Review: Debenhams Car Insurance

David Woodfield By David Woodfield

In Summary

Debenhams’ approach to car insurance is to offer customers a standard policy. Cover is available at two levels, which can then be tailored with the addition of optional extras. Customer reviews are generally positive.

You can get a quote for car insurance from the Debenhams site.

Background to Debenhams car insurance

While many of you may be a Debenhams department store customer, you may not be aware that the retailer also includes a Debenhams Personal Finance branch that offers financial services products, such as home, pet, travel, wedding and car insurance.

Overview of car insurance cover provided by Debenhams

Debenhams offers two levels of cover: comprehensive and third party, fire and theft. Both policies include up to 90 days foreign travel within a select number of countries, while the comprehensive policy option includes up to £100 medical expenses.

Once you have selected a basic policy, customers then have the option to tailor your cover with a number of extra features – available at an additional cost. These include:

  • Legal expenses
  • Key care (in case you lose the keys to your car)
  • Protected no claims discount (to limit any premium hikes if you do make a claim)
  • UK and European breakdown recovery
  • Replacement vehicle hire (in the event of an accident or damage, if your original vehicle is being repaired at an approved garage)
  • Mis-fuel cover (in case you put in the wrong kind of fuel)

Get a quote from Debenhams.

How much does Debenhams insurance cost?

There is no set price for Debenhams’ car insurance – you will need to get a full quote in order to obtain accurate costs. This is because your premium will depend on a number of factors; the type of cover you select; any optional extras; the age, make and model of your vehicle; your location; your age; and your previous driving history. No claims bonuses, for example, often help to bring the price of your policy down.

While you may be tempted to select standard cover only, to keep your premium affordable, do remember that this can work out costlier in the long run, if you go on to suffer an accident or damage for which you are not covered.

Debenhams customers have the option to pay annually or in monthly direct debit installments, although there is an administration fee if you choose to pay monthly – which could mean you end up paying more over the course of the year than if you paid up front.

Get your own quote from Debenhams.

What do Debenhams car insurance customers say?

Customer review website has received generally positive feedback for Debenhams car insurance, with the product itself being awarded 88%, while the service customers have received is rated 79%.

Reviewers praise the clarity of its website and communication from staff, although one respondent expresses they would prefer UK call centres.

What do the experts say?

Debenhams has a range of car insurance policies with different providers, which span independent financial researcher Defaqto's 5 Star rating system.

Here are the best and worst policies: Debenhams' car insurance policy with AXA and private car policy with Aviva both have a 5 Star rating while its motor insurance policy with XS Direct has 1 Star.

A 5 Star policy is “an excellent product with a comprehensive range of features and benefits” and a 1 Star rating indicates “a basic product, with a low level of features and benefits”.

Defaqto Star ratings indicate where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

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