What is comprehensive car insurance?

This is our highest level of cover. It covers you, your car, and third parties and their cars when you're at fault.

What we cover

Our comprehensive cover is packed with features from a replacement child car seat to European cover. So when you’re out on the road, all you need to worry about is keeping your eyes on it.


Comprehensive Standard Plus
Loss or damage to your car tick tick
Liability to other people & personal  accident cover tick tick
Driving other cars tick tick
No claims discount for you and other named drivers tick tick
Child seat replacement cover – we don’t take risks with your child’s safety tick tick
European cover - we'll give you up to 35 days of your full cover to drive in any EU country, as well as Iceland, Norway and Switzerland
tick tick
Protection against uninsured drivers
tick tick
Cover for your personal belongings and  your Sainsbury's shopping tick tick
Cover for windscreen damage tick tick
Courtesy car tick tick
Tailor your cover
RAC Breakdown Cover Optional tick
Bronze level cover only
Motor legal protection - cover your expenses if you have to go to court Optional tick
Guaranteed courtesy car - upgrade your courtesy car to a car the same size or bigger than yours Optional Optional
No claims discount protection - keep your discount when you make a claim Optional Optional
Key cover - get replacement locks and keys if you're locked out 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.

‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarkets and Sainsbury's Bank using your Nectar account. For more information go to sainsburysbank.co.uk/nectar