Car Insurance

Underwritten by U K Insurance Limited

Get a quote

Retrieve a saved quote

*Introductory discount, minimum premiums apply. Sainsbury's customers will receive a discounted rate based on information related to transactions made in Sainsbury's Supermarkets using their Nectar card.

Overview

Key Benefits

  • Free Sainsbury's Breakdown Service cover, provided by Green Flag, for a year when you obtain a new Sainsbury's car insurance quote and subsequently purchase. New customers only. Underwritten by U K Insurance Limited
  • When you get a quote before 29th December 2014 (offer extended) and then purchase, we'll send you coupons for £5 off instore^ each month for 6 months. That's £30 worth of savings. How will you spend yours?
  • 25% off for Sainsbury's shoppers with a Nectar card*. Introductory discount, minimum premiums apply. Sainsbury's customers will receive a discounted rate based on information related to transactions made in Sainsbury's Supermarkets using their Nectar card
  • DOUBLE Nectar points on Premier Cover for up to 2 years on Sainsbury's shopping & fuel** To receive double Nectar points you must quote and purchase direct from Sainsbury's Bank. Premier Cover must be renewed at first renewal for double points to continue
  • Courtesy car when your car is being repaired (provided through approved repairers, subject to availability)
  • Multi Car Discount
  • When you take out a Sainsbury's car insurance policy you can also save 10% on Sainsbury's home insurance. Introductory offer, minimum premiums apply^^

Offer Terms and Conditions

**Double Nectar
1) Offer available only to new customers who take out a new Sainsbury's Premier Cover Car Insurance policy. Quote must have originated on the Sainsbury's Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for double Nectar points.
2) Customers must renew their Sainsbury's Premier Cover Car Insurance at first renewal for double points to continue.
3) If the policy is cancelled, double points will cease from the cancellation date.
4) Only the first car insurance policy registered against each Nectar account will qualify for double points.
5) Base points on qualifying spend in Sainsbury's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all bonus point offers and points from Sainsbury's Energy, Telecoms, Digital, Bank and all other Sainsbury's services.
6) The monthly bonus will only be calculated on, and credited to, the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively.
7) The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by Nectar Collector Rules, set out in the registration pack and available at nectar.com
8) Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

^£30 to spend in store:
1) Introductory offer available only to new customers who get a Sainsbury’s Car Insurance quote between 29/7/14 and 29/12/14 and subsequently purchase - this offer has been extended. Quote must have originated on the Sainsbury’s Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for the £30 worth of coupons offer. Coupons will be issued 60 days after the policy start date. If your policy is cancelled within this period your coupons will not be issued. Limited to issuing one set of coupons per policy, duplicate coupons will not be issued.
2) Offer is six £5 coupons with varying validity dates, Coupons may only be used at point of purchase as per terms specified on front of coupon. Hand the coupon to the cashier and, provided you have spent at least £5 in one transaction and the conditions are met, the amount will be deducted from your bill. Coupon valid on instore purchases only. This coupon is not valid for purchases made via Sainsbury’s websites. Coupons cannot be used for spirits and liqueurs, cashback or purchases made from the National lottery stand, tobacco kiosk, vending machines, concessions, or purchases of baby milk products, gift cards, prescription medicines, saving stamps, phone cards, mobile phone vouchers, charity items or fuel, or against online delivery charges. If you have a coupon valid for an age related product, you must be aged 18 years or over to redeem. Not to be used in conjunction with any other offer and is non transferable. Sale, auction or tendering of this coupon for money or otherwise is specifically prohibited. Photocopies are not accepted. This coupon has no cash value. No change will be given. Only one coupon for this offer may be used per transaction. Sainsbury’s reserve the right to retract the offer at any time.

^^10% discount available to existing Sainsbury's car insurance customers buying a new Sainsbury's home insurance policy. Introductory offer. Minimum premiums apply. Where multiple discounts apply, each discount is applied consecutively to the reduced premium.

What's covered?

