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Debenhams car insurance

A guide to Debenhams car insurance and how it can help you find the cheapest quote

How good is Debenhams car insurance?

Defaqto rating: 5/5 stars

Independent financial products reviewer Defaqto has given Debenhams car insurance a 5-star rating.

Note: Not all Defaqto five-star rated products have the same covers and terms.

Trustpilot rating: 4/5 stars

Trustpilot, has given Debenhams car insurance four out of five stars and a rating of great, based on more than 850,000 reviews.

About Debenhams insurance

Debenhams car insurance is part of Debenhams Personal Finance. Debenhams Personal Finance is owned by the high street retailer Debenhams.

About Debenhams

Debenhams is over 200 years old. 

  • 1778 - William Clark established a drapers store at 44 Wigmore Street in London's West End selling expensive fabrics, bonnets, gloves and parasols. 

  • 1813 - William Debenham invested in the firm 

  • 1818 - the first store outside London was opened 

  • 1851 - it was renamed Debenham & Freebody. 

  • 1905 - Debenhams Ltd came into existence

  • 1919 - the business merged with Marshall & Snellgrove 

  • 1920 - Debenhams bought Knightsbridge retailer Harvey Nichols. 

  • 1928 it became a public company 

Debenhams has around 130 UK stores and also owns the leading department store retailer in Denmark, Magasin du Nord, which operates seven stores and a leading Danish website. Debenhams website is one of the 10th largest online retailers in the UK. 

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About Debenhams Personal Finance

Debenhams Personal Finance also offers a Mastercard credit card through New Day, travel money and other types of insurance including gadget insurance, travel insurance, wedding insurance and pet insurance.

Is Debenhams an insurer?

Debenhams doesn’t offer its own insurance. It is an appointed representative of Somerset Bridge Insurance Services Limited. Somerset Bridge, known as Eldon Insurance until December 2019, is itself a broker. Somerset Bridge Insurance works with car insurance providers rather than providing its own insurance. 

About insurance brokers

Through Somerset Bridge, Debenhams car insurance works with several insurance providers in order to check and compare car insurance quotes.

  • Debenhams can source cheaper quotes from a panel of insurance providers 

  • Debenhams doesn’t make recommendations or give advice

  • it receives commission paid by the insurer and a fee paid by you

  • the total price you pay is made up of the insurer's premium plus Debenham’s fee

  • as with all insurance you also pay Insurance Premium Tax (IPT) 

Is Debenhams still selling car insurance?

Debenhams, the parent company, entered administration in April 2020. Geoff Rowley and Alastair Massey of FRP Advisory were appointed joint administrators of Debenhams Retail Limited and Debenhams Properties Limited on 09 April 2020. 

  • This means that while Debenhams is insolvent it has breathing space to pay its creditors while a potential buyer is found.

  • Debenhams Personal Finance continues to offer the same services to customers as its policies are with insurance companies that are not in administration.

Does Debenhams offer its customers better deals on car insurance?

Debenhams Personal Finance offers all Debenhams cardholders - those with its credit cards - 10% off all its services.

Debenhams car insurance policies

Debenhams provides three types of cover:

  • Fully comprehensive

  • Third party, fire and theft 

  • Third party

Debenhams does not offer short-term car insurance.

Looking for temporary car insurance? Short term insurance cover includes:

  • cover from 1 to 28 days without putting the no-claims bonus at risk.

  • lending a car to a friend, colleague or relative.

  • borrowing a car from a friend, colleague or relative

  • drive-away insurance if you've just bought a car

  • unaccompanied vehicle demonstrations or use of courtesy cars

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Debenhams doesn’t offer multi car insurance.

If you have multiple cars to insure in your household taking out a multi-car insurance policy can help reduce your insurance costs: 

  • if you own more than one car

  • if you’re a family with more than one driver

  • if you’re a couple with more than one vehicle

Debenhams standard car insurance cover

Up to 10% off for Debenhams Cardholders, customers who hold a Debenhams Mastercard credit card, membership includes a reward scheme. Debenhams also offers the following benefits to holders of fully comprehensive policies.

Debenhams car insurance will cover medical expenses up to £100 (with comprehensive cover).

Debenhams car insurance comprehensive cover includes 90 days foreign travel, conditions apply.

After an accident covered by your policy (as long as your car is being repaired by an approved repairer).

  • Debenhams car insurance will provide you with a courtesy car while the repairs are being carried out, subject to availability, and terms and conditions apply.

  • The courtesy car applies to comprehensive cover for accidental damage claims and third party, fire & theft for fire and theft claims where damage is repairable.


Debenhams additional car insurance cover options

  • No claims discount protection

  • Legal expenses

  • Key care, cover for lost or stolen keys

  • Mis-fuel cover

  • RAC Roadside & Recovery

  • RAC Full UK Breakdown Cover

  • RAC Full UK & EU Breakdown Cover

  • Replacement vehicle hire


What is Debenhams car insurance best for?

  • discounts for Debenhams credit card customers

  • no frills car insurance with the option to buy breakdown cover

  • access to a panel of specialist insurers

Debenhams in the news

Debenhams, the parent company, entered administration in April 2020. Geoff Rowley and Alastair Massey of FRP Advisory were appointed joint administrators of Debenhams Retail Limited and Debenhams Properties Limited on 09 April 2020. 

This means that while Debenhams is insolvent it has breathing space to pay its creditors while a potential buyer is found.

Debenhams Personal Finance continues to offer the same services to customers as its policies are with insurance companies that are not in administration.

Get a car insurance quote

See a range of car insurance quotes in just a few minutes when you compare with Uswitch