16/12/2007
John Lewis Car Insurance: Driving Abroad Explained
Embarking on a road trip across Europe is an exciting prospect, but ensuring your car insurance policy is up to scratch for international travel is paramount. Many drivers consider John Lewis Finance for their car insurance needs, drawn by its reputation and comprehensive offerings. However, a common question arises: does John Lewis car insurance cover you when driving abroad? This article delves into the specifics, clarifying the extent of European cover, necessary documentation, and other vital aspects of their policies for international motoring.
European Cover with John Lewis Finance
For those who love to travel, John Lewis Finance car insurance might be a compelling choice. Their policies can offer up to 180 days of European cover each year, a generous allowance that surpasses that of many other insurers. This means that for a significant portion of the year, you can enjoy the freedom of the open road across the continent with the confidence that your vehicle is protected.
It's important to note that the exact duration and terms of your European cover will be detailed within your specific policy documents. Therefore, before you set off on your continental adventure, it is crucial to thoroughly review your policy details to confirm the exact number of days you are covered for and any specific conditions that may apply.
The Importance of the Green Card
Following the UK's departure from the European Union, driving in EU countries with a UK-registered vehicle has introduced new requirements. The Association of British Insurers (ABI) and the Motor Insurance Bureau (MIB) advise that drivers should be prepared to carry a Green Card when driving in the EU. This document serves as proof of your motor insurance cover.
If your planned trip to the EU finishes before 31st December 2020, your existing car insurance policy would have covered you within the EU without the need for a Green Card. However, for any travel planned after this date, a Green Card becomes essential. John Lewis Finance states that if you are planning to drive in the EU after 31st December 2020, you must inform them at least a month before your departure date. This allows them sufficient time to issue you with the necessary Green Card. Importantly, John Lewis Finance does not charge any fee for issuing a Green Card.
It is your responsibility to ensure you have obtained and are carrying your Green Card when travelling in the EU. Failure to do so could result in issues at border crossings or if you are stopped by authorities.
Policy Types and What They Cover
John Lewis Finance primarily offers comprehensive car insurance to new customers. This is the highest level of cover available and typically includes:
- Liability to other people
- Fire and theft protection
- Accidental damage to your vehicle
- Windscreen cover
- Cover for unlimited audio or sat nav equipment (if fitted by the manufacturer)
- Replacement locks
- Personal accident cover
- Medical expenses
- Misfuelling cover
- Vehicle ID theft cover
- Emergency journey cover (up to £100 in taxi or train fares)
While new customers are directed towards comprehensive cover, existing customers may still hold Third Party or Third Party, Fire and Theft policies. For clarity, here's a breakdown:
| Cover Benefit | Third Party | Third Party, Fire & Theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | ✓ | ✓ | |
| Accidental damage | ✓ | ||
| EU travel up to 180 days | ✓ | ✓ | ✓ |
| Courtesy car up to 30 days | ✓ | ✓ | ✓ |
| Windscreen cover | ✓ |
It's important to remember that the European cover of up to 180 days is a feature of their comprehensive policies. Always check your policy wording to confirm what level of cover you have and if it extends to European travel.
Driving Someone Else's Car Abroad
The information provided also touches upon driving other cars. Some policies may include a 'Driving Other Cars' clause, which, in emergency situations, allows you to drive a friend's or family member's car, provided you have your own insurance. However, this cover is typically Third Party only, meaning it only covers damage to the other vehicle or injury to third parties, not damage to the car you're driving or your own injuries.
John Lewis Finance may offer this clause on some policies, but eligibility needs to be confirmed by speaking directly with them. If this clause is included, the specifics will be detailed in your policy documents. For regular use of another vehicle, it's always recommended to be added as a named driver to that car's insurance policy.
Additional Benefits and Optional Extras
John Lewis Finance car insurance often comes with valuable standard benefits, such as:
- Courtesy car as standard (up to 30 days).
- An uninsured driver promise.
- New car replacement if your car is less than 12 months old and is written off or stolen.
Optional extras can further enhance your cover, potentially including:
- Legal protection (up to £100,000).
- UK breakdown cover (available in 4 levels).
Making a Claim and Policy Details
Should you need to make a claim while abroad or in the UK, John Lewis Finance provides a 24-hour claims line (0330 024 0613). For windscreen claims specifically, a separate number is available (0330 024 0615).
When making a claim, be prepared to provide essential information, including details of other drivers, vehicles involved, the circumstances of the incident, any injuries or damage, witness details, and photographic or video evidence if available. It's critical to notify your insurer of any incident, even if it's not your fault, within 48 hours to avoid potential claim rejection.
Your policy excess, which is the amount you contribute towards a claim, will be detailed in your policy documents. This can include a compulsory excess (set by the insurer) and a voluntary excess (chosen by you), which can help reduce your premium.
Customer Reviews and Regulation
John Lewis Finance generally receives positive customer feedback. On Trustpilot, the company holds a 'Great' rating with a score of 4.2 out of 5 from a substantial number of reviews. The car insurance product itself boasts a 5-star Defaqto rating, indicating a high level of quality and service.
John Lewis Finance is a trading name of John Lewis plc, which is authorised and regulated by the Financial Conduct Authority (FCA). This ensures that they operate under strict regulatory guidelines, providing a level of trust and security for their customers.
Frequently Asked Questions
Q1: Can I get John Lewis car insurance that starts immediately?
Yes, John Lewis Finance can provide car insurance cover that starts instantly if you wish.
Q2: How long is a John Lewis Finance car insurance quote valid for?
A quote from John Lewis Finance is typically valid for 30 days.
Q3: Can I pay for my John Lewis car insurance in monthly instalments?
Yes, John Lewis Finance offers policies that can be paid either in full or via monthly direct debit payments.
Q4: How do I check my John Lewis Finance car insurance expiry date?
Your policy expiry date and other details can be accessed by logging into the customer portal on the John Lewis Finance website.
Q5: Does John Lewis car insurance cover driving abroad?
Yes, John Lewis Finance comprehensive car insurance policies can provide cover in Europe for up to 180 days per year. Remember to check your policy documents for exact details and to obtain a Green Card if travelling after 31st December 2020.
Conclusion
John Lewis Finance appears to offer a robust car insurance product with significant European travel benefits, including up to 180 days of cover. However, the crucial requirement of a Green Card for travel after the Brexit transition period cannot be overlooked. By understanding your policy's specifics and adhering to the necessary documentation requirements, you can ensure a smooth and protected driving experience across the continent.
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