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In This Review
- Overall John Lewis Home Insurance Review
- John Lewis Home Policy and Coverage Options
John Lewis Home Insurance Review: What You Need to Know
John Lewis home insurance is a solid option from a reputable company. With three tiers of cover, you can choose a budget option ("Essential"), a mid-tier plan ("Plus") or their premium plan (aptly named "Premier"). The Premier plan not only offers higher limits (unlimited buildings and contents cover, subject to inner limits on certain things) but includes features like Accidental Damage, Garden Cover, Legal Expenses, Pedal Cycle, Personal Possessions outside of the home and Home Emergency Cover.
Regardless of the plan you choose, new customers can get a 20% discount when applying for a policy online—a savings of around £50 to £100 or more, depending on the plan, excess and your details.
Those interested in a buildings and contents policy should be aware that you can only buy NCD protection on the combined policy; that is, you can't split up NCD and buy it separately for buildings only or for contents only.
John Lewis home insurance is not ideal for making monthly payments instead of annual, since you'll be charged 21.1% APR to spread your premium payments over the year. Most people who can't pay an annual premium upfront would pay fewer interest charges by charging their insurance premium to a credit card, as the average credit card APR is less than 21.1% but this clearly depends on your individual situation. In fact, the representative APR on the Partnership Credit Card is only 18.9%.
Matching sets, suites and carpets are covered up to £10,000 on Plus and Premium plans, but not Essential. With this cover, John Lewis would pay for accompanying items to be replaced if one individual item of an original set (e.g., bathroom suite, three-piece suite or kitchen unit) is damaged. When it comes to carpets, if they can't repair a damaged section of carpet they'll replace the damaged section plus any attached carpet in the same area (say, up to a room divider or door).
John Lewis Home Insurance Key Facts
- Three plans to choose from: Essential, Plus and Premier
- Essential: up to £400,000 for buildings and up to £50,000 for contents
- Plus: up to £1,000,000 for buildings and up to £75,000 for contents
- Premier: unlimited cover for buildings and contents; includes Accidental Damage, Garden Cover, Legal Expenses, Pedal Cycle, Personal Possessions outside of the home and Home Emergency Cover
- 20% online discount for new customers
John Lewis Home Insurance Price Comparison
We found that John Lewis home insurance Essential and Plus plans run roughly 21% and 7% less expensive, respectively, than the market average for a similar excess. John Lewis' Premier plans run around 55% more expensive than average, but this is not a surprise as Premier plans include a host of features that can cost around £125 per year if they were added separately.
We gathered pricing data from the John Lewis website to give you a general idea of how John Lewis home insurance quotes compare to others in the market. For the purposes of this exercise, we quoted for a 30-year-old policyholder living in a mortgaged, 2-bedroom property in London, who had made no claims in the past few years. Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for educational purposes only; your quotes may reflect a large degree of variation. Additionally, insurance policies across different companies can be difficult to compare directly, as they can vary in terms of excess, cover amounts, etc.
John Lewis gives the option to choose an excess from £100 up to £500. A policy with a higher excess will have a lower premium, as you can see in the table above, because you're committing to pay more towards any valid claims. While a lower premium is certainly enticing, before signing up for a policy with a higher excess be sure you'd be equipped able to pay the excess in the event of a valid claim.
John Lewis Home (Buildings and Contents) Insurance Add-On Costs
Here are estimated costs of add-on extras for a mortgaged, owner-occupied, 2-bed property in London when you buy a John Lewis buildings & contents home insurance policy. It can be useful to have an idea of the approximate cost of these optional features when you're deciding what cover to buy.
|Estimated Costs of John Lewis Home Insurance Extras||Essential||Plus||Premier|
|Accidental Damage - Contents||£18||£13||included|
|Accidental Damage - Buildings||£43||£25||included|
|Home Emergency Cover||£33||£39||included|
|Personal Possessions Away From Home (£2k)||£15||£39||included up to £2,500|
|Personal Possessions Away From Home (£5k)||£41||£25||£24|
|Personal Possessions Away From Home (£10k)||£84||£54||£71|
|No Claims Discount Protection - Buildings & Contents||£35||£41||£66|
John Lewis Home Cover: Features
Depending on the tier you choose, John Lewis home insurance may include or offer as optional additional cover features like Personal Possessions (e.g., when they're away from home), Accidental Damage, Home Emergency, Pedal Cycle, Garden and Family Legal. Limits for each section can be found below in the Policies section. For more complete details like full exclusions, please see the policy documents.
|John Lewis Home Insurance Features||Notes|
|Home Emergency Cover|
|Pedal Cycle Cover|
John Lewis Home Insurance Notable Exclusions
Besides the usual exclusions like wear and tear, John Lewis home insurance exclusions include (but are not limited to) storm damage to fences or gates, mobile homes, frost damage, loss or damage if your home has been unoccupied for 60 days or more, damage by pets, subsidence (due to coastal or river erosion, settlement of newly made-up ground, faulty workmanship, etc.), etc.
A few exclusions stood out to us as particularly mentionable. You may want to keep them in mind if you go with John Lewis or as you're comparing different home insurance plans. It's always a good idea to read through the full list of exclusions in the policy documents as we've only mentioned some exclusions here and others may be more relevant to you.
- 1. Loss or damage by pets.
- 2. Contents cover doesn't include loss or damage during household removals to personal money, or fragile items like china, glass and pottery unless they were packed by professional packers.
- 3. Theft of unattended bicycles in a public place is excluded unless locked to an immovable object.
- 4. For policies including Personal Possessions cover, theft from a vehicle is only included if someone over 16+ years old was in the vehicle or the items were hidden from view in a locked boot or closed compartment and the vehicle was securely locked and force or violence was used to gain entry to the vehicle—note, the policy documents specify a "theft from vehicle" limit of £2k.
- 5. Those who leave their homes unoccupied for more than 60 days at a time won't have cover for malicious people or vandals, theft or attempted theft or freezing of water, water or oil escaping, accidental damage
John Lewis Buildings & Contents Insurance: What's Covered?
John Lewis home insurance protects against calamities such as fire, flood, storm, theft, escape of water, subsidence (depending on cause) and other similar causes.
|Buildings Cover||£400,000||£1 million||Unlimited|
|Buildings Accidental Damage||Option to include full Accidental Damage Cover including Trace and Access (£5,000)||Limited amount as standard; full Accidental Damage is Optional||Included|
|Contents Accidental Damage||Optional||Limited amount as standard; full Accidental Damage is Optional||Included|
|Valuables single article limit (unspecified items)||£3,000||£3,000||£3,000|
|Locks and keys||£500||£750||Unlimited|
|Personal Possessions (unspecified)||Optional (up to £10k)||Optional (up to £15k)||£2,500 (may increase up to £25k)|
|Matching Sets Cover||none||£10,000||Unlimited|
|Pedal Cycle Cover||Optional £2,500||Optional £5,000||Included £5,000|
|Garden Cover||Optional £5,000||Optional £5,000||Included £5,000|
|Home Emergency Cover||Optional £500||Optional £1,000||Included £1,500|
|Legal Cover||Optional £100,000||Optional £100,000||Included £100,000|
|Student Cover sum insured||Optional £5,000||Optional £5,000||Optional £5,000|