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Sainburys Bank Car Insurance, Drive Happy

Car insurance features

Unlock our guaranteed discount for Nectar members‡

Explore our car insurance benefits 

There’s lots to think about when taking out a car insurance policy. But that doesn’t mean finding a policy to suit your budget and needs has to be a bumpy ride.

The main thing is knowing which essential services and benefits you want your car insurance to cover. Our flexible Comprehensive and Third Party, Fire and Theft policies both come with many features as standard, and a host of optional extras. 

No Claims Discount

What happens if you don’t make a claim?

No Claims Discount for named drivers

Get a discount for named drivers when they take out a policy with us.

Courtesy car

With our comprehensive cover you won’t be left stranded if your car needs repair work when you claim.

Windscreen cover

This comprehensive car insurance feature covers the cost of repairing cracks and chips.

European cover

Planning a road trip through Europe? We’ve got you covered.

Child car seat replacement cover

We’ll make sure your child’s seat is replaced if something happens to your car.

Up to £200 for your personal belongings

Cover for belongings that are damaged or lost while in your car with our comprehensive policy.

Exclusive Nectar rewards

Nectar members get exclusive rewards† and a guaranteed discount‡.

Got a question?

Check our FAQ section for answers to questions people ask us most.

Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.  


Tailor your policy with optional extras

If you’d like to boost your car insurance with even more protection, you can customise your policy with our optional extras. We have things like RAC Breakdown Cover and Motor Legal Protection.


Limits, exclusions and excesses 

It’s important to read up on the cover limits, exclusions and excesses that apply before you take out a policy. For more details about what's covered and what's not, take a look at our car insurance policy documents.

Ready to get a car insurance quote? 

If you know what car insurance features and optional extras you want, let us find you our best price. 


Already a customer? 

If you already have car insurance with us and want to discuss or change your policy, visit our section for existing customers.

Have you tried our app?

Download our car insurance app and manage your policy quickly and easily on the go:

●    See cover details and renewal dates
●    Upload documents like proof of no claims
●    Make changes to cover with no admin fee
●    Find out how to make a claim

Download on Google Play or App Store.

Download on the App Store Get it on Google Play


Useful guides and information

Guide to car insurance

Learn more about how car insurance works and the different types of cover to know about.

Car insurance glossary

Do you know what ‘accidental recovery’ or ‘fronting’ means? Our glossary can help. 

All tools and guides

Our guides cover everything from car insurance excess and driving in winter to what to do in an accident.

Need help? 

If you can’t find what you’re looking for on this page, take a look at our Car Insurances FAQs

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

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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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