | 11 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 14 |
1 claim in any 3 year period | 13 |
2 claims in any 3 year period | 13 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
14 | 15 | 12 | 0 | 15 | 14 | 14 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 15 |
1 claim in 12 months | 12 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 15 |
1 claim in any 3 year period | 14 |
2 claims in any 3 year period | 14 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
15 | 16 | 13 | 0 | 16 | 15 | 15 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 16 |
1 claim in 12 months | 13 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 16 |
1 claim in any 3 year period | 15 |
2 claims in any 3 year period | 15 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
16 | 17 | 14 | 0 | 17 | 16 | 16 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 17 |
1 claim in 12 months | 14 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 17 |
1 claim in any 3 year period | 16 |
2 claims in any 3 year period | 16 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
17 | 18 | 15 | 0 | 18 | 17 | 17 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 18 |
1 claim in 12 months | 15 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 18 |
1 claim in any 3 year period | 17 |
2 claims in any 3 year period | 17 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
18 | 19 | 16 | 0 | 19 | 18 | 18 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 19 |
1 claim in 12 months | 16 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 19 |
1 claim in any 3 year period | 18 |
2 claims in any 3 year period | 18 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 or more claims in any 3 year period | |
19 | 20 or more | 17 | 0 | 20 or more | 19 | 19 | 7 | 0 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 20 or more |
1 claim in 12 months | 17 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 20 or more |
1 claim in any 3 year period | 19 |
2 claims in any 3 year period | 19 |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
Number of years no claims bonus at the start of your policy | NCB at next renewal without NCB protection | NCB at next renewal with NCB protection | ||||||
---|---|---|---|---|---|---|---|---|
0 claims in 12 months | 1 claim in 12 months | 2 or more claims in 12 months | 0 claims in any 3 year period | 1 claim in any 3 year period | 2 claims in any 3 year period | 3 claims in any 3 year period | 4 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 |
NCB at next renewal without NCB protection | |
---|---|
0 claims in 12 months | 20 or more |
1 claim in 12 months | 18 |
2 or more claims in 12 months | 0 |
NCB at next renewal with NCB protection | |
---|---|
0 claims in any 3 year period | 20 or more |
1 claim in any 3 year period | 20 or more |
2 claims in any 3 year period | 20 or more |
3 claims in any 3 year period | 7 |
4 or more claims in any 3 year period | 0 |
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.
Add for £
per month
Total annual price: £
Add for £
per month
Total annual price: £
Add for £
per month
Total annual price: £
Add for £
per month
Total annual price: £
This includes all the benefits of Roadside and also includes:
This includes all the benefits of Roadside & Recovery and also includes:
This includes all the benefits of Roadside, Recovery & At Home and also includes:
Terms and conditions apply, as detailed in your Breakdown Cover Policy Document.
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:
What do I need to know about the cover?
Terms and conditions apply, as detailed in your Motor Legal Protection Cover Policy Document.
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.
Or, if you prefer, you can access these from the ‘My Account’ area for free!
Total annual price £15.00
£per month
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.
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 14 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
Credit 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 14 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
Credit Information
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.
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’.
To keep all of your details safe, please create a password to save your quote. You can retrieve your quote in the future by visiting this page: Click here
Email address
Information |
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Contact Detals | |
---|---|
Lender | Covea Insurance plc |
Address | Covea Insurance plc, A&B Mill, Dean Clough, Halifax, HX3 5AX |
Telephone | 03300 240 612 |
Key features of the credit product | |
---|---|
Type of credit | Running-Account Credit Agreement to pay, from time to time, for the finance of insurance premiums. |
The total amount of credit. This means the total amount of credit to be provided under the proposed Credit Agreement or the credit limit |
At the date of the initial agreement there will be no credit limit. |
How and when credit would be provided | We will provide you with credit to finance the payment of any insurance transactions and related products, arranged from time to time, at your request, with Covea Insurance plc. You will not be able to draw down any cash sums. |
The duration of the Credit Agreement | The agreement has no fixed or minimum duration. |
Repayments | When you ask us to finance any transactions under this agreement we will tell you the monthly minimum payments you will be required to make. These will be calculated by applying the total sum borrowed plus interest due under each relevant transaction and dividing by the remaining term of the relevant insurance policy. If there is more than one transaction under this agreement, we will add together the total payments to produce a monthly minimum amount. In respect of your first transaction there will be an advance payment of £, followed by 11 equal monthly instalments of £. |
The total amount you will have to pay. This means the amount you have borrowed plus interest |
In respect of your first transaction the amount payable is £.
