John Lewis Home Insurance

Transcription

1 John Lewis Home Insurance PRICE PROMISE Quality home insurance shouldn t have to cost you more. That s why we re offering new customers a Price Promise when you buy John Lewis Home Insurance. If we don t beat your current insurer s renewal price, we ll refund you the difference up to 100. * What do I need to do? 1 Get a John Lewis Home Insurance quote online or over the phone. 2 Compare your existing cover and excess with ours to make sure you re comparing similar policies. The guide below shows the details you need to compare. 3 Confirm you accept the terms and conditions and meet the eligibility criteria for this offer (listed below). 4 If you re happy with all of the above, buy our Home Insurance and send us proof of your renewal quote by post or . 5 Once we ve validated your proof and confirmed your eligibility, we ll refund you the difference up to a maximum of 100. Please note: You ll receive your refund within 21 days of receipt of your renewal proof and your policy starting. If you pay monthly, you ll be credited after the first monthly payment has been collected. The refund will be credited directly to your credit/debit card or bank account depending on the method of payment you ve chosen.

2 Eligibility, terms and conditions * Eligibility and terms and conditions: You must have been claims free for the last 12 months. We will beat your current insurers renewal by 1. If we don t beat your current insurers price, we ll refund the difference up to 100. Standard Policy eligibility criteria apply. Equivalent cover and minimum premiums apply. Renewal proof required within 28 days and is non returnable. New customers only. Offer may be withdrawn at anytime. Cover level can be upgraded after Price Promise completed. Offer calculated on Annual Premium before APR applied. One payment per household. We reserve the right to re-claim any refund given, if your policy is cancelled within three months of the start date. Refunds will be credited to your account within 21 days of receipt of your renewal notice and your policy cover starting. Monthly payers will be credited after their first monthly payment has been collected. Price Promise only applies to Essential, Plus and Premier cover levels. Specialist Home Cover is excluded from Price Promise. Guide to comparing policies To compare your cover you ll need to know: 1. Your current cover and sums insured for buildings and contents. 2. If you have optional covers like: Accidental Damage Cover, Personal Possessions Cover, Legal Expenses, Home Emergency Cover, Garden Cover, Pedal Cycles and Protected No Claims Discount. 3. Your current policy excess (voluntary and compulsory). How to compare To help you compare your current cover with the three John Lewis Home Insurance cover, please refer to the Comparison Table. It shows the limits across the three cover levels and where cover is included as standard or is an option. You need to match to the complete product that suits your needs. For example, if you have some details that match to Essential Cover and some to Plus Cover, you should compare against Plus Cover.

3 Comparison Table John Lewis Home Insurance Covers Enter your current cover below Essential Cover Plus Cover Premier Cover Buildings Cover Up to 400,000 Up to 1,000,000 Unlimited Write your limit Contents Cover Up to 50,000 Up to 75,000 Unlimited Write your limit Additional Cover(s) Buildings Accidental Damage Cover None included. Option to add Full cover Standard included. to Full cover Full cover included Does your current policy include Buildings Accidental Damage Cover as an add on? Yes / No Contents Accidental Damage Cover None included. Option to add Full cover Standard included. to Full cover Full cover included Does your current policy include Contents Accidental Damage Cover as an add on? Yes / No Unspecified Personal Possessions Cover Optional Optional 2,500 unspecified Personal Possessions included. Write your limit Legal Expenses Optional Optional Included Included / Not included Home Emergency Cover Optional Optional Included Included / Not included Garden Cover Optional Optional Included Included / Not included Unspecified Pedal Cycle Cover Protected No Claims Discount Optional Optional Included Included / Not included Optional Optional Optional Included / Not included

4 Excess Lastly, you need to match your current total policy excess in the table below (voluntary plus compulsory). Calculation Make sure you ve checked which John Lewis Cover level is comparable and that you re comparing the same optional covers and excess. Your current excess (voluntary plus compulsory): John Lewis policy excess needs to be: Then you ll be able to use your John Lewis Home Insurance quote to see what the price difference is between our price and your current insurers renewal price If our insurance costs more than your current renewal we ll beat that price by 1, refunding you the difference up to 100. * If your current renewal price is more than the John Lewis equivalent then we ve beaten your renewal and you won t receive any cash back. The table below provides some examples of the refund you can expect if your cover is comparable: one two three Current renewal premium John Lewis premium More than 550 Not eligible for this offer Refund amount

5 How to claim your refund Send your current insurer s renewal notice along with your new John Lewis policy number to us within 28 days to the following address: John Lewis Home Insurance Centre PO BOX Birmingham B3 2ZX Or, your renewal documents to enquiries@johnlewis-homeinsurance.com Please include Price Promise in the subject line and your John Lewis policy number.