Compare our cover

At Sainsbury's Bank, we want to make sure you get the right cover for you and your car. That's why we've developed two levels of comprehensive car insurance, both designed to get you where you want to be.

Compare features of our 2 levels of comprehensive cover:

FeatureSainsbury's Premier Cover Car InsuranceSainsbury's Car Insurance
Courtesy car   GuaranteedProvided through approved repairers, subject to availability
Enhanced courtesy cartickcross
Windscreen repair or replacementticktick
Replacement lock and key cover for lost keysUp to £1000 plus Keycarecross
Replacement lock and key cover for stolen keysUp to £1000 plus KeycareUp to £1000
5 year guarantee on car repairs when using an approved repairerticktick
Uninsured driver promise – no impact on No Claim Discount†tickcross
Vandalism covertickcross
Sainsbury's shopping replacement (up to £200)ticktick
Cost of child seat replacement if you have an accident, your vehicle is damaged by fire or theft or is stolen and not recoveredticktick
Double Nectar points for up to 2 years**tickcross

Your No Claim Discount is protected if you have to make a non-fault claim against an uninsured driver. We will refund your excess. Please provide the registration number, make and model of the other car involved.

We also offer UK and EU breakdown cover and Motor Legal Protection as optional extras.

**Double Nectar
1) Offer available only to new customers who take out a new Sainsbury's Premier Cover Car Insurance policy. Quote must have originated on the Sainsbury's Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for double Nectar points.
2) Customers must renew their Sainsbury's Premier Cover Car Insurance at first renewal for double points to continue.
3) If the policy is cancelled, double points will cease from the cancellation date.
4) Only the first car insurance policy registered against each Nectar account will qualify for double points.
5) Base points on qualifying spend in Sainsbury's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all bonus point offers and points from Sainsbury's Energy, Telecoms, Digital, Bank and all other Sainsbury's services.
6) The monthly bonus will only be calculated on, and credited to, the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively.
7) The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by Nectar Collector Rules, set out in the registration pack and available at nectar.com
8) Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

Sainsbury's customers will receive a discounted rate based on information related to transactions made in Sainsbury's Supermarkets using their Nectar card. Introductory discount, minimum premiums apply.

^£30 to spend in store:
1) Introductory offer available only to new customers who get a Sainsbury’s Car Insurance quote between 29/7/14 and 29/12/14 and subsequently purchase - this offer has been extended. Quote must have originated on the Sainsbury’s Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for the £30 worth of coupons offer. Coupons will be issued 60 days after the policy start date. If your policy is cancelled within this period your coupons will not be issued. Limited to issuing one set of coupons per policy, duplicate coupons will not be issued.
2) Offer is six £5 coupons with varying validity dates, Coupons may only be used at point of purchase as per terms specified on front of coupon. Hand the coupon to the cashier and, provided you have spent at least £5 in one transaction and the conditions are met, the amount will be deducted from your bill. Coupon valid on instore purchases only. This coupon is not valid for purchases made via Sainsbury’s websites. Coupons cannot be used for spirits and liqueurs, cashback or purchases made from the National lottery stand, tobacco kiosk, vending machines, concessions, or purchases of baby milk products, gift cards, prescription medicines, saving stamps, phone cards, mobile phone vouchers, charity items or fuel, or against online delivery charges. If you have a coupon valid for an age related product, you must be aged 18 years or over to redeem. Not to be used in conjunction with any other offer and is non transferable. Sale, auction or tendering of this coupon for money or otherwise is specifically prohibited. Photocopies are not accepted. This coupon has no cash value. No change will be given. Only one coupon for this offer may be used per transaction. Sainsbury’s reserve the right to retract the offer at any time

Optional extras

Our policies offer the following optional extras which, for an additional cost, can be added to your policy when you apply for car insurance.

UK breakdown cover

You want your car journey to run as smoothly as possible. And this includes being able to start as you mean to go on. You can choose to add UK or UK & EU combined breakdown cover to your policy.

