John Lewis car insurance - any experience of out there?

Christopher7

if you go with VW Insurance, you can be confident that in the unfortunate event of having to make a claim, it will be repaired by a Volkswagen approved repairer and they will use genuine Volkswagen parts, this won't be guaranteed if you went with NFU or John Lewis.

Blue_Parrot

Quentin wrote: »

Just pointing out they are in a different league, and aiming at a different market. The no admin fee was just an example of how they are different, they will never be first on the list if cheapest is the way insurers are ranked!

I'm not in the market for the cheapest insurance, I'm in the market for an insurer with good reviews, reasonable quotation, no overseas call centre, and a good policy with no expensive add-ons which other insurers provide as standard.

I'd have thought that John Lewis were aiming to attract the customer-profile base which they already have - middle class, not poor, discerning, etc. That's why their particular policy is so interesting - especially since I cannot find any poor reviews of their insurance; but can find dozens of disgruntled NFU insurees on any internet search.

IMO.

Blue_Parrot

olly300 wrote: »

I didn't claim either until some woman decided to go into the back of me and I needed a car to get to work.

Point is you don't know when someone will damage your car and it's best to choose an insurer who is known not to give you grief or cr*p information about sorting out your repairs.

I've never claimed on any insurance policy in my life, and I completely agree with you wrt car insurance, olly.

Quentin

Blue_Parrot wrote: »

...I'd have thought that John Lewis were aiming to attract the customer-profile base which they already have - middle class, not poor, discerning, etc. That's why their particular policy is so interesting - especially since I cannot find any poor reviews of their insurance; but can find dozens of disgruntled NFU insurees on any internet search.....

But their insurance isn't really by "John Lewis" - just as M+S insurance isn't provided by M + S (other big names also sell their name to wrap round insurance - RAC/AA etc)

Look up reviews on Ageas/Fortis who are the insurer behind the JL name, and you'll find the usual poor reviews from disgruntled customers.

eg http://www.reviewcentre.com/reviews88576.html

PDAH

I didn't claim either until some woman decided to go into the back of me and I
needed a car to get to work.Point is you don't know when someone will damage
your car and it's best to choose an insurer who is known not to give you grief
or cr*p information about sorting out your repairs

True....but what price do you put on researched information? There is a low % chance of an accident but 100% you have to pay your premium! If you feel confident you can keep the insurer in check you would go for cheapest that year.

Blue_Parrot

Quentin wrote: »

But their insurance isn't really by "John Lewis" - just as M+S insurance isn't provided by M + S (other big names also sell their name to wrap round insurance - RAC/AA etc)

Look up reviews on Ageas/Fortis who are the insurer behind the JL name, and you'll find the usual poor reviews from disgruntled customers.

eg http://www.reviewcentre.com/reviews88576.html

In this case, it wouldn't be Ageas, as posted in this thread:

Blue_Parrot wrote: »

Thanks annie, closer inspection reveals that that John Lewis policy would be underwritten by Highway. (and that Ageas are brokers, not insurers per se.)

Also, John Lewis use 5 different insurers and now it seems, (at least) one broker, as follows:

Ageas <---a broker
AXA
Chaucer
Highway
Provident
Sabre.

The one who picked up my request for a quote turns out to be Highway.

It also occurs to me that my contract - should I make one - is with John Lewis, not their affiliate or whatever the correct term is. It says so quite clearly when you request a quote. Indeed, it warns you that you are entering a legally-binding contract with John Lewis.

..................

Blue_Parrot

Here's the page showing their insurers:

https://www.johnlewis-insurance.com/homepage/car-insurance/tips-and-advice/our-providers.html

And this is what it says on the Ageas website:

http://www.ageas.co.uk/how-to-buy/

Ageas insurance sells policies to consumers through brokers (agents) that operate across the UK.

.............

mikey72

Blue_Parrot wrote: »

In this case, it wouldn't be Ageas, as posted in this thread:



Also, John Lewis use 5 different insurers and now it seems, (at least) one broker, as follows:

Ageas <---a broker
AXA
Chaucer
Highway
Provident
Sabre.

The one who picked up my request for a quote turns out to be Highway.

It also occurs to me that my contract - should I make one - is with John Lewis, not their affiliate or whatever the correct term is. It says so quite clearly when you request a quote. Indeed, it warns you that you are entering a legally-binding contract with John Lewis.

..................

That means they add a charge on as well. Take Axa, John Lewis can sell you an Axa policy. Axa can sell you one online, without John Lewis' fees.

dwsjarcmcd

Ageas are not a broker, they are an insurer.

Blue_Parrot

mikey72 wrote: »

That means they add a charge on as well. Take Axa, John Lewis can sell you an Axa policy. Axa can sell you one online, without John Lewis' fees.

mikey, no-go. Axa's on-line quotation will not insure any car which you don't own personally. i.e., they don't insure contract-hire cars.