Discover the discounts available for careful driving
expanded Car insurance
Our car insurance features
You’ll get these features as standard with our car insurance policies:
- No claims discount – for you and your named driver
- Driving in Europe – you’ll be covered to drive in certain European countries for up to 35 or 90 days depending on which policy you choose
- Replacement child car seat – we’ll replace your child car seat if you have an accident, even if there's no physical sign of damage to the seat
- New car cover – if your car’s less than a year old and you’re the first and only registered owner, we'll replace it with a new car of the same make and model if it’s stolen or written off
Why take out car insurance with us?
You’ll get exclusive rewards and discounts on your car insurance if you have a Nectar card. And you can choose the level of cover that suits you and your budget. With our carefully selected range of insurers, we'll find you the best price we can for your car insurance. Happy car, happy pocket.
- We'll double the Nectar points you get on your Sainsbury's shopping and fuel†
- Discount on your car insurance just for having a Nectar Card‡ and we’ll automatically apply your discount when you enter your Nectar card number
- Plus, get even more Nectar points if you take out more than one type of insurance – find out just how many you could get with our Nectar points calculator
Pick the right cover for you
Choose between comprehensive and third party cover depending on the level of protection you need.
- Cover your car and yourself with our comprehensive cover option
- Or protect your car against certain types of accidents with third party, fire and theft car insurance
Compare our car insurance
| What's included? | Comprehensive | Third party, fire and theft |
|---|---|---|
| Loss or damage to your car (except fire and theft) |
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| Loss or damage to your car (by fire and theft) |
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| Damage to your windscreen |
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| A courtesy car – three-door hatchback |
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| No claims discount and named driver no claims discount |
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| Driving other cars |
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| Liability to other people |
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| Driving in Europe |
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| Replacement child car seat |
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| New car cover |
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| Medical expenses |
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| Personal belongings including your Sainsbury's shopping |
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| Personal accident |
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| Protection against uninsured drivers |
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Tailor your cover |
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| RAC Breakdown Cover | Optional | Optional |
| Motor Legal Protection - cover your expenses if you have to go to court |
Optional | Optional |
| 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 |
| Windscreen Cover | |
Optional |
Add on some optional extras
Need extras to meet your needs? Choose from breakdown cover, no claims discount protection and more in our optional extras section.
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
No Nectar card?
No problem, just register for your free card and you'll get your Nectar number straight away.
collapsed Terms and conditions † ‡
†Double Nectar points.
1) Only available to customers buying a new Sainsbury's Bank Car Insurance policy.
2) You need to tell us your Nectar card number when you apply, and use this card with each Sainsbury's purchase.
3) Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us.
4) Double points stop when the policy is cancelled or you stop paying premiums.
5) Each Nectar account can only collect points from one car insurance policy.
6) It’s only the base points you collect at Sainsbury’s that are doubled. If you’re taking part in the new Nectar trial, it’s the points you get on new Nectar that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s Bank (including travel money purchases), Sainsbury’s Energy or any other Sainsbury’s service.
7) By the 10th of each month, you'll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points.
8) Sainsbury's Supermarkets Ltd award the points from this offer.
9)No cash alternative is available. Sainsbury's Bank reserves the right to alter, cancel or withdraw this offer without notice.
‡Guaranteed discount for Nectar card holders: 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 card. For more information go to sainsburysbank.co.uk/nectar.
Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.
Optional extras
Tailor your cover
Whether you’ve chosen comprehensive cover or third party, fire and theft cover, you can add even more protection to your policy with our optional extras. For an additional cost, you can insure yourself against lost car keys, breakdowns and more. So you know you’ll be covered for the things that matter most to you.
| Your optional extras | Comprehensive | Third party, fire and theft |
|---|---|---|
| RAC Breakdown Cover | Optional | Optional |
| Motor Legal Protection - cover your expenses if you have to go to court | Optional | Optional |
| 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 |
| Windscreen Cover | |
Optional |
Want to know what’s included as standard in your policy? Take a look at our comparison table.
Got a question?Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.
‡ Guaranteed discount for Nectar card holders: 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 card. For more information go to sainsburysbank.co.uk/nectar
Get a quote
Find out moreFeatures
Reap the insurance benefits
Our car insurance covers you bumper to bumper giving you peace of mind to keep on motoring. We've got Comprehensive Cover with lots of features as standard, such as a courtesy car and windscreen cover. And our Third Party, Fire and Theft comes with things like No Claims Discount and child seat replacement cover as standard. And that's before you add any optional extras, which are available for an additional cost. Whether it's RAC Breakdown Cover or our Motor Legal Protection, you can get the insurance you're after.
No Claims Discount for named drivers
Discounts for named drivers when they take out a policy with us
Courtesy car
Keep on moving while an approved repairer is working on your car following a claim
Windscreen cover
Covering the cost of cracks and chips
European cover
Cover up on holiday – with our policies you’re covered in Europe too
Child seat replacement cover
You don’t take risks with your child’s safety – and neither do we
Up to £200 for your Sainsbury's shopping
Cover from your wellies to your weekly shop
Add some extra
Get more mileage from your policy with our added extras
Got a question?
Get answers to our most commonly asked questions
Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.
Existing customers
Already got car insurance with us?
If you took out your policy with us on or after 1st February 2017 then you can manage your account online. The link below will take you to our online portal where you can log in or register for an online account to change your details, add extra cover and more. For policies that started before this date, you can find out how to make a claim and answers to our FAQs.
Did you take out your policy on (or after) 1 Feb 2017?
Underwritten by one of a panel of insurers
- Manage your policy online
- Check your documents
- Buy another policy
Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.
Guides
The extra mile
Take a look at our guides to help answer your questions on all things car related, from looking after your car and driving in winter to what to do in an accident.
Guide to car insurance
Guide to driving in winter (PDF, 2.3MB)
Guide to driving in Europe
Guide to car maintenance
Guide to no claims discount (PDF, 697KB)
Guide to breakdown basics (PDF, 749KB)
Guide to car insurance excess
Guide to car insurance groups
Guide to what to do if you have an accident
Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.