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Comprehensive car insurance

Comprehensive car insurance

Unlock our guaranteed discount as a Nectar member‡

What is comprehensive car insurance?

Protect yourself and your car with our highest level of cover. Comprehensive car insurance covers you and your car, as well as third parties and their cars when you’re at fault. Going fully comprehensive means we’ll also include protection against uninsured drivers, plus loss or damage to your car. 

Although we don’t like to think about something going wrong, it’s important that you feel confident on the road. Be safe in the knowledge that you’re covered for a whole range of mishaps and damage.

Key benefits 

  • Comprehensive cover for you, your car and third parties
  • No claims discount for you and other named drivers
  • You’ll be protected against uninsured drivers 
  • Get a replacement child car seat if you’re in an accident, to keep your little ones safe
  • Discount on your car insurance just for being a Nectar member‡

See all the details of our fully comprehensive insurance below. 

What we cover

Our comprehensive insurance comes with an extensive range of protections, plus the option to add extra cover.

Comprehensive Essentials Standard Plus
Your car is covered for loss or damage 
Personal accident cover plus liability to other people
Damage caused while driving other cars
No claims discount for you and other named drivers
A replacement car seat for your child after an accident
European cover - up to 90 days of your full cover to drive in any EU country, as well as Iceland, Norway and Switzerland
Protection against uninsured drivers
Cover for your personal belongings and Sainsbury's shopping in or on your car
Windscreen damage
A courtesy car to keep you on the move if your car needs repairs


Tailor with optional extras

For an additional cost we have a range of optional extras that you can add to your insurance.

Comprehensive  Essentials Standard Plus
RAC Breakdown Cover Optional Optional

Bronze level cover only

Motor legal protection - your expenses are covered if you have to go to court Optional Optional
Guaranteed courtesy car - upgrade your courtesy car and get one the same size as your own Optional Optional Optional
No claims discount protection - don’t lose your discount if you make a claim Optional Optional Optional


Cover limits, exclusions and excesses apply. For a full list of what’s covered – and a comparison with third party, fire and theft – go to choose your cover.

Ready to get your quote?

If you’re a Nectar member, you can get discounts on your car insurance. 

Not a Nectar member? No problem, just download the Nectar app or register at


Find the right car insurance for you

Not sure comprehensive car insurance is exactly what you need? 

We also offer third party, fire and theft to cover your liability to others and damage to your car caused by fire or theft.

Guide to car insurance

Learn more about car insurance and the different levels of cover.

Over 50’s car insurance

Our guide explains why you might be able to benefit from lower car insurance costs.


Confused by car insurance jargon? Check the definition in our glossary. 

Terms and conditions

‡Guaranteed discount
The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to


Sainsbury’s Bank Car Insurance is arranged and administered by Sainsbury’s Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

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