1. Insurance Products


Designed to meet the specific needs of the Lexus driver, our insurance products will protect your investment, keep your Lexus in immaculate condition and could save you money.


We have three types of Insurance Cover depending on what type of protection you would like for your Lexus. Explore our comprehensive Car Insurance to help you drive with confidence. If you want keep your Lexus in pristine condition and help with those minor dents that can happen as part of daily driving, then choose Lexus Minor Damage Protection. To cover the financial cost of your car if it is written off (declared a total loss), choose Total Loss Asset Protection, otherwise known as GAP Insurance.

Car Insurance

You’ve got the car, now get the cover. Insure your Vehicle with us and enjoy one of the most comprehensive levels of cover available. It’s so easy. Get an quote online today or call 0800 350 500.

Benefits of Lexus Car Insurance


Courtesy car whilst your vehicle is being repaired, (which will be a Lexus car such as an UX 250h or similar), and complimentary comprehensive cover for up to three days whilst driving in the EU.


We cover costs up to £500 for personal effects and £500 for medical expenses, along with unlimited cover for child seats.


Unlimited cover for original Lexus fitted audio and navigation equipment, and cover for loss of keys (including vehicle, house and office keys).

Our Promise To You

Uninsured Driver Promise

If you make a claim for an accident that is not your fault, and the driver of the car that hits you is not insured, you will not lose your No Claims Discount, or have to pay an excess.

Named Driver No Claims Discount

Named drivers on your policy can now earn their own Named Driver No Claims Discount which can be used when they take out their own policy with us.

Automatic Courtesy Car Cover

Insurance cover will be automatically transferred to any courtesy car provided by one of our approved repairers for the duration of the repair.

Contact Lexus Car Insurance

Quotes: 0800 1383 200
Claims Helpline: 0344 243 8905
Windscreen Claims: 0345 125 4071
Customer Services: 0345 040 0451

Lexus Key Protect Insurance
Claim Helpline: 01737 334451

Total Loss Asset Protection


Lexus Total Loss Asset Protection is a great way to protect your investment in the unfortunate event that your car is written off. It’s quick and straightforward to arrange and should you need to claim, could provide a valuable benefit to you.

What could happen if your car is written off?

If your car is written off as a result of an accident, fire or theft, your motor insurance company may only pay out the current market value for your vehicle.

The current market value is likely to be less than the amount you paid for the vehicle and if you have finance it could be less than any outstanding finance settlement. This could leave you with the problem of having to find extra funds to get you back into the driving seat of a new Lexus or pay off your finance agreement.

To protect you from this situation, if it arises, Lexus Financial Services can offer you Lexus Total Loss Asset Protection for up to 3 years' cover (36 months) plus additional cover for any finance shortfall after the initial term (up to 12 further months) to match the term of your finance agreement.

Lexus Total Loss Asset Protection helps you cover the shortfall in funds to cover the cost of a new Lexus or settle any outstanding finance, as well as a £300 contribution towards any incidental costs you might incur by way of a Total Loss Assistance Payment. ‡

What's included?
  • Up to 3 years' cover (36 months) plus additional cover for any finance shortfall after the initial term (up to 12 further months) to match the term of your finance agreement.
  • Vehicles with a Net Invoice Price* up to £100,000 with no maximum claim limit up to the Net Invoice Price* of your vehicle.
  • A payment of up to £250 as a contribution towards your Motor Insurance Excess≠
  • £300 Total Loss Assistance payment to help with any incidental expenses connected with your total loss‡.
  • Factory and Dealer fitted Accessories.
  • Finance Deposit Allowances (a discount offered by Lexus Financial Services on certain makes and models from time to time).
  • Unlimited mileage

For a full list of what is and is not covered, please refer to the policy wording. Some exclusions are listed below under the frequently asked questions section.

† The Net Invoice Price* the amount that you have paid for the vehicle itself, excluding non-dealer fitted options and extras such as the road fund licence, or negative equity.

‡ Total Loss Assistance is paid as part of your claim and only paid once during the term of the Lexus Total Loss Asset Protection policy.

≠ Motor Insurance Excess Contribution is the amount stated on your certificate of motor insurance up to a maximum of £250.

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Frequently asked questions

No. The owner of the vehicle can take out Total Loss Asset Protection and the vehicle will be covered when driven by other drivers as long as they hold a valid licence to drive the insured vehicle and are legally entitled to drive it.

Yes. The cover is for vehicles used principally in the UK but you are covered in any country that is a member of the European Union at the time of loss, plus Iceland, Liechtenstein, Norway, Croatia and Switzerland.

Yes, you can use your car for work provided it does not involve hire and reward.

Exclusions include but are not limited to, taxi, courier services and private hire. Pace making, racing, speed testing and reliability trials are also excluded.

As soon as possible after the incident resulting in your car being written off, you should contact the administrator of the policy, InsureThat on 0333 0444 702. They will take your details and manage the claim with you. You can also register a claim via their website at: https://lexus.insurethat.com

If your vehicle is declared a total loss within the period of cover and we authorise your claim (including if you are entitled to a replacement vehicle under your motor insurance policy), we will pay you £300 to help cover the extra expenditure associated with being without a vehicle.

This benefit is payable only once under this policy.

Dealer discounts, government grants and/or scrappage schemes; additional items that appear on the purchase invoice (e.g. paintwork protection, cherished number plate transfers, or fuel); New vehicle registration fees; Vehicle Excess Duty; Negative Equity; Modifications made to your vehicle during the period of cover.

