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John Lewis: Home Insurance reviews

Name: Home Insurance
Rating: 2.71 (65 reviews)

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2.26

Based on 65 reviews, last reviewed 23rd Aug 2024

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

34%

2 star

52%

Latest highest rating:

5

The unfrozen freezer.. My freezer stopped working twice in two years, with the loss of everything in it. The insurance company were very understanding and paid up immediate... Read more Reviewed on: 23rd August 2024

Latest lowest rating:

1

Shocking! The boiler “care” service is a disgrace and JL should cut all ties with their chosen 3rd party. To clarify JLP insist on partnering with a company cal... Read more Reviewed on: 21st June 2024

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About this product

Whether you’re looking to take out buildings insurance, contents insurance, or both, you want to be confident that the provider is reputable. Our John Lewis home insurance reviews can give you insight into what you can expect as a John Lewis policyholder.

With three levels of cover: Bronze, Silver and Gold, John Lewis has options to suit many. The provider even offers specialist policies to cover listed buildings, homes built before 1800 and high-value artwork and antiques. There are no additional fees for paying your premium monthly, and no admin fees if you need to modify your cover.

If John Lewis sounds like the perfect provider for your needs, read customer reviews to learn more. Our John Lewis home insurance reviews are written by genuine policyholders. Find out how satisfied they were with the level of cover they received. Learn about John Lewis’ customer service and whether policyholders would renew with the provider.

Have you had a home insurance policy with John Lewis? Share your experience with others. Did you take out buildings insurance, contents insurance, or both? Share what level of cover you chose, or whether you required a specialist policy. Did you take out any additional extras, and were they reasonably priced? Did you encounter any hidden fees? Did you need to make a claim on your policy, and if so, how well was it dealt with?

Whether good or bad, leave a John Lewis home insurance review on Smart Money People today. Together, we can help people like you make better decisions.

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John Lewis Home Insurance reviews (65)

Home is safe & secure!

New to John Lewis and so far it was the easiest to setup, communication with their team is incredible and very satisfied with the pricing & cover I have for my home. Reviewed on: 15th August 2022

Terrible customer service

Following accidental damage to a PC and being told it was irreparable we decided to claim on our home insurance - immediately passed to Royal Sun Alliance so no dealings with John Lewis - long wait for responses, constantly having to follow up on the claim ourselves, finally 4 weeks after initial contact they suggested a substandard replacement - it has taken them over a month to do this and it took me 5 minutes to find the current replacement model. Unnecessarily difficult to claim for the cost of the insurance and sub-standard provision of support Reviewed on: 9th August 2022

Terrible customer service and communication

I had to update my card details for the monthly home insurance payment. There is nowhere to do this online but I am glad as I then found out it was impossible to talk to anyone - tried phoning, callback, live chat, email. Nothing. I then complained and cancelled my policy. I did get a call back about this and the agent was untrained and unsure how to handle the call. Glad I found out before any claim had to be made. Reviewed on: 8th June 2022

Ultimate insurance scam: rack in premium deny claims

My laptop got a screen crack after being carried in my backpack. Because I couldn't tell which exact step broke the laptop the claim for accidental damaged got denied twice. The second I said by email that I had it fixed because I needed to use it, they said they agreed to have their experts to look at the damage to assess if it was accidental. Reviewed on: 20th May 2022

Did not care - did not get involved

All singing John Lewis Home Insurance. We were immediately passed on to the underwriters (Royal Sun Alliance) for 19 months of frustrating hell and John Lewis refused to discuss any of it or answer any questions as if it was nothing to do with them. They were still taking our money each month but they are NOT the actual insurers and John Lewis service and quality and honesty means nothing on their home insurance contract. Reviewed on: 2nd May 2022

Terrible claims service - inexperienced staff

Terrible service from John Lewis specialist home emergency cover. Left without heating and hot water for 5+ days John Lewis Engineer who visited said boiler was beyond economic repair over 15 years old and needed £1200+ of parts. Our independent engineer fixed boiler for £480 and advised the advice we were given was totally incorrect ! Boiler is not over 15 years old as there’s a factory sticker dating the day it left the factory which is much less than 15 years ago I’m so disappointed in this service - not what I expect for a £900 annual premium! Complaint acknowledged and been advised I’ll have a response within 8 weeks..... Reviewed on: 24th February 2022

It's outrageous that you are unable to cancel your subscription renewal online

It's ridiculous that they make it as hard as possible to cancel your renewal. After being on hold for 15 minutes, the call centre agent even confirmed that there is no way to cancel the policy online and you have to do it over the phone. If they're as scandalous with their claims as they are with their basic business practices, I would avoid. Reviewed on: 20th February 2022

'Premium' level buildngs home insurance is appalling

We have a relatively small claim for building damage to an untanked cellar. It has been 8 months and despite it being a simple new plasterdboard, skim and repaint job they have not managed to organise it. I am so glad we are not dealing with a huge claim for serious damage as they are incompetent and ineffectual as they are not really involved. They charge high fees using the JL brand but it is underwritten by RSA (Royal Sun Alliance) who subcontract their work to BVS ( Building validation solution) who subcontract their work to MA Assist who subcontract the work to whoever they can muster up in the world of cheap builders. Laughably the assessor claimed that just two of four walls of a cellar, filled like a swimming pool by a burst pipe , were damaged. The whole process has been ridled with incompetence like this. They are worthy of an investigation by the FSA and I wouldn't be surprised if they soon feature on the TV show that names and shames companies like this! Reviewed on: 19th November 2021

so far so good...

This is in part a comment on 2 recent reviews. Mike's experience below is known as "price walking". They've all been doing it. I've had the exact same experience with Direct Line. Switched to John Lewis just today. Better policy for less than half the renewal quote. Let's hope that the FCA's long-awaited new rules stop penalising loyalty... As to Stefan Phillips's lament about the policy wording for theft - whoever you talked to didn't know what they were talking about. Nobody's home insurance works like that. Just to be sure, I asked the question today. It turns out that JL's theft coverage is just like everybody else's. They all specify that the house should not be unoccupied for more than x consecutive days. Typically 30 or 60 days. Unless your grocery shopping trips take longer than the x days, you should be fine. Reviewed on: 11th September 2021

Do not renew your home insurance with John Lewis

We have been with John Lewis home insurance for the past 4 years, we received our renewal quote of £722.04. This showed an increase on the previous year. We made an enquiry on a comparison site and received exactly the same cover with a lower excess figure for £298.32 this was with Nationwide Building Society. We then discovered the policy was underwritten by RSA which is the same company that under wrote the John Lewis policy. Moreover paying by monthly direct debit incurs zero interest with Nationwide and 21.1% interest with John Lewis. My summary is: A massive rip-off don't use John Lewis for home insurance. Reviewed on: 26th July 2021

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