Sainsbury's Breakdown Service cover, provided by Green Flag, is free for a year when you obtain a new Sainsbury's car insurance quote and subsequently purchase. Underwritten by U K Insurance Limited.

Find out more

Motor Legal Protection

  • Available for an additional premium.
  • If you have an accident involving your car where you are not to blame, you have the right to claim from the person responsible.
  • We’ll provide up to £100,000 of legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a better than 50% chance that your claim will succeed.
  • Examples of what you may claim for include compensation for personal injury, loss of earnings and accident repair costs if you don’t have comprehensive cover.

Find out more

No Claim Discount Protection

If you have at least 4 years No Claim Discount and have not had more than 1 fault claim within the last 3 years for all drivers you can choose to protect your No Claim Discount.

Find out more

___________________________

**Double Nectar
1) Offer available only to new customers who take out a new Sainsbury's Premier Cover Car Insurance policy. Quote must have originated on the Sainsbury's Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for double Nectar points.
2) Customers must renew their Sainsbury's Premier Cover Car Insurance at first renewal for double points to continue.
3) If the policy is cancelled, double points will cease from the cancellation date.
4) Only the first car insurance policy registered against each Nectar account will qualify for double points.
5) Base points on qualifying spend in Sainsbury's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all bonus point offers and points from Sainsbury's Energy, Telecoms, Digital, Bank and all other Sainsbury's services.
6) The monthly bonus will only be calculated on, and credited to, the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively.
7) The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by Nectar Collector Rules, set out in the registration pack and available at nectar.com
8) Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

Sainsbury's customers will receive a discounted rate based on information related to transactions made in Sainsbury's Supermarkets using their Nectar card. Introductory discount, minimum premiums apply.

^£30 to spend in store:
1) Introductory offer available only to new customers who get a Sainsbury’s Car Insurance quote between 29/7/14 and 29/12/14 and subsequently purchase - this offer has been extended. Quote must have originated on the Sainsbury’s Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for the £30 worth of coupons offer. Coupons will be issued 60 days after the policy start date. If your policy is cancelled within this period your coupons will not be issued. Limited to issuing one set of coupons per policy, duplicate coupons will not be issued.
2) Offer is six £5 coupons with varying validity dates, Coupons may only be used at point of purchase as per terms specified on front of coupon. Hand the coupon to the cashier and, provided you have spent at least £5 in one transaction and the conditions are met, the amount will be deducted from your bill. Coupon valid on instore purchases only. This coupon is not valid for purchases made via Sainsbury’s websites. Coupons cannot be used for spirits and liqueurs, cashback or purchases made from the National lottery stand, tobacco kiosk, vending machines, concessions, or purchases of baby milk products, gift cards, prescription medicines, saving stamps, phone cards, mobile phone vouchers, charity items or fuel, or against online delivery charges. If you have a coupon valid for an age related product, you must be aged 18 years or over to redeem. Not to be used in conjunction with any other offer and is non transferable. Sale, auction or tendering of this coupon for money or otherwise is specifically prohibited. Photocopies are not accepted. This coupon has no cash value. No change will be given. Only one coupon for this offer may be used per transaction. Sainsbury’s reserve the right to retract the offer at any time

T's & C's
& Policy

Policy documents including policy summary

All policies taken out on or after 1 June 2011. To view our current policy documents please click on the links below. Please refer to your own policy documentation for details of your cover.

Sainsbury's Car Insurance new window
Sainsbury's Premier Cover Car Insurance new window
Breakdown cover new window
Keycare new window
Short term European breakdown cover new window

Further information

FAQs

Customer Support

**Double Nectar
1) Offer available only to new customers who take out a new Sainsbury's Premier Cover Car Insurance policy. Quote must have originated on the Sainsbury's Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for double Nectar points.
2) Customers must renew their Sainsbury's Premier Cover Car Insurance at first renewal for double points to continue.
3) If the policy is cancelled, double points will cease from the cancellation date.
4) Only the first car insurance policy registered against each Nectar account will qualify for double points.
5) Base points on qualifying spend in Sainsbury's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all bonus point offers and points from Sainsbury's Energy, Telecoms, Digital, Bank and all other Sainsbury's services.
6) The monthly bonus will only be calculated on, and credited to, the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively.
7) The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by Nectar Collector Rules, set out in the registration pack and available at nectar.com
8) Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

