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.


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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cross
Loss or damage to your car (by fire and theft) tick tick
Damage to your windscreen tick cross
A courtesy car – three-door hatchback tick cross
No claims discount and named driver no claims discount
tick tick
Driving other cars
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Liability to other people
tick tick
Driving in Europe
tick tick
Replacement child car seat
tick tick
New car cover
tick tick
Medical expenses
tick cross
Personal belongings including your Sainsbury's shopping
tick cross
Personal accident
tick cross
Protection against uninsured drivers
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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, you can still get a discount. Just register for a Nectar card and you'll get your card number straight away.

†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.


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.

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.

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 tick 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.

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.

‡ 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 more

Features

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

Discover the discounts available for careful driving

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


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.

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.

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

Did you take out your policy
1 June 2011 - 2 March 2017?

Underwritten by UK Insurance Limited
  • How to make your claim
  • FAQs

Did you take out your policy before 1 June 2011?

Underwritten by eSure Insurance Limited
  • How to make your claim
  • FAQs

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.

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.

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


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.

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.