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Home Insurance
Key benefits
Take home our rewarding cover
We’re making home insurance more attractive with Double Nectar points on your Sainsbury’s shopping and fuel for 2 years. New customers just need to take out combined buildings and contents insurance cover, stay with us for 2 years and remain claim free for the first year. You can also pay monthly at no extra cost. At Sainsbury’s we understand the importance of peace of mind. That’s why we’ve chosen St Andrew’s Insurance plc to protect your home and your family's possessions with excellent all round home insurance cover at a fair price.
Choice and value
- Up to 15% discount if you buy buildings and contents cover
- Further 5% discount if you buy online (minimum premium applies)
- Unlimited buildings cover
- Guaranteed repairs on your home
- You can even choose to pay monthly at no extra cost
- Up to 30% no claims discount if you have been claim free for 5 or more years or you can choose to increase this to 40% and protect it with an additional premium
- UK only call centres
Where more than one discount applies, discounts will be applied consecutively to the reduced premium. Minimum premium applies
No Nectar card?
Don’t worry. To take advantage of our Home Insurance offer, you can apply for a nectar card online at www.nectar.com and your card will be sent out straight away. Or pick up a pack instore and fill out one simple form. There’s a Nectar card in the pack so you can start using it as soon as you activate it.
Please make sure you have read our privacy statement before proceeding.
You won’t need your Nectar card for a quote but remember to have your Nectar card number with you when you apply
1. Offer only available to new Home Insurance customers who buy combined Buildings and Contents cover from 6th October 2009. Excludes Landlord cover, Buildings only cover and Contents only cover. 2. Customers must remain claim free for the first year and renew both Buildings and Contents cover at first renewal to continue earning double points. 3. If the policy is cancelled, double points will cease from the cancellation date. 4. If a claim is registered, double points will cease from the next renewal date. 5. Only the first combined Buildings & Contents policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. 6. Base points on qualifying spend in Sainsbury's will be earned 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 points from Sainsbury's Energy, Telecoms, Digital, Bank and all Bonus point offers. 7. 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. 8. The collection and use of Nectar points in the Nectar loyalty programme is governed by the Nectar Collector Rules set out in the registration pack and available at www.nectar.com 9. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.
How it works
Tailor your cover to suit you and your family
Your cover includes a wide range of standard options, and an array of additional options to make sure you can achieve complete protection for your home and contents. Have it your way.
We cover the following as standard
Damage to, including:
- Sanitary ware
- Underground pipes and drains
- Underground tanks
- TV, video and audio equipment
- Computer equipment
- Glass in furniture and mirrors
Treasured possessions:
- Additional cover starting from £5,000
- Cover for high risk items such TVs, PCs, laptops, antiques and jewellery
We can also cover you for the following with an extra premium:
Accidental damage including:
- DIY mishaps
- Damage caused by pets
- Spillages on carpets
Extended protection:
- For personal belongings when you're away from home
- For your children's belongings in student premises
Personal belongings:
- Insure against loss and damage up to £1,500
- Mobile phone cover up to £500
- Includes cost of calls made between time of theft and reporting - up to £25
- Includes cost of calls made to friends and family to give new mobile number - up to £25
Make a claim online
Need to make a claim? Make it quickly and easily with our online tool.
Claim now
Compare competitors
See how we compare
Looking for home insurance? With our suite of benefits and great discounts available, Sainsbury's could be the right choice for you.
| Provider and product | Monthly direct debit fee | Max no claim discount 30% or more† | Unlimited buildings cover | Personal money of £750 or greater††† |
|---|---|---|---|---|
| Sainsbury's Home Insurance | 0% |
|
|
|
| Direct Line Home Insurance | 10% | X | X†† | X |
| More Than Home Insurance | 9% | X | X | X |
| Aviva Direct Home Policy | 12.60% | X | X†† | X |
| Tesco Standard Home | 10% | X | X†† | X |
Policy
See your policy online
You can download and print your policy document with Adobe Acrobat. Get Adobe Reader.
To read the policy document with a screen reader, visit the Access Adobe website. Alternatively, use Adobe’s online conversion tool for pdfs.
Policy document
Policies taken out on or after 16 April 2007 (PDF 476KB)
Important changes to your policy if taken out on or after 16 April 2007 (PDF 23KB)
Please note: Your documents will open in a new browser window and may take some time to download depending on your internet connection.
Change your policy online
If your circumstances have changed and you need to change your policy, you can do it quickly and easily with our online tool.
Change my policy
Terms and conditions
Sainsbury's Home Insurance terms and conditions
Please read our terms and conditions (PDF 63 KB) and privacy statement.
Please note: our terms and conditions document will open in a new browser window and may take some time to download depending on your internet connection.
You can download and print the terms and conditions with Adobe Acrobat. Get Adobe Reader.
Double Nectar
Ready to get a quote
Renewal reminder
Tell us when your other insurance products are due to renew and we'll give you 100 Nectar bonus points.
Customer support
Need help? Just ask
Call 0800 169 8725* quoting S725
Lines are open: Mon - Fri 8am-8pm, Sat 9am-5pm, Sun 10am-2pm.
or send us an email.