Overview
Protecting your car and saving you money
When you buy either Sainsbury's Car Insurance or Sainsbury's Premier Cover Car Insurance, not only could you enjoy premiums for as little as £224^, you'll also receive double Nectar points for two years on your Sainsbury's shopping and fuel*
That's 4 points for every £1 you spend. So what will you spend them on - more petrol to visit the family perhaps or a sunny drive to the seaside?
Whatever you choose, we wish you many miles of happy motoring this summer.
Benefits of our car insurance include:
- DOUBLE Nectar points for 2 years on Sainsbury's shopping and fuel*
Available on both Sainsbury's Premier Cover Car Insurance and Sainsbury's Car Insurance. 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. - 5 year guarantee on repairs
When using an approved repairer. - Uninsured driver promise
With Sainsbury's Premier Cover Car Insurance, your no claim discount is protected if you have to make a non-fault claim. We will cover your excess. Please provide the registration number, make and model of the car involved.
We also offer UK and EU breakdown cover and Motor Legal Protection as optional extras.
Offer Terms and Conditions
*Double Nectar
1) Offer available only to customers who take out a new Sainsbury’s comprehensive car insurance policy.
2) Customers must renew their policy 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 points) 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, Diets 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 the Nectar Collector Rules, set out in the registration pack and available at www.nectar.com.
8) Sainsbury’s Bank reserves the right to alter, cancel or withdraw
the offer without prior notice.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
Compare our cover
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 extensive car insurance, both designed to get you where you want to be.
Compare features of our 2 levels of cover:
| Feature | Sainsbury's Premier Cover Car Insurance | Sainsbury's Car Insurance |
|---|---|---|
| Courtesy car while yours is being repaired |  | Subject to availability. Provided through approved repairers. |
| Enhanced courtesy car | | n/a |
| Courtesy car if yours is a total loss | Available for up to 21 days | n/a |
| Windscreen repair or replacement | | |
| Replacement lock and key cover for lost keys | Up to £1000 plus Keycare | n/a |
| Replacement lock and key cover for stolen keys | Up to £1000 plus Keycare | Up to £1000 |
| 5 year guarantee on car repairs† | | |
| Cost of child seat replacement | | |
| Personal belongings | Up to £200 | Up to £100 |
| Sainsbury's shopping replacement (up to £200) | | |
| Personal accident cover | Up to £10,000 | Up to £5,000 |
| European cover | Up to 90 days | Up to 3 days |
†Provided through approved repairers
We also offer UK and EU breakdown cover and Motor Legal Protection as optional extras.
*Double Nectar
1) Offer available only to customers who take out a new Sainsbury’s comprehensive car insurance policy.
2) Customers must renew their policy 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 points) 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, Diets 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 the Nectar Collector Rules, set out in the registration pack and available at www.nectar.com.
8) Sainsbury’s Bank reserves the right to alter, cancel or withdraw
the offer without prior notice.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
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.
Motor Legal Protection
- Provides optional cover for an additional premium if you have a car accident that was not your fault.
- Legal protection for up to £100,000 as long as it is more likely than not that your claim will succeed.
- Helps you to recover losses from the party at fault which you could not recover from any insurance policy.
- Examples of losses may include: loss of earnings, compensation for personal injury or repair costs (if you do not have comprehensive cover).
No Claim Discount Protection
If you have not claimed on your car insurance for 4 or more years you may be able to choose to protect your no claim discount.
________________________________________________________
*Double Nectar
1) Offer available only to customers who take out a new Sainsbury’s comprehensive car insurance policy.
2) Customers must renew their policy 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 points) 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, Diets 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 the Nectar Collector Rules, set out in the registration pack and available at www.nectar.com.
8) Sainsbury’s Bank reserves the right to alter, cancel or withdraw
the offer without prior notice.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
T's & C's & Policy
Policy documents including policy summary
All policies taken out on or after 28 April 2013:
Sainsbury's Premier Cover Car Insurance
Short term European breakdown cover
Further information
*Double Nectar
1) Offer available only to customers who take out a new Sainsbury’s comprehensive car insurance policy.
2) Customers must renew their policy 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 points) 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, Diets 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 the Nectar Collector Rules, set out in the registration pack and available at www.nectar.com.
8) Sainsbury’s Bank reserves the right to alter, cancel or withdraw
the offer without prior notice.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
Tools & guides
Tools, guides and resources
A range of tools and guides to help with all your car insurance and motoring needs.
Guide to car maintenance basics (PDF 574KB)
Guide to no claim discount (PDF 433KB)
*Double Nectar
1) Offer available only to customers who take out a new Sainsbury’s comprehensive car insurance policy.
2) Customers must renew their policy 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 points) 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, Diets 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 the Nectar Collector Rules, set out in the registration pack and available at www.nectar.com.
8) Sainsbury’s Bank reserves the right to alter, cancel or withdraw
the offer without prior notice.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
^Prices for as little as £224: 10% of all new customers who bought Sainsbury's car insurance from the 1st September 2012 – 28th February 2013 paid £224 or less. Source: U K Insurance Limited. The premium excludes Motor Legal Protection or interest payments if applicable.
