-
Manage your policy online
-
Check your documents
-
Buy another policy
-
Cancel your policy
Car Insurance
Unlock our guaranteed discount for Nectar members ‡
From January 2022 we’ll be making changes to make sure that existing customers will be charged no more than a new customer for car and home insurance. Find out more.
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.
- We'll double the Nectar points you get on your Sainsbury's shopping and fuel for 12 months when you purchase by 31/05/2022 †
- 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.
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
-
Cancel your policy
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
| What's included | Comprehensive cover | Third party, fire and theft | ||
|---|---|---|---|---|
| Standard | Plus | Standard | Plus | |
|
Loss or damage to your car (except fire and theft) |
 |
|
 |
|
|
Loss or damage to your car (by fire and theft) |
|
|
|
|
|
|
|
|
|
|
A courtesy car – three-door hatchback |
|
|
|
|
|
No claims discount and named driver no claims discount |
|
|
|
|
|
Driving other cars |
|
|
|
|
|
Liability to other people |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
New car cover |
|
|
|
|
|
Medical expenses |
|
|
|
|
|
|
|
|
|
|
Personal accident |
|
|
|
|
|
Protection against uninsured drivers |
|
|
|
|
|
Breakdown cover |
|
Bronze level cover only |
|
Bronze level cover only |
|
Motor Legal protection |
|
|
|
|
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.
Not 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.
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.
‡ 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. Offer available to customers buying a new car insurance policy by 31/05/2022.
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 12 months after your policy start date or when the policy is cancelled or you stop paying premiums - whichever happens first.
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.
| Your optional extras | Comprehensive cover | Third party, fire and theft | ||
|---|---|---|---|---|
| Standard | Plus | Standard | Plus | |
|
Optional |
Bronze level cover only |
Optional |
Bronze level cover only |
|
|
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 |
Optional |
Optional |
|
No Claims Discount Protection - keep your discount when you make a claim |
Optional |
Optional |
Optional |
Optional |
|
Key Cover - get replacement locks and keys if you're locked out |
Optional |
Optional |
Optional |
Optional |
|
|
Optional |
Optional |
|
|
Excess Cover - claim back the total excess you have to pay if you make an eligible claim |
Optional |
Optional |
Optional |
Optional |
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.
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
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Supporting the people of Ukraine
Sainsbury’s Bank is here to support customers who are helping the Ukrainian refugee humanitarian aid operation both here in the UK and Abroad:
In the UK:
If you want to use your car to transport goods around the UK to aid in the humanitarian crisis unfolding in Ukraine, you do not need to inform us and your cover will not be impacted.
In the European Economic Area (excluding Ukraine, Moldova and Belarus):
If you want to use your car to deliver humanitarian aid to other parts of Europe in response to events unfolding in Ukraine, your Sainsbury’s Bank insurance policy will provide you with the same level of cover as you have in the UK for up to 90 days within any one period of insurance, if you have comprehensive cover, or up to 35 days if you have third party fire and theft cover.
We encourage you to familiarise yourself with regulations around the cross-border transport of goods and abide by any travel advice issued by the Foreign, Commonwealth & Development Office.
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
- Cancel your policy
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
Did you take out your policy 01 June 2011 - 02 March 2017?
Underwritten by UK Insurance Limited
-
How to make your claim
-
FAQs
-
Cancel automatic renewal
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, 2.4 MB]
Guide to no claims discount [PDF, 714 KB]
Guide to breakdown basics [PDF, 767 KB]
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