Home Insurance

Underwritten by U K Insurance Limited

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*New customers only. Minimum premiums apply.

Overview

Offers for new customers

  • 30% off if you have 5 years claim free
  • Up to 20% online discount

Plus if you're an existing Sainsbury's car insurance customer you'll be entitled to an extra discount.

Additional offers for Nectar card holders

  • 5,000 bonus Nectar points - (worth £25 to spend) when you take out a new combined buildings and contents policy direct with Sainsbury's Bank. Offer extended to 28th July 2014^
  • Save up to an extra 15% - exclusive to Nectar card holders purchasing a new home insurance policy† (at least 10% of Nectar collectors who are Sainsbury's shoppers achieved the maximum discount of 15% between 01/11/12 and 31/10/13)
  • Double Nectar points on Sainsbury's shopping and fuel for 2 years - available when you quote and buy a new combined buildings and contents Premier Cover Home Insurance policy direct with Sainsbury's Bank**. Remember to renew your policy at the same cover level at first renewal to continue collecting double points

Minimum premiums apply to all offers above. Where multiple discounts apply, each discount is applied consecutively to the reduced premium.

Why choose Sainsbury’s home insurance?

  • Choice of two cover levels - Sainsbury’s Home Insurance or Sainsbury’s Premier Cover Home Insurance. Both offer combined buildings & contents cover, contents only cover or buildings only cover allowing you to get the right cover for you and your home.
  • Buildings cover - choose up to £1 million or unlimited cover
  • Contents cover - choose up to £50,000 or up to £100,000
  • Sainsbury’s Premier Cover Home Insurance - offers all of the below for added reassurance
  • If your main heating or electricity supply fails, Home Emergency cover gives you up to £500 to help cover the cost of emergency assistance, and up to £200 in overnight accommodation^^
  • Protection for your possessions inside and away from the home
  • Legal protection, up to £100,000
  • Reasonable cost to replace keys and the locks they fit

^^Not available in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands.

Offer Terms and Conditions

^5,000 bonus Nectar points: Introductory offer available to new customers with a Nectar card who take out a new combined buildings and contents policy. Offer extended to 28th July 2014. Available when purchased directly with Sainsbury's Bank, by phone or online. Points will be issued 60 days after the policy start date. If you cancel within this period your points will not be issued. Limited to one award of 5,000 points per household.
†Up to 15% discount for Sainsbury’s shoppers with a Nectar card:Up to 15% discount is 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 sainsburysbank.co.uk/nectar
**Double Nectar points: .1 Offer available only to new customers who take out a new combined buildings and contents Sainsbury's Premier Cover Home 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 policy at the same cover level to continue collecting double points. 3. If the policy is cancelled, double points will cease from the cancellation date. 4. Only the first combined buildings and contents 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 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 nectar.com 8. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

Contents

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 Sainsbury's home insurance offer customers two options of contents insurance.

Plus, remember you will receive up to a 20% discount when you buy any policy online. Minimum premiums apply. Where multiple discounts apply, each discount is added consecutively to the reduced premium.

Here's a quick look at the main contents features of both policies. For more information please see our policy booklets on the Policy tab above. Please note if you purchase buildings and contents cover the policies must be at the same product level.

FeatureSainsbury's Home InsuranceSainsbury's Premier Cover Home Insurance
Sum insured
(single valuable item)
Up to £50,000
(up to £2,000)
Up to £100,000
(up to £4,000)
Downloaded informationUp to £1,000Up to £3,000
Contents in the gardenUp to £1,000Up to £2,500
Student belongingsUp to £5,000Up to £10,000
12 months repairs guarantee using approved repairersticktick
Household removal-cover whilst on the moveUp to contents sum insuredUp to contents sum insured
Special events increased cover*10% of contents sum insured10% of contents sum insured
Tenants liability - cover for building damages you become legally liable forup to £5,000up to £10,000
Additional cover
- for individual limits please refer to Additional cover tab
Home Emergency#Optional extratick
Contents Accidental DamageOptional extratick
Family Legal ProtectionOptional extratick
Personal PossessionsOptional extratick
#Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands. *Limited to Births, Religious Festivals & Wedding/Civil partnerships.


Buildings

Sainsbury's home insurance offers customers two options of buildings insurance to cover the fabric of your building, so you can pick the right cover for you.

Plus, remember you will receive up to a 20% discount when you buy any policy online.  Minimum premiums apply. Where multiple discounts apply, each discount is applied consecutively to the reduced premium.

Here's a quick look at the main buildings features of both policies. For more information please see our policy booklets on the Policy tab above. Please note if you purchase buildings and contents cover the policies must be at the same product level. 

FeatureSainsbury's Home InsuranceSainsbury's Premier Cover Home Insurance
Sum insuredUp to £1,000,000Unlimited
Alternative accommodationUp to £25,000Up to £50,000
Loss / theft of keysUnlimitedUnlimited plus Keycare
Trace & access - cover to help locate leaksUp to £5,000Up to £10,000
Additional Cover
Home Emergency#Optional extratick
Buildings Accidental DamageOptional extratick
Family Legal ProtectionOptional extratick
#Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands.


Additional Cover

Added reassurance

Sainsbury's home insurance offer a range of optional additional covers.
 
If you purchase Sainsbury's Premier Cover Home Insurance these come as standard but they can be added to our Sainsbury's Home Insurance cover for an additional cost (excludes Keycare).

FeatureBenefit
Home EmergencyUp 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 DamageProtection of your personal belongings and non-permanent fixtures and fittings like carpets and curtains against non-deliberate damage.
Buildings Accidental DamageProtection of your home which includes parts of the building such as 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 ProtectionUp 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. 24-hour legal advice and cover for your salary whilst you attend jury service is also provided.
Personal PossessionsCover for items that you would normally take out of the house such as jewellery, cameras, sports equipment and laptops (limit of £2,500 (Home Insurance) and £5,000 (Premier Cover Home Insurance) – single item limit and additional limits & conditions apply).
KeycareAnnual protection if you permanently lose your keys - covering the replacement and reprogramming of all keys lost on the same key fob, even your car keys. Limited to £1,000.


Policy

The details

Please read the following documents before you buy.

New policies taken out on or after 24th November 2013 and existing policies with a renewal date of 29th December 2013 or after:

New policies taken out on or before 23 November 2013 and existing policies with a renewal date of 28 December 2013 or earlier:

Tools & guides

Tools, guides and resources

A range of tools and guides to help you keep your home and personal belongings safe and secure.

Protecting your home insurance - A guide to how to protect your home insurance and ensure it remains valid

Guide to improving your home (PDF 754KB) - A comprehensive guide on how to improve and add value to your home, featuring tips on budgeting, maximising your exisiting space and some energy saving ideas.

Guide to home insurance (PDF 713KB) - A comprehensive guide to all aspects of home and contents insurance, including the different types available and how to find the right policy for your circumstances.

Protecting your home against storm damage (PDF 706KB) - Our guide on how to protect your home against severe weather, such as floods, heavy snow and high winds.

How to go green at home (PDF 876KB) - How to make your home more environmentally friendly and improve its energy efficiency.

Guide to home security - A look at the precautions you can take to protect your family home and contents.

What is home insurance? - We explain the typical aspects of buildings and contents protection.

Security tips for students - Some steps you can take to help keep belongings safe at University or College.

Home insurance glossary - An A-Z glossary featuring commonly used home insurance terms.

 

For questions and quotes

Call 0800 260 0717

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

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