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Sainsbury's Bank Car Insurance - Drive Happy

Third party, fire and theft car insurance

Unlock our guaranteed discount for Nectar members ‡

What is third party, fire and theft insurance?

If you’re in an accident that’s your fault, third party car insurance (the minimum level of cover you need to have by law) protects other people, as well as their cars and property. 

With third party, fire and theft car insurance, you’ll also be protected if your car is damaged by fire, or if it’s stolen. And if an attempt to steal your car results in damage you'll be covered for that too.

Our third party, fire and theft policy makes sure you have the basics covered. 

Key benefits 

  • Third party insurance covering your liability to others in an accident
  • Cover for any damage to your car caused by fire or theft
  • Earn a no claims discount for you and other named drivers
  • Enjoy up to 35 days of full insurance cover to drive in any EU country, as well as Iceland, Norway and Switzerland 
  • Discount on your car insurance just for being a Nectar member‡

See all the details of what our third party, fire and theft car insurance covers below.

What we cover

If you’re in an accident, we want you to feel confident that you’re covered for all the essentials. 

Third Party, Fire & Theft Standard Plus
Your car is covered for loss or damage caused by fire or theft

Liability to other people

No claims discount for you and other named drivers

replacement car seat for your child after an accident

European cover - up to 35  days of full cover to drive in any EU country, as well as Iceland, Norway and Switzerland


Tailor your car insurance 

Third Party, Fire and Theft Standard Plus

RAC Breakdown Cover


Bronze level cover only

Motor legal protection - we’ll cover your expenses if you have to go to court 


Guaranteed courtesy car - get a courtesy car the same size as your insured car



No claims discount protection - don’t lose your discount if you need to make a claim




Cover limits, exclusions and excesses apply. For more detail about what’s covered and what’s