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John Lewis Finance Car Insurance
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.
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Important information
-
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
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.
No Claims bonus protection
We're sorry...
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.
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
We can only offer no claims bonus protection if:
- You’re over the age of 21
- You have more than 4 years no claims bonus
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 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 At the start of this policy you have 4 years no claims bonus
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 At the start of this policy you have 5 years no claims bonus
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 At the start of this policy you have 6 years no claims bonus
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 At the start of this policy you have 7 years no claims bonus
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 At the start of this policy you have 8 years no claims bonus
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 At the start of this policy you have 9 years no claims bonus
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 At the start of this policy you have 10 years no claims bonus
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 At the start of this policy you have 11 years no claims bonus
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 At the start of this policy you have 12 years no claims bonus
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 At the start of this policy you have 13 years no claims bonus
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 At the start of this policy you have 14 years no claims bonus
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 At the start of this policy you have 15 years no claims bonus
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 At the start of this policy you have 16 years no claims bonus
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 At the start of this policy you have 17 years no claims bonus
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 At the start of this policy you have 18 years no claims bonus
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 At the start of this policy you have 19 years no claims bonus
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 At the start of this policy you have 20 or more years no claims bonus
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
Please follow the steps below to complete your quote:
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
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
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
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
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
More Information
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 Your policy documents
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.
Would you like your documents delivered to your door?
Or, if you prefer, you can access these from the ‘My Account’ area for free!
Total annual price £15.00
£per month
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 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
- Policy Document
- Insurance Product Information Document - Roadside Cover
- Insurance Product Information Document - Roadside & Recovery Cover
- Insurance Product Information Document - Roadside, Recovery & At Home Cover
- Insurance Product Information Document - Roadside, Recovery, At Home and European Motoring Assistance 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
- Policy Document
- Insurance Product Information Document - Roadside Cover
- Insurance Product Information Document - Roadside & Recovery Cover
- Insurance Product Information Document - Roadside, Recovery & At Home Cover
- Insurance Product Information Document - Roadside, Recovery, At Home and European Motoring Assistance Cover
Motor Legal Protection Cover
Credit Information
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’.
Save Your Quote
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PRE-CONTRACT
CREDIT INFORMATION
| 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 | |
|---|---|
| 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 | |
|---|---|
| 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 |
|
|---|---|
| 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
Payment Details
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:
-
Pay DepositPay in full
Tick here if the policyholder and the cardholder are different. Please make sure you have the cardholder's permission before using this card.
Please enter a first namePlease enter a last nameYour address
Information Information Please enter either a house/building name or house/building numberInformation Please enter either a house/building name or house/building numberInformation Please enter your street nameInformation Information Information Your address is...
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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 £
Yes No -
Card details
Payment information
-
Set up Direct Debit
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 enter the account holder's namePlease enter the sort code for this accountPlease enter the account numberYour first instalment of £ will be taken on or around the above date.Please select the day of the month you would like to pay your instalmentsPlease 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.
- - -
Important Information
Your premium
The premium confirmed above is calculated based on current rates. Your premium may increase at renewal next year and subsequently thereafter.
Direct Debit Guarantee
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.
Auto Renew My Policy: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.
Credit Agreement
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.
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Help, I'm stuck!
Click here to see our list of FAQ’s
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Or call us on: 03300 240 614
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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
Credit check
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.
Help, I'm stuck!
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
Help, I'm stuck!
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
Your quote summary
Your car details
- Car:
- Registration:
Your details
- Driver:
- D.O.B.:
- Address:
Your quote summary
Quote reference:
Monthly Instalments
£
This includes your partner discount
- £
- Deposit amount of
- £
- 11 Monthly Instalments of
- £
- Total amount of credit
-
£
- Total amount payable
- £
- Cash price
- £
- Total charge for credit
- £
- Fixed interest rate
- %
- Representative APR
- %*
- Agreement Term
- 12 months
Quote reference:
1 single payment
£
This includes your partner discount
- £
- Credit card fee:
- £
There's still time to edit and check your details…
Your Car Your Details Your CoverGreat Cover
Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.
Safe and Secure
We have a number of checks to ensure we're only offering cover to honest customers, so we can maintain low premiums
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.
Help, I'm stuck!
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
Great Cover
Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.
Safe and Secure
We have a number of checks to ensure we're only offering cover to honest customers, so we can maintain low premiums
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.
Your quote details
Please note that we will contact you with further information about your quote via telephone and email.
Great Cover
Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits.
Safe and Secure
We have a number of checks to ensure we're only offering cover to honest customers, so we can maintain low premiums
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.