Home
New cover, New choices
Everyone's home is different that is why we have created two levels of cover: Sainsbury's Home Insurance and Sainsbury's Premier Cover Home Insurance. Both offer comprehensive cover for your home and the possessions you value most.
Additional 20% online discount
If you are looking for home insurance, not only will you enjoy our current 12 months cover for the price of 9** offer but we'll give you an additional 20% discount if you buy any cover online.
**This introductory discount is applied to the annual home insurance premium and not to any other products or add-ons that may be purchased. Minimum premium applies. Where multiple discounts apply, each discount is applied consecutively to the reduced premium. If paying by Direct Debit we will collect 12 monthly payments however the price is calculated based on 9 months. 12 for 9 offer ends 4th June 2012.
Plus, exclusive discounts for Sainsbury's Shoppers
If you have a Nectar card we'll also give you:
- Up to 15% discount on your premium† At least 10% of Nectar customers who are Sainsbury's shoppers will achieve the maximum discount of 15%. Minimum premium applies.
- Double Nectar points on Sainsbury's shopping for two years when you take out Sainsbury's Premier Cover Home Insurance combined buildings and contents cover. *Nectar points terms and conditions
†Up to 15% discount based on your circumstances and loyalty information. Sainsbury's customers will receive a discounted rate based on information related to transactions made in Sainsbury's supermarkets using your Nectar card. For more information go to sainsburysfinance.co.uk/nectar.
Relax, you're covered
Whether it’s a city centre apartment or a suburban semi, every home is different. And you can be sure their contents are different too. That’s why we offer customers two options of contents insurance.
Plus, remember you will receive an additional 20% discount when you buy any cover type online.
Here's a quick look at the main contents features of both policies with maximum limits we will pay. For more information please see our policy booklets on the Policy tab above. Please note if you purchase building and contents cover the policies must be of the same type.
| Feature | Sainsbury's Home Insurance | Sainsbury's Premier Cover Home Insurance |
|---|---|---|
| Limits up to: | Limits up to: | |
| Sum insured | £50,000 | £100,000 |
| Digital downloads | £1,000 | £3,000 |
| Contents in the open | £500 | £2,500 |
| Student belongings | £5,000 | £10,000 |
| 12 months guarantee on repairs |
|
|
| Household removal-cover whilst on the move | Up to contents sum insured | Up to contents sum insured |
| Special events cover | £5,000 | £10,000 |
| Additional cover | ||
| Home Emergency# | Optional extra |
|
| Contents Accidental Damage | Optional extra |
|
| Family Legal Protection | Optional extra |
|
| Personal Possessions | Optional extra |
|
#Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands.
Comprehensive cover at the right price
Our home insurance not only gives comprehensive cover for your essential items and treasured possessions but also the fabric of the building too. Again, that's why we also offer customers two options of buildings insurance so you can pick the right cover for you.
Plus, remember you will receive an additional 20% discount when you buy any cover type online.
Here's a quick look at the main buildings features of both policies with maximum limits we will pay. For more information please see our policy booklets on the Policy tab above. Please note if you purchase building and contents cover the policies must be of the same type.
| Feature | Sainsbury's Home Insurance | Sainsbury's Premier Cover Home Insurance |
|---|---|---|
| Limits up to: | Limits up to: | |
| Sum insured | £1,000,000 | Unlimited |
| Alternative accommodation | £25,000 | £50,000 |
| Loss / theft of keys | £500 | Unlimited plus Keycare |
| Trace & access - cover to help locate leaks | £5,000 | £5,000 |
| Additional Cover | ||
| Home Emergency# | Optional extra |
|
| Buildings Accidental Damage | Optional extra |
|
| Family Legal Protection | Optional extra |
|
| Personal Possessions | Optional extra |
|
#Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands.
Added peace of mind
Sometimes it is nice to know you have things covered that little bit more. That's why we offer a range of optional additional covers.
If you purchase Sainsbury's Premier Cover Home Insurance then these come as standard but they can be added to our Sainsbury's Home Insurance cover for an additional cost.
| Feature | Benefit |
|---|---|
| Home Emergency | Up to £500 for call out, labour and parts in the event of an emergency at your home. Up to £200 for alternative overnight accommodation if your property becomes uninhabitable. (Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands). |
| Contents Accidental Damage | Protect your personal belongings and non-permanent fixtures and fittings like carpets and curtains against non-deliberate damage. |
| Buildings Accidental Damage | Protect your home and its walls, roofs, drives, patios and outbuildings against non-deliberate damage. This also includes any permanent fixtures such as kitchen units or bathroom fittings. |
| Family Legal Protection | Up to £100,000 for the costs of legal expenses and court proceedings if you are involved in any private legal disputes such as property or employment disputes. We'll also provide 24-hour legal advice and cover for your salary whilst you attend jury service. |
| Personal Possessions | Cover for items that you normally take out of the home such as jewellery, cameras, sports equipment, and money. |
| Keycare | Annual protection for permanently lost keys even if your car keys are on the same keyring holder as your household keys - we'll take care of the cost to replace and reprogramme them, and sort the problem of being stranded without them. |
The details
Please read the following policy documents before you buy.
Renewal reminder
Share your insurance renewal date with us –
we'll reward you
with 100 bonus
Nectar points.
Double your
Nectar points
*Our lines are open Monday to Friday 8am-9pm, Saturday 9am-5pm and Sunday 10am-5pm. Telephone calls may be recorded for security purposes and monitored under our quality control procedures.
