Insurance
Insurance products at John Lewis Money
All of our insurance products offer the service you’d expect from John Lewis Money, alongside a policy underwritten by our specially selected insurers.
Core insurance products
Pet Insurance
Up to £12,000 vet fees each year for each insured pet and 24/7 vet access with vetfone™.
The types of insurance we offer
We have a wide range of insurance products to cover your pets, car and home, including specialist insurance for high-value homes and contents.
Home
Specialist home insurance
Our specialist home insurance, brought to you by our specialist provider Covea Insurance, is suitable for large, listed or additional properties including accidental damage and protection for high-value art, jewellery, antiques and more.
Contents insurance
Cover the things you own inside your home with our contents cover.
Buildings insurance
Protect the physical structure of your home with our buildings insurance.
Optional Extensions & add-ons
You can tailor your contents and buildings insurance to suit your needs with a variety of optional extensions and add-ons.
Car
Electric & Hybrid Cars
John Lewis Money Car Insurance covers both electric and hybrid electric vehicles without needing specialist policies.
Extensions & add-ons
You can tailor your car insurance to suit your needs with a variety of optional extensions and add-ons.
Pet
Dog insurance
Our dog insurance has six different levels of vet-fee cover to choose from, as well as access to vetfone™ and a 5% multi-pet discount.
Cat insurance
Choose from six different levels of vet-fee cover, and get a 5% multi-pet discount and vetfone™ access with our cat insurance.
Lifetime cover
Our cat and dog insurance is available as a lifetime policy when you renew your policy with no break in cover, covering incidents and injuries from the time the policy is taken out. Terms, policy limits and exclusions apply.
vetfone™
Our pet insurance policies include vetfone™, so you’ll have 24/7 access to veterinary nurses for pet health advice.
Insurance explained
Have some questions about insurance? Our range of guides and articles may be able to answer them.
Are you underinsured?
Learn how to make sure you don’t underestimate how much your home and contents are worth.
Listed buildings
Discover more about the types of listed buildings we cover with our specialist insurance.
All Home guides & articles
See all our useful home insurance guides in one place.
What is a no claims bonus?
Learn about protected no claims bonus and what it means for car insurance.
Flea & tick prevention
Understand the difference between fleas and ticks and how to prevent them.
Why choose John Lewis Money for your insurance needs?
Defaqto 5-star rated home, car and pet insurance products¹
UK based customer service centres
Rated 4.4 on TrustPilot by our valued customers (all products, October 2025)
John Lewis Money - regulatory and legal information
John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc.
Home Insurance
Bronze / Silver / Gold insurance cover
John Lewis Money Home Insurance is a trading name of John Lewis Finance Limited. Registered in England and Wales company number 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Pay monthly option for your home insurance is under a contract with Premium Credit Limited (a company registered in England and Wales with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful.
Home Emergency and Home Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number: 103274) (FCA number 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
John Lewis plc is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking and registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England and Wales company number 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Covéa Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.
Pet Insurance
John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH.
John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.
Car Insurance
John Lewis Money Car Insurance is a trading name of John Lewis Finance Limited. Registered in England No. 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Car Breakdown cover is underwritten by RAC Motoring Services a company registered in England (company number: 01424399) (FCA number 310208) having its registered office at RAC House, Brockhurst Crescent, Walsall, WS5 4AW.
Motor Legal Protection and Guaranteed Replacement Vehicle cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number:103274) (FCA number: 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
Pay monthly option for your car insurance is under a contract with Premium Credit Limited (a company registered in England with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful. Click here for more information. Missed or late repayments may affect your credit rating and access to credit in the future.
John Lewis plc. is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking. registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England No. 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.