^£30 to spend in store:
1) Introductory offer available only to new customers who get a Sainsbury’s Car Insurance quote between 29/7/14 and 29/12/14 and subsequently purchase - this offer has been extended. Quote must have originated on the Sainsbury’s Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for the £30 worth of coupons offer. Coupons will be issued 60 days after the policy start date. If your policy is cancelled within this period your coupons will not be issued. Limited to issuing one set of coupons per policy, duplicate coupons will not be issued.
2) Offer is six £5 coupons with varying validity dates, Coupons may only be used at point of purchase as per terms specified on front of coupon. Hand the coupon to the cashier and, provided you have spent at least £5 in one transaction and the conditions are met, the amount will be deducted from your bill. Coupon valid on instore purchases only. This coupon is not valid for purchases made via Sainsbury’s websites. Coupons cannot be used for spirits and liqueurs, cashback or purchases made from the National lottery stand, tobacco kiosk, vending machines, concessions, or purchases of baby milk products, gift cards, prescription medicines, saving stamps, phone cards, mobile phone vouchers, charity items or fuel, or against online delivery charges. If you have a coupon valid for an age related product, you must be aged 18 years or over to redeem. Not to be used in conjunction with any other offer and is non transferable. Sale, auction or tendering of this coupon for money or otherwise is specifically prohibited. Photocopies are not accepted. This coupon has no cash value. No change will be given. Only one coupon for this offer may be used per transaction. Sainsbury’s reserve the right to retract the offer at any time

Tools &
guides

Tools, guides and resources

A range of tools and guides to help with all your car insurance and motoring needs.

Guide to driving in Europe - Everything you need to know before driving to the continent, from laws and regulations, to documentation and equipment.

Guide to car maintenance basics - A checklist of basic car maintenance procedures, car toolkit suggesstions and what the most common dashboard warning lights mean.

Guide to no claim discount - A guide to the no claim discount, what it is, how it works, and how it could help you save on your car insurance.

Guide to car breakdown basics - What to do if you breakdown on the motorway,on rural roads or overseas.

 

 

**Double Nectar
1) Offer available only to new customers who take out a new Sainsbury's Premier Cover Car Insurance policy. Quote must have originated on the Sainsbury's Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for double Nectar points.
2) Customers must renew their Sainsbury's Premier Cover Car Insurance at first renewal for double points to continue.
3) If the policy is cancelled, double points will cease from the cancellation date.
4) Only the first car insurance policy registered against each Nectar account will qualify for double points.
5) Base points on qualifying spend in Sainsbury's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all bonus point offers and points from Sainsbury's Energy, Telecoms, Digital, Bank and all other Sainsbury's services.
6) The monthly bonus will only be calculated on, and credited to, the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively.
7) The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by Nectar Collector Rules, set out in the registration pack and available at nectar.com
8) Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

^£30 to spend in store:
1) Introductory offer available only to new customers who get a Sainsbury’s Car Insurance quote between 29/7/14 and 29/12/14 and subsequently purchase - this offer has been extended. Quote must have originated on the Sainsbury’s Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for the £30 worth of coupons offer. Coupons will be issued 60 days after the policy start date. If your policy is cancelled within this period your coupons will not be issued. Limited to issuing one set of coupons per policy, duplicate coupons will not be issued.
2) Offer is six £5 coupons with varying validity dates, Coupons may only be used at point of purchase as per terms specified on front of coupon. Hand the coupon to the cashier and, provided you have spent at least £5 in one transaction and the conditions are met, the amount will be deducted from your bill. Coupon valid on instore purchases only. This coupon is not valid for purchases made via Sainsbury’s websites. Coupons cannot be used for spirits and liqueurs, cashback or purchases made from the National lottery stand, tobacco kiosk, vending machines, concessions, or purchases of baby milk products, gift cards, prescription medicines, saving stamps, phone cards, mobile phone vouchers, charity items or fuel, or against online delivery charges. If you have a coupon valid for an age related product, you must be aged 18 years or over to redeem. Not to be used in conjunction with any other offer and is non transferable. Sale, auction or tendering of this coupon for money or otherwise is specifically prohibited. Photocopies are not accepted. This coupon has no cash value. No change will be given. Only one coupon for this offer may be used per transaction. Sainsbury’s reserve the right to retract the offer at any time

