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.

Double Nectar points

Earn twice the points on your Sainsbury's shopping and fuel†

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

Customise your cover

Need extras to meet your needs? Choose away.

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.

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.

You can protect your No Claims Discount and get money off your cover for every year you're claim-free.

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

†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.

Choose your cover

Explore our cover

Here’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)
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) tick tick Add RAC Breakdown Cover to get you back on the road if your car breaks down.
Damage to your windscreen tick cross With third party, fire and theft, you can add our Windscreen Cover as an optional extra. 
A courtesy car – three-door hatchback tick cross
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
tick tick Add No Claims Discount Protection to keep hold of your discount
Driving other cars
tick cross  
Liability to other people
tick tick  
Replacement keys and locks
tick cross Add our Key Cover for extra cover when you need it
Driving in Europe
tick tick Add RAC Platinum+ Breakdown Cover to keep you on the road
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
tick cross 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

Optional extras

Get more mileage from your policy with our added extras

Get a quote

Find 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.

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

Get a quote

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

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

See what comes as standard

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


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.