Sainsbury’s car insurance review

We've reviewed Sainsbury's car insurance options to help you decide if it has the right policy for you.

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Sainsbury's Bank

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 Comprehensive

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

Name Product Courtesy car cover New car replacement EU cover Personal accident cover Multi-car discount Link
Sainsbury Third party, fire and theft
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No
Sainsbury's Comprehensive
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Yes
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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?

Product NameSainsbury's ComprehensiveSainsbury Third party, fire and theft
Damage to your car
Damaged windscreen and window glass
Fire and theft
Personal accident cover
Medical expenses
Personal belongings
Liabilities to third parties
Using the car abroad
No-claims discount

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:

What are Sainsbury’s Bank’s different policies?

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

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

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