Sainsbury's Bank

Sainsbury’s Bank car insurance review

Find out more about how Sainsbury Bank car insurance can protect you when you need it most.

Sainsbury bank offers two levels of car insurance, with the ability to add optional extras to tailor the insurance policy to suit your needs.

Who is Sainsbury 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.

What are Sainsbury’s cover options?

Sainsbury’s offers two levels of cover:

Comprehensive cover.
This is the most complete level of cover you can get with Sainsbury and includes third party cover, fire and theft cover. Among the things it covers are:
Third party, fire and theft.
Third party fire and theft cover gives you slightly more protection than the basic third party cover. If you are involved in an accident, Sainsbury will pay out to the third party.

This cover also protects your car from damage caused by fire or theft. However, it won’t pay out if your car is damaged in other ways such as a crash.

What’s covered under my policy?

What’s included?ComprehensiveThird party, fire and theft
Loss or damage to your car (except fire and theft)YesNo
Loss or damage to your car (by fire and theft)YesYes
Damage to your windscreenYesNo
A courtesy car – three-door hatchbackYesNo
No claims discount and named driver no claims discountYesYes
Driving other carsYesNo
Liability to other peopleYesYes
Driving in EuropeYesYes
Replacement child car seatYesYes
New car coverYesYes
Medical expensesYesNo
Personal belongings including your Sainsbury’s shoppingYesNo
Personal accidentYesNo
Protection against uninsured driversYesNo

What optional add-ons does Sainsbury car insurance off?

Whether you choose comprehensive and third party, fire and theft cover, Sainsbury 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 Ca
  • No Claims Discount Protection
  • Key Cover
  • Windscreen Cover

How much does car insurance from Sainsbury’s Bank cost?

The cost of car insurance varies depending on a number of factors, including the value and make of your car, where you live and the level of cover you are after (including any added extras).
However, if you have a Nectar card, you can receive up to 25% off your premiums.
And if you buy Sainsbury’s Premier Car Insurance, you receive a range of benefits, including money off fuel for a year and double Nectar points on Sainsbury’s shopping and fuel for two years.


  • Sainsburys 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


  • Sainsbury’s website offers little to no information on how to make a claim

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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