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expanded Car insurance
For the cover you need – boot to bonnet
We understand that everyone's lives are different and you're not just driving from A to B, you might be driving from athletics to ballet. Which is why we listened to you, our Sainsbury's shoppers, and shaped our car insurance around your needs.
You can buy our Comprehensive or Third Party, Fire and Theft cover, or to get more mileage add some of our optional extras for an additional cost – just choose what's right for you. If you need some help then we have lots of guides you can call upon, from a guide to car insurance excesses to what to do if you have an accident.
Here are just some of the things you could get when you buy a policy:
- Courtesy Car – as standard, with Comprehensive Cover, you'll get a small hatchback when you make a claim and your car is being repaired by one of your insurer's nominated repairers. If that's not big enough, you can upgrade to get a car that is a similar size to yours by adding our enhanced Guaranteed Courtesy Car for an extra cost.
- Windscreen Cover – comes as standard with our Comprehensive Cover or you can add Windscreen Cover to our Third Party, Fire and Theft cover for an extra cost.
- No Claims Discount – get a discount on your insurance for every year you are claim free. Built up 4+ years without claiming? You can add our No Claims Discount Protection for an extra cost.
- European cover – take your car insurance on holiday with you and enjoy the same insurance benefits you do in the UK. Want to take your breakdown cover too? You can add RAC European Breakdown cover for an additional cost.
A little something extra
If you're taking out car insurance with us for the first time, we'll help you make your budget go that bit further:
- Guaranteed discount for Nectar card holders‡
Not got a Nectar card?
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 card 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.
Terms and conditions
‡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
Choose your coverExplore our cover
||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)
||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)||Add RAC Breakdown Cover to get you back on the road if your car breaks down.|
|Damage to your windscreen||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 car the same size 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
|Liability to other people
|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
|Personal belongings including your Sainsbury's shopping
|Protection against uninsured drivers
||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.
Get a quoteFind out more
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.
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.
Existing customersAlready got car insurance with us?
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:
- Before 1 June 2011 and it is underwritten by eSure Insurance Limited
- Between 1 June 2011 and 2nd March 2017 and it is underwritten by UK Insurance Limited
- On or after 1 February 2017 and it is underwritten by another insurer
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.
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
Guide to driving in Europe
Guide to car maintenance
Guide to no claims discount
Guide to breakdown basics
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.