Overview
Save money with Sainsbury's home insurance
Sainsbury’s home insurance can help you to save money – take a look at the latest offers.
Up to 50% off if you have 5 years claims free - OFFER EXTENDED
Take advantage of this extended offer by purchasing a new Sainsbury's home insurance policy on or before 9th September 2013 and you could receive up to a 50% discount if you have 5 years claims free. This offer includes an up to 25% introductory discount, available to all new customers in their first year, but is not applicable to optional extras purchased.
Treat yourself or your family with a £30 Sainsbury's Gift Card
If you purchase a new combined buildings and contents home insurance policy by calling 0800 260 0717 or applying direct from the Sainsbury's Bank website, on or before 3rd June 2013, then you'll also receive a £30 Sainsbury's Gift Card. The gift card will be despatched 60 days after your policy start, providing your policy is still live. Offer limited to one gift card per household. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.
PLUS enjoy these 2 additional rewarding home insurance offers
Enter your Nectar card number for up to a further 15% off your home insurance policy.
At least 10% of Nectar collectors who are Sainsbury's shoppers will achieve the maximum discount of 15%. Up to 15% discount based on your circumstance 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.
Up to a 20% discount when you buy online
Purchase any home insurance policy online to receive this extra discount.
Where multiple discounts apply, each discount is applied consecutively to the reduced premium.
Features of Sainsbury's home insurance include:
- Choose cover to suit your home
Everyone's home is different so you can choose between two levels of cover: Sainsbury's Home Insurance and Sainsbury's Premier Cover Home Insurance. Both offer contents only cover, buildings only cover or combined buildings & contents cover.
Compare our levels of Home Insurance cover. - Additional cover for added reassurance
For an additional cost, optional extras (excluding Keycare) can be added to Sainsbury's Home Insurance, however purchase Sainsbury's Premier Cover Home Insurance and these features are included as standard. - Double Nectar points for 2 years on Sainsbury's shopping
When you purchase a new combined buildings & contents Premier Cover Home Insurance policy. Renew your Premier Cover policy at the same cover level at first renewal to continue collecting double points.
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. 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.
| Feature | Sainsbury's Home Insurance | Sainsbury's Premier Cover Home Insurance |
|---|---|---|
| Sum insured (single valuable item) | Up to £50,000(up to £2,000) | Up to £100,000 (up to £3,000) |
| Downloaded information | Up to £1,000 | Up to £3,000 |
| Contents in the open | Up to £500 | Up to £2,500 |
| Student belongings | Up to £5,000 | Up to £10,000 |
| 12 months repairs guarantee using approved repairers |  | |
| Household removal-cover whilst on the move | Up to contents sum insured | Up to contents sum insured |
| Special events increased cover* | Up to £5,000 | Up to £10,000 |
| Additional cover - for individual limits please refer to Additional cover tab | ||
| Home Emergency# | Optional extra | |
| Contents Accidental Damage | Optional extra | |
| Family Legal Protection | Optional extra | |
| Personal Possessions | Optional extra | |
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. 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.
| Feature | Sainsbury's Home Insurance | Sainsbury's Premier Cover Home Insurance |
|---|---|---|
| Sum insured | Up to £1,000,000 | Unlimited |
| Alternative accommodation | Up to £25,000 | Up to £50,000 |
| Loss / theft of keys | Up to £500 | Unlimited plus Keycare |
| Trace & access - cover to help locate leaks | Up to £5,000 | Up to £5,000 |
| Additional Cover | ||
| Home Emergency# | Optional extra | |
| Buildings Accidental Damage | Optional extra | |
| Family Legal Protection | Optional extra | |
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).
| 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 | Protection of your personal belongings and non-permanent fixtures and fittings like carpets and curtains against non-deliberate damage. |
| Buildings Accidental Damage | Protection 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 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. 24-hour legal advice and cover for your salary whilst you attend jury service is also provided. |
| Personal Possessions | Cover for items that you would normally take out of the house such as jewellery, cameras, sports equipment and laptops (max. limit of £2,500 (Home Insurance) and £5,000 (Premier Cover Home Insurance) – single item limit and additional limits & conditions apply). |
| Keycare | Annual 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 policy documents before you buy.