This is the amount you will pay if you do not add any further transactions to this agreement. Because this agreement allows you to borrow on future occasions, we have to use an example APR calculation based on standard assumptions. We assume that you will have a credit limit of, and borrow £1,200. You will repay that sum, together with interest, by 11 equal instalments at monthly intervals, starting 1 month after your initial transaction, and the rate of interest will not change. Based on this example, if you borrow £1,200 the total amount repayable would be £1,331. The actual amount you will pay is dependent on how much you borrow and how long you borrow it for. |
Description of services. The proposed credit will be granted in the form of a deferred payment for goods or services. |
For the purposes of payment for insurance policies and related products arranged by John Lewis Finance. |
Cash price | £ |
Security required | We may deduct any amount due under this agreement from the value of any claim or other payment due under any insurance policy financed by it. |
Costs of the credit | |
---|---|
The rates of interest which apply to the Credit Agreement | % will be added to the total amount of credit. This equates to an annual interest charge of 11.95%. This rate will apply throughout the duration of the Credit Agreement, unless we vary the rate of interest, which we may do as specified in the Credit Agreement, by giving you at least 7 days’ written notice of the new rate. |
Annual Percentage Rate of Charge (APR). This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers |
% (variable, representative) This is an example and has been calculated on the basis of the following assumptions:
|
Related costs | |
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Costs in the case of late payments | No charges will be applied for late or missed payments but interest will continue to apply on overdue unpaid amounts at the applicable interest rate until we receive payment, before and after judgment. |
Consequences of missing payments | Missing payments could have severe consequences. If you fail to make a payment or cancel a payment instruction in respect of any payments due under this agreement we may cancel the insurance policy and related products that the credit is being used to pay for. This would leave you without the protection of insurance cover. We may also take legal proceedings to recover what you owe which may mean you have to pay our costs and mean you have a court order against you. It could also make it harder for you to obtain credit in the future. |
Other important legal aspects | |
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Right of Withdrawal |
You have the right to withdraw from the Credit Agreement up to 14 days after the day on which the agreement
is made or you receive a copy of the agreement, whichever is later. To withdraw you must notify us that
you intend to do so by telephoning us on 03300 240 612, or writing to us at Covea Insurance plc, A&B Mill, Dean Clough, Halifax, HX3 5AX. |
Early repayment |
You have the right to repay this agreement early, at any time, in full or in part,
by giving notice to us at our postal address above or by telephoning us on 03300 240 612. |
Consultation with a Credit Reference Agency | If we decide not to proceed with this Credit Agreement on the basis of information from a credit reference agency we will, when informing you of the decision, inform you that it has been reached on the basis of information from a credit reference agency and of the particulars of that agency. |
Additional information in case of distance marketing of financial services a) Concerning the Lender |
|
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Registration Number | Firm Reference Number: 202277 |
The Supervisory Authority | The Financial Conduct Authority |
b) Concerning the Credit Agreement | |
The law applicable to the Credit Agreement and/or the competent court | The agreement will be subject to the law applying in that part of the United Kingdom where you reside. If there is any dispute, the law of England and Wales will apply. |
Language to be used in connection with your agreement | English. |
b) Concerning the Credit Agreement | |
Access to out-of-court complaint and redress mechanism |
If you have a complaint please call us on 03300 240 617 or write to us at Covea Insurance plc, A&B Mill, Dean Clough, Halifax, HX3 5AX. If we cannot resolve your complaint, and you are not a business customer, you have the right to complain to the Financial Ombudsman Service at Exchange Tower, London, E14 9SR, by calling 0800 023 4567 or through their website at www.financial-ombudsman.org.uk. |
To buy your policy, please view and agree to the above Pre-Contract Credit Information
Monthly Instalments
£
Deposit amount of | £ |
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11 monthly instalments of | £ |
Total charge for credit | £ |
Total amount payable | £ |
Representative APR | %* |
1 Single payment
£
Please follow the steps below to complete your quote:
Tick here if the policyholder and the cardholder are different. Please make sure you have the cardholder's permission before using this card.
Information |
Information |
Information |
Information |
Information |
Information |
Information |
We're sorry we can't find the details for your postcode. Please check you have entered the postcode correctly and try again. You can also enter your address details manually by clicking 'I want to enter my address'.