Existing
customers

Should you need to contact us about your car insurance policy, you can access the relevant Customer Support section.

In the Customer Support section you will be able to:

  • Find out how to renew your policy
  • Find out how to make a claim
  • Find out what you need to do if you have an accident
  • Browse our frequently asked questions
  • Find the contact numbers you need
  • Learn more about our Customer Care policy

Links to the Customer Support sections are shown below:

Car insurance policyholders on or after 1st June 2011

All other policyholders

If you need to view the policy details for your car insurance cover please click on one of the following links: 

Policy bought on or after 1st June 2011

Policy bought before 1st June 2011

**Double Nectar
1) Offer available only to new customers who take out a new Sainsbury's Premier Cover Car Insurance policy. Quote must have originated on the Sainsbury's Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for double Nectar points.
2) Customers must renew their Sainsbury's Premier Cover Car Insurance at first renewal for double points to continue.
3) If the policy is cancelled, double points will cease from the cancellation date.
4) Only the first car insurance policy registered against each Nectar account will qualify for double points.
5) Base points on qualifying spend in Sainsbury's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all bonus point offers and points from Sainsbury's Energy, Telecoms, Digital, Bank and all other Sainsbury's services.
6) The monthly bonus will only be calculated on, and credited to, the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury's purchase and points will not be allocated retrospectively.
7) The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by Nectar Collector Rules, set out in the registration pack and available at nectar.com
8) Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

^£30 to spend in store:
1) Introductory offer available only to new customers who get a Sainsbury’s Car Insurance quote between 29/7/14 and 29/12/14 and subsequently purchase - this offer has been extended. Quote must have originated on the Sainsbury’s Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for the £30 worth of coupons offer. Coupons will be issued 60 days after the policy start date. If your policy is cancelled within this period your coupons will not be issued. Limited to issuing one set of coupons per policy, duplicate coupons will not be issued.
2) Offer is six £5 coupons with varying validity dates, Coupons may only be used at point of purchase as per terms specified on front of coupon. Hand the coupon to the cashier and, provided you have spent at least £5 in one transaction and the conditions are met, the amount will be deducted from your bill. Coupon valid on instore purchases only. This coupon is not valid for purchases made via Sainsbury’s websites. Coupons cannot be used for spirits and liqueurs, cashback or purchases made from the National lottery stand, tobacco kiosk, vending machines, concessions, or purchases of baby milk products, gift cards, prescription medicines, saving stamps, phone cards, mobile phone vouchers, charity items or fuel, or against online delivery charges. If you have a coupon valid for an age related product, you must be aged 18 years or over to redeem. Not to be used in conjunction with any other offer and is non transferable. Sale, auction or tendering of this coupon for money or otherwise is specifically prohibited. Photocopies are not accepted. This coupon has no cash value. No change will be given. Only one coupon for this offer may be used per transaction. Sainsbury’s reserve the right to retract the offer at any time

For questions and quotes

Call 0800 092 9334

Send an email

More phone options

Lines are open: Mon - Fri 8am-9pm, Sat 9-5pm and Sun 10am-5pm.

Telephone calls may be recorded for security purposes and monitored under our quality control procedures.

Sainsbury’s car insurance is underwritten by U K Insurance Limited, Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No: 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Please note that quotes cannot be provided for existing Sainsbury's car insurance customers whose policy was in force before 31st May 2011.

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