Discover the discounts available for careful driving
expanded Our 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 are a Nectar member. 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.
Prices start from £205 for comprehensive cover excluding add ons.* 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 being a Nectar member‡ 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
- Download our app to check your cover details and make changes to keep your policy up to date
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.
*10% of Nectar members paid this price or less. Correct as at 29 January 2020.
Download our app
Our Car Insurance app is designed to help you keep tabs on your policy and cover options. Here’s the handy things it’ll help you do:
- 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 Google Play or App Store.
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 cover | Third party, fire and theft | ||
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| Standard | Plus | Standard | Plus | |
| 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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| Breakdown cover | |
Bronze level cover only |
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Bronze level cover only |
| Motor Legal protection | |
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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.
Get a quoteNot a Nectar member?
No problem, you can still get a discount. Just register as a Nectar member and you'll get your card number straight away.
collapsed Terms and conditions
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.
Terms and conditions
*6,000 Nectar points offer
1. This offer is only available when you take out a new Sainsbury's Bank Car Insurance policy.
2. We'll add 6,000 points to your Nectar account within 60 days of your policy start date, unless your policy is cancelled during this period.
3. If we've offered you a different number of points elsewhere, we'll give you whichever is the bigger number.
4. You need to tell us your Nectar card number when you get your quote.
5. This offer is not available if you buy through a price comparison site, so you need to apply direct on the Sainsbury's Bank website.
6. Points awarded once per Nectar account.
7. This offer can’t be transferred to anyone else.
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9. We reserve the right to change or cancel this offer without notice.
**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 sainsburysbank.co.uk/privacy.
***Double Nectar points offer
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 scan or swipe that card, or input your card number, 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. 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. No cash alternative is available.
9. We reserve the right to change or cancel this offer without notice.
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.
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Want to know what’s included as standard in your policy? Take a look at our comparison table.
Get a quoteGot 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 members: 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 sainsburysbank.co.uk/privacy
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
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 members: 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 sainsburysbank.co.uk/privacy
Existing customers
We're going through unprecedented times. And, as the impact of Coronavirus (COVID-19) begins to be felt across the UK, it's possible that our contact centres may be affected resulting in reduced service levels. In such circumstances, please bear in mind that you can still access your account 24/7 online and make changes whenever you want – plus there’s no admin fee. To make this even easier, you can also download our app.
Why use the Portal?
Checking your details is quick and easy. You can also:
- Keep your policy up to date by making changes like changing your car or adding a driver, changing your address or cover if you need to
- View your insurance documents online, with instant access whenever you need them
- Upload documents like proof of no claims discount
- Renew your policy and pay online if you need to
To make managing your policy even easier these great features are also available on our app which you can download from the App Store or Google Play. You can login using the same details.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
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
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 members: 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 sainsburysbank.co.uk/privacy
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 driving in winter (PDF, 2.3MB)
Guide to no claims discount (PDF, 697KB)
Guide to breakdown basics (PDF, 749KB)
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.
‡Guaranteed discount for Nectar members: 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 sainsburysbank.co.uk/privacy