Total amount to pay £ due today includes a % credit card fee of £
Direct debit details
Service user number : 298890
Please confirm that the bank account you wish to use is in your name and that you are the only person required to authorise payments from the account.
We're unable to provide monthly instalments as a payment method where the policyholder is not the account holder. If you are unable to provide bank account details for the policyholder please change your payment method to opt to pay by 1 single payment.
Please pay John Lewis Finance Direct Debits from the account detailed in this instruction subject to the safeguards ensured by the Direct Debit Guarantee. I understand that this instruction may remain with John Lewis Finance and, if so, details will be passed electronically to my Bank/Building Society. Banks and Building Societies may not accept Direct Debit instructions for some types of accounts.
Your premium
The premium confirmed above is calculated based on current rates. Your premium may increase at renewal next year and subsequently thereafter.
This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
If there are any changes to the amount, date or frequency of your Direct Debit, COVEA INSURANCE PLC - JOHN LEWIS FINANCE CAR INSURANCE will notify you 5 working days in advance of your account being debited or as otherwise agreed. If you request COVEA INSURANCE PLC - JOHN LEWIS FINANCE CAR INSURANCE to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by COVEA INSURANCE PLC - JOHN LEWIS FINANCE CAR INSURANCE or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
- If you receive a refund you are not entitled to, you must pay it back when COVEA INSURANCE PLC - JOHN LEWIS FINANCE CAR INSURANCE asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.
Your Automatic Renewal Preference
If you toggle this selection, your policy will be automatically renewed next year, using the payment details you’ve provided. We’ll get in touch at least 21 days before your renewal date to confirm the price and cover details, and if you’re happy your cover will continue without you having to get in touch.
If you choose to opt in, you can opt out at any point online in the My Account area on our website, by calling us on 03300 240 612 or by emailing customerservice@car.johnlewisfinance.com.
By choosing to pay for your insurance in monthly amounts you will be entering into a credit agreement regulated by the Consumer Credit Act 1974. Failing to make payments under the credit agreement may result in your insurance being cancelled. This could result in an impaired credit rating which could restrict your future access to credit or it being available at an increased cost.
Full agreement details, including your rights to withdraw from the agreement are set out in the document below which should be read carefully.
Please read and agree to the following agreement:
Running account credit agreement
If you would like to ask any questions please contact us on 03300 240 612 or email us at help@johnlewisinsurance.co.uk.
Please only tick if you want to be legally bound by the terms of the running account credit agreement.
You have selected to pay by a debit card however the card details you have entered match a credit card. If you would like to pay with this credit card the new amount will be You have selected to pay by a credit card however the card details you have entered match a debit card. If you would like to pay with this debit card the new amount will be
Missing Card Holder Details Text
Your payment has not been successful. Please go back to the payment page to try again.
You have entered an invalid bank account. Please enter a valid bank account in order to proceed.
We can only accept valid UK cards, please enter a UK card in order to proceed.
Your session is about to expire, please click continue to continue with your purchase
Click here to see our list of FAQ’s
Click here to see our list of FAQ’s
Or call us on: 03300 240 614
Click here to see our list of FAQ’s
Click here to see our list of FAQ’s
Or call us on: 03300 240 614
We also want to make you aware that if you apply for a quote, checks with a credit reference agency will be carried out. The quotation search checks will not adversely affect your credit profile.
Click here to see our list of FAQ’s
Click here to see our list of FAQ’s
Or call us on: 03300 240 614
Click here to see our list of FAQ’s
Click here to see our list of FAQ’s
Or call us on: 03300 240 614
Quote reference:
Monthly Instalments
£
This includes your partner discount
Quote reference:
1 single payment
£
This includes your partner discount
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Your Car Your Details Your CoverOur cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.
Policy documents
View our policy documents for more information about what we cover.
These documents are relevant to all policies taken out after 5th December 2023. Visit the My Account area for your most up to date documents.
Click here to see our list of FAQ’s
Click here to see our list of FAQ’s
Or call us on: 03300 240 614
Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.
Policy documents
View our policy documents for more information about what we cover.
These documents are relevant to all policies taken out after 5th December 2023. Visit the My Account area for your most up to date documents.
Please note that we will contact you with further information about your quote via telephone and email.
Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.
Policy documents
View our policy documents for more information about what we cover.
These documents are relevant to all policies taken out after 5th December 2023. Visit the My Account area for your most up to date documents.