Sainsbury’s car insurance review

Our verdict

Our verdict

Sainsbury's Bank's comprehensive policy has some nifty extras that you might expect from a supermarket brand, such as a discount for Nectar members and up to £200 of cover for your weekly shopping.

Its more standard features include cover for driving in Europe, replacement child car seats after an accident, a no-claims discount and new car cover.

If Sainsbury's Bank isn't for you, compare other policies until you find what you're looking for.

Pros

• Comprehensive policies offer the use of a courtesy car if yours is being repaired
• Covers you to drive in Europe
• Offers policies that allow you to drive other cars

Cons

• Customer reviews are a mixed bag
• Website isn't the easiest to navigate

Sainsbury’s Bank offers comprehensive and third party, fire and theft car insurance, with the ability to add optional extras to tailor the insurance policy to suit your needs.

Compare Sainsbury’s Bank car insurance policies

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Courtesy car cover	New car replacement	EU cover	Personal accident cover	Multi-car discount
Sainsbury Third party, fire and theft				No		More info Compare product selection Compare	loading
Sainsbury's Comprehensive				Yes		More info Compare product selection Compare	loading

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Who is Sainsbury’s Bank Car insurance?

Sainsbury’s was the first major supermarket to open a bank in the UK in 1997. Since then it has grown to provide a range of consumer finance products, including car insurance.

Who underwrites Sainsbury’s Bank Car insurance?

Sainsbury’s Bank car insurance is underwritten by a panel of insurers.

What’s covered under my policy?

Optional extras

Whether you choose comprehensive and third party, fire and theft cover, Sainsbury’s offer a range of add-on features to your policy to suit your particular needs. These include:

• RAC breakdown cover
• Motor legal protection
• Guaranteed courtesy car
• No-claims discount protection
• Key cover
• Windscreen cover

What are Sainsbury’s Bank’s different policies?

• Third party, fire and theft Standard

  This covers for third-party claims, fire and theft, but nothing else.

• Third party, fire and theft Plus

  Get cover for everything the Standard policy has, with breakdown cover and motor legal protection cover on top.

• Comprehensive Essentials

  Essentials has cover for loss or damage, a courtesy car, driving other cars, liability to other people, driving in Europe, replacement child car seats, medical expenses and protection against uninsured drivers. It has personal accident cover up to £2,500.

• Comprehensive Standard

  Standard covers everything in Essentials, as well as loss of keys, audio equipment, damage to your windscreen, driving other cars and personal belongings. Personal accident cover is up to £10,000.

• Comprehensive Plus

  The top-of-the-range policy covers everything in Standard and includes breakdown cover and motor legal protection cover. Personal accident cover is up to £10,000.

How do I make a claim?

To make a claim you need to call 0344 600 9021.

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which may lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

Sainsbury’s Bank car insurance customer reviews

As of May 2024, on reviews site Truspilot, Sainsbury’s Bank (not just the car insurance) has a rating of 4.1 out of 5 from over 14,000 reviews, giving it a “Great” rating. That is in contrast to Reviews.io, which gives Sainsbury’s Bank a rating of 1.8 stars out of 5 from over 360 reviews. Only 18% of customers recommend it there.

How to cancel Sainsbury’s Bank car insurance

You can cancel your policy online or call 0345 266 1602. If you’re within 30 days of your renewal date you won’t be able to do it online so you’ll need to call Sainsbury’s.

Frequently asked questions

• Can I get insurance that starts immediately?

  Yes, it just needs to be within 30 days of the date you accept your quote.

• Can I pay for my car insurance in monthly instalments?

  Yes, you can pay monthly.

• When was Sainbury's founded?

  Sainbury’s was founded in 1869.

• How do I check my Sainbury's car insurance expiry date?

  You can check your expiry date and other policy documents when you log in to the Sainsbury’s online portal.

Written by

Jason Loewenthal

Senior writer

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Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

Co-written by

Esther Wolffowitz

Publisher

Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio