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Personal belongings cover

We’ll even protect your Sainsbury’s shopping

Our car insurance covers your personal belongings

With our Standard and Plus comprehensive insurance policies, you’ll get up to £200 if any personal belongings and clothes in your car get stolen, lost or damaged by an accident or a fire

We'll also give you up to £200 for your Sainsbury's shopping if it's damaged by theft, attempted theft, fire, or if you're in an accident while driving home from the shops.

What's not covered?

There are some personal belongings we don't cover:

  • Money, jewellery, credit or debit cards, stamps and vouchers
  • Business items
  • Anything covered by another policy
  • Anything that wasn't hidden from view in the car – except your Sainsbury's shopping
  • Anything stolen when your car was unlocked, had the keys in it, or a window, door or roof was open
  • Loss or damage to laptops, mobile phones, smart phones, tablets or things like sat navs
  • Fuel, including fuel bought from a Sainsbury’s filling station 

This feature is not available as part of our Third Party, Fire and Theft policy or Essentials Comprehensive policy. Also note that exclusions, excesses and limits apply – you can find out more about our personal belongings cover in our car insurance policy documents.

Get more mileage from your policy

Tailor your policy and make it work harder for you by adding optional extras to your car insurance, for an additional cost:

Choose between two insurance policies – Comprehensive with three levels of cover (Essentials, Standard and Plus) or Third Party, Fire and Theft – with two levels of cover (Standard and Plus).


Rewards for Nectar members 

Are you a Nectar member? You can enjoy a guaranteed discount‡ with our car insurance. If you’re not a member yet, it’s easy to join. Just download the Nectar app or head to to sign up and start saving  straightaway.  

Download our car insurance app 

Manage your policy on the move with our convenient app. You can use it to:

  • View policy cover and renewal dates 
  • Upload documents such as proof of no claims 
  • Make changes to cover with no admin fee 
  • Find out how to make a claim

Download on App Store or Google Play.

Download on the App Store Get it on Google Play

Useful guides  

Our handy guides are full of helpful tips and advice about how to choose the right car insurance and much more.Our handy guides are full of helpful tips and advice about how to choose the right car insurance and much more.

Car insurance explained

Confused about car insurance? Our guide breaks it down.

What to do if you have an accident

While nobody wants to think about the worst happening, it’s sensible to prepare. 

Browse all guides

For more helpful hints, tips and advice, take a look at our full list of car guides.

Got more questions?  

You might find the answer on our car insurance FAQs. Or, just get in touch and our friendly team will be happy to help.

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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