As one of the UK’s largest retailers, everyone knows the name Debenhams. With their own brand insurance cover, most people only want to know what the policy entails, how much it costs and whether or not the company hold to their end when claims are filed. Of course customer service is a must as well.
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As standard on their car insurance policies, Debenhams offers:
- Comprehensive or Third Party Fire & Theft
- Vehicle loss or damage – dependent on policy cover
- Medical expenses
- Foreign Travel – 90 days territorial limits apply
- Optional covers include:
- Discount for no claims
- Key care
- Legal expenses
- UK breakdown recovery
- Damage from wrong fuel cover
- Hire of replacement vehicle
- Breakdown recovery – Europe
Drivers can purchase cover online or via the phone and cover is effective immediately. Debenhams does offer an instalment plan and when providing a quote they will inform drivers after the quote is completed what the interest rates will be.
Although Debenhams is an own brand insurance product, it is administered by a company called Eldon Insurance Services Limited who are regulated by the FCA, Financial Conduct Authority. The policy itself is to be underwritten by an insurer panel.
Those planning to bring their car to the continent will find it useful to note that if you are a Debenhams insured UK resident driver and the vehicle is UK registered, the cover is valid within any member country of the European Union. Debenhams states that only the minimal required insurance will be provided which is typically Third Party. However, travel must be for domestic or social purposes only and not for business or the cover will not be valid.
Upon purchasing insurance, Debenhams requires you to submit copies of both the front and back of your driving licence as well as the counterpart. This is required for all drivers listed on the policy and they will accept scanned copies by email or via the post.
Being a brand that is widely recognised, there are customer reviews available around the web so you may want to see what others are saying who purchased Debenhams car insurance. The policy appears fairly straightforward with common cover and payment terms, now it’s just a matter of seeing what drivers think of their claims and customer service from their UK based call centre.