Earn twice the points on your Sainsbury's shopping and fuel†
expanded Car insurance
Tailor your car insurance and double your Nectar points
Switch your car insurance to us to get the cover that suits you, and double Nectar points on your Sainsbury's shopping and fuel. Happy car, happy pocket.
Tailor your cover
Comprehensive cover, third party fire and theft, or extras such as European Breakdown Cover
Discounted car insurance
You'll get money off your car insurance payments just for having a Nectar Card‡
Just pick the cover that suits you
- Comprehensive cover. Protects you and your car, and anyone else and their cars if it's your fault. Read about comprehensive cover
- Third party, fire and theft. The essentials for cover (and we've added a few extras to put your mind at rest). See third party, fire and theft cover
Customise your cover
Need extras to meet your needs? Choose away.
collapsed Courtesy car
You'll get a small hatchback as standard when you take out comprehensive cover while your car is with an approved repairer following a claim. Or you can have a bigger car by paying a little extra.
collapsed Windscreen cover
Your windscreen's protected when you take out our comprehensive cover. You can also add windscreen cover as an extra if you take third party, fire and theft.
collapsed No Claims Discount
You can protect your No Claims Discount and get money off your cover for every year you're claim-free.
collapsed European cover
You'll get cover in Europe as standard. And you can choose RAC European breakdown cover as a paid extra.
No Nectar card?
No problem, you can still get a discount. Just apply for your free loyalty card, and you'll get your Nectar number straight away.
Get a car insurance quote
With our carefully selected range of insurers, we'll find you the best price we can for your car insurance
Add some extras
Put together your ideal cover
Need answers?
See our most commonly asked questions and handy guides
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.
7) Bonus points won't be doubled, nor will any points from Argos, Habitat, Sainsbury's Bank, Sainsbury's Energy or any other Sainsbury's service.
By the 10th of each month, you'll get a bonus point award equal to the total of your base points during the previous month, up to a maximum of 20,000 points.
8) Sainsbury's Supermarkets Ltd award the points from this offer. Aimia Coalition Loyalty UK Ltd run the Nectar loyalty programme.
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. Don't forget to add your Nectar card number to your application. For more information go to sainsburysbank.co.uk/nectar.
Choose your cover
Explore our coverHere’s our Comprehensive and Third Party, Fire and Theft cover insurance at a glance – as well as our optional extras. So you can compare and choose what you need more easily.
| What's included? |
Comprehensive | Third party, fire and theft | Optional extras - additional cover you can add to your policy for an extra cost |
|---|---|---|---|
| Loss or damage to your car (except fire and theft) |
 |
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Add RAC Breakdown Cover to get you back on the road if your car breaks down. |
| Loss or damage to your car (by fire and theft) |
|
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Add RAC Breakdown Cover to get you back on the road if your car breaks down. |
| Damage to your windscreen |
|
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With third party, fire and theft, you can add our Windscreen Cover as an optional extra. |
| A courtesy car – three-door hatchback |
|
|
Add our enhanced Guaranteed Courtesy Car for a similar size car as yours for 14 or 21 days. |
| No Claims Discount and Named Driver No Claims Discount |
|
|
Add No Claims Discount Protection to keep hold of your discount |
| Driving other cars |
|
|
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| Liability to other people |
|
|
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| Replacement keys and locks |
|
|
Add our Key Cover for extra cover when you need it |
| Driving in Europe |
|
|
Add RAC Platinum+ Breakdown Cover to keep you on the road |
| Replacement child car seat |
|
|
|
| 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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Add Motor Legal Protection to cover your legal expenses if you go to court after an accident |
For more detail about what's covered and what's not, have a look at our policy documents.
Comprehensive car insurance
See what’s covered with our 5 Star Rated, by Defaqto, insurance
Third party, fire and theft car insurance
See what's covered
Optional extras
Get more mileage from your policy with our added extras
Get a quote
Find out moreOffers
A little something extra
At Sainsbury's Bank we want to help push your budget that extra mile. So, when you buy our car insurance, check our offers to see how you can get from A to Z with a little more in your pocket.
Our latest offers
- Double Nectar points on your Sainsbury's shopping and fuel for as long as you have car insurance with us†
- Guaranteed discount for Nectar card holders
As a thank you for being a Nectar card holder you'll automatically get a discount on your car insurance within your quote. Get a quote today.‡
It's free and you can get a Nectar card number straight away at nectar.com, allowing you to get our extra perks. Just enter your Nectar number when you're asked to. With your Nectar card you can also collect and spend Nectar points at Sainsbury's and with lots of other brands.
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.
7) Bonus points won't be doubled, nor will any points from Argos, Habitat, Sainsbury's Bank, Sainsbury's Energy or any other Sainsbury's service.
By the 10th of each month, you'll get a bonus point award equal to the total of your base points during the previous month, up to a maximum of 20,000 points.
8) Sainsbury's Supermarkets Ltd award the points from this offer. Aimia Coalition Loyalty UK Ltd run the Nectar loyalty programme.
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. Don't forget to add your Nectar card number to your application. For more information go to sainsburysbank.co.uk/nectar.
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
Optional extras
Take your insurance up a gear
Whether you’ve chosen Comprehensive Cover or Third Party, Fire and Theft Cover, we’ve got a range of optional extras, for an additional cost, to help you get more mileage from your policy. If you lose your car keys, our Key Cover will get you back behind the wheel. Or if your car breaks down, our RAC Breakdown Cover can come to the rescue and have you on the road again in no time.
No Claims Discount protection
Discover the discounts available for careful driving
Guaranteed courtesy car
A car a similar size as yours for 14 or 21 days
Windscreen cover third party, fire & theft
Covering the cost of cracks and chips
Motor legal protection
Cover your costs if you need to go to court for an accident that wasn’t your fault
RAC Breakdown Cover
Getting you to where you need to be
Key cover
Don’t get shut out in the cold
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
We’ve answered some of the most common car insurance questions.
Maybe you’re looking to make a claim, add some extra cover to your policy, or change a few details: You might just have a question, or want to check what’s covered. You can do all that from here. Just tell us when you first took out your policy and we’ll point you in the right direction:
- On or after 1 February 2017 and it is underwritten by one of our panel of insurers (not UK Insurance Limited)
- Between 1 June 2011 and 2nd March 2017 and it is underwritten by UK Insurance Limited
- Before 1 June 2011 and it is underwritten by eSure Insurance Limited
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.
And if you can’t find what you’re looking for, or you’d prefer to speak to someone instead, you can get in touch with our car insurance Customer Service team on the number below. They’re on hand to help with whatever you need.