For a full list of exclusions, please refer to your policy documentation.

If you sell your car before the end of the policy, and you’ve not made a claim, you can cancel the policy and obtain a pro-rata refund equivalent to the premium for the remaining term of the policy. The remainder of the policy is not transferable to your new car. The policy is not transferable to the new owner of your vehicle.

The start date will always be the date you take delivery of your new car. However, if you wrote your car off in the first year of ownership and received a replacement vehicle from your motor insurer, you could transfer your Total Loss Asset Protection policy to the replacement vehicle, subject to certain conditions.

In this event, you could claim for the product's Motor Insurance Excess Contribution and Total Loss Assistance benefits. Please note however that each of these benefits are only payable once during the policy term.

If your new car is written off within 12 months of purchase, and your motor insurer provides you a replacement vehicle rather than a monetary settlement, your policy can be transferred to the replacement vehicle subject to certain conditions. The policy cannot be transferred to another vehicle in any other circumstance.

You have up to 30 days from the delivery of your car to purchase the cover from your local Lexus Centre.

Lexus Minor Damage Protection 


There’s a reason why your Lexus looks immaculate. The hour upon hour of Takumi craftsmanship invested, including the fine art of wet-sanding by hand, to create the unmistakable Lexus mirror smooth finish. Naturally, we want to help you keep your Lexus looking that way. After all, every Lexus deserves to be cherished, and Lexus Minor Damage Protection is the intelligent way to help maintain its value– and your pride in its pristine condition.


Lexus Minor Damage Protection provides protection against those scratches, scrapes and dents that are all part of driving on today’s busy roads. Even someone opening a door in a car park can damage your pristine paintwork^. Is it worth losing your no-claims bonus for a small repair? Using exact paint matches and a sophisticated Lexus-approved process, an experienced Lexus Minor Damage Protection repair technician could come to your home or place of work and expertly repair small dents, scuffs and scrapes in vulnerable body areas. You also have the option to take you vehicle to one of our approved Lexus Minor Damage Protection Repair sites*. Using specialist tools and equipment, they’ll carefully repair small dents, scuffs and scrapes to help keep your Lexus’ bodywork in exceptional condition.

^All damages are subject to the necessary checks carried out by the technicians.

*Please note this service is not available in all areas and geographical limitations apply.

Which panels of my car are covered?

* Images are for illustration purposes only.
Please refer to the policy wording for a full list of what panels and damage types are and aren't covered and for full details of any limitations to cover.
  • Scratches, scuffs and dents up to 300mm in diameter and 3 mm deep.
  • Stone chips up to 5mm in diameter and 1.5mm deep.
  • Covers vulnerable panels including bumpers and front and rear valances.
  • Professionally repaired to immaculate standards.


Lexus Minor Damage Protection also offers a £250 body shop contribution in the event an eligible area of damage cannot be repaired at your chosen location using minor cosmetic damage repair technology.

For a full list of what is and is not covered, please refer to the policy wording. Some exclusions are listed below under the frequently asked questions section.

Watch our Minor Damage Protection Product Video:

Frequently asked questions

Each individual claim is limited to four individual areas of damage, with an aggregate limit of 20 damages over the term of your Lexus Minor Damage Protection policy.
Please refer to your policy wording for more information about any applicable excess on this product.
No. Lexus Minor Damage Protection is completely separate from your Motor Insurance Policy.

When you become aware of any minor damage, this must be reported within 30 days by contacting the Claims line on 0333 0444 702. The claims team will talk you through the simple steps to assess your claim and arrange your repair.

Alternatively, you can claim via the website lexus.insurethat.com

Only the vehicle detailed on the policy schedule is covered.

The policy covers damage to your car irrespective of the driver.

Yes, all repairs carried out by our approved repairers are guaranteed for the lifetime of the vehicle whilst it remains in your possession. Where we provide a body shop contribution, third-party repairs are not guaranteed under this policy. In this situation, you should check with your repairer what guarantees they provide.

Lexus Minor Damage Protection is underwritten by Aioi Nissay Dowa Insurance UK Limited. Aioi Nissay Dowa Insurance UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register number 816870. Aioi Nissay Dowa Insurance UK Limited is registered in England and Wales (Company Number: 11105895), registered office: 52-56 Leadenhall Street, London, EC3A 2BJ.

Lexus Minor Damage Protection is administered by Nukula Limited, trading as InsureThat which is authorised and regulated by the Financial Conduct Authority No. 616475. Nukula Limitet is registered in England and Wales (Company Number: 07646376), registered office: Sterling House, Sitka Drive, Shrewsbury Business Park, Shrewsbury, Shropshire, SY2 6LG.

You can cancel your policy in the first 30 days and receive a full refund, provided no successful claim has been made. If you cancel after the first 30 days you will be entitled to a pro rata refund provided you have not had a repair completed using the policy.

Damage of any kind to wheels, rims or tyres; any single claim where the total number of damages exceeds four or if the total number of damages exceeds 20 over the policy lifetime; any panel that is ripped, holed, torn or perforated; damage to beading, moulding, glass, lights or decals; any damage that occurred before the policy start date, and any damage other than a stone chip to the bonnet, boot lid or the roof.

For a full list of exclusions, please refer to the policy wording.

Yes, the remaining term of the policy can be transferred to an eligible replacement vehicle if you sell the original. We do not charge any administrations fees for transfers or cancellations.
Lexus Minor Damage Protection can be purchased from participating Lexus Centres when ordering a new or used vehicle. Cover cannot be purchased after you’ve taken delivery of your vehicle.