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Sainburys Bank Car Insurance, Drive Happy

Car insurance - optional extras

Unlock our guaranteed discount for Nectar members‡

Looking for extra insurance for your car?

Car insurance add-ons can help make sure you are covered for a range scenarios and types of costs, in case of a car accident or incident.

Whether you’ve got our comprehensive cover or third party, fire and theft cover, you can tailor your policy with our optional extras for an additional cost – to give yourself and your car even more protection.

What's included Comprehensive cover Third party, fire and theft
  Essentials Standard Plus Standard Plus
RAC Breakdown Cover Optional Optional

Bronze level cover only


Bronze level cover only

Motor Legal Protection – we’ll cover your expenses if you have to go to court Optional Optional Optional
Guaranteed Courtesy Car – upgrade your courtesy car to a car the same size or bigger than yours Optional Optional Optional Optional Optional
No Claims Discount Protection – keep your discount when you make a claim Optional Optional Optional Optional Optional
Windscreen Cover  we take care of repairs or replacements if accidentally broken Optional Optional
Excess Cover – claim back the total excess you have to pay if you make an eligible claim Optional Optional Optional Optional Optional


Cover limits, exclusions and excesses apply. For more information about what's covered and what's not, have a look at our policy documents.


Pick the right cover for you

If you’re not sure what car insurance extras you need, compare our policies to see what’s included as standard. 


Nectar member rewards 

Whether you add optional extras to your car insurance or not, you’ll get a guaranteed discount‡ as a Nectar member. 

Not a Nectar member? No problem. Just download the Nectar app or register at to get your card number straight away 

Already a customer? 

If you already have car insurance with us and want to chat to us or change your policy, visit our section for existing customers.

Download our app

It’s easy to manage your policy at home or on the go, using our car insurance app:

●    See cover details and renewal dates
●    Upload documents like 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.

Download on the App Store Get it on Google Play

Useful guides and information

Guide to car insurance

Learn more about how car insurance works and the different types of cover to know about.

Guide to car maintenance

Find out how often you should get your car serviced, which checks you can do yourself and more.

All tools and guides

Our guides cover everything from car insurance excess and driving in winter to what to do in an accident.

Need help? 

If you have questions, our car insurance FAQ section is a good place to start. And if you can’t find what you’re looking for there, just get in touch.

Terms and conditions

‡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

View more

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.

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