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.


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

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Compare Sainsbury car insurance policies

Data indicated here is updated regularly
Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options Link
Sainsbury Third party, fire and theft
Sainsbury Third party, fire and theft
Breakdown cover, Motor Legal protection, No claims discount protection
Sainsbury Comprehensive
Sainsbury Comprehensive
Breakdown cover, Motor Legal protection, No claims discount protection

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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’s covered under my policy?

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

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

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.
*Based on independent online research by Consumer Intelligence (March ’20). 51% of car insurance customers could save £285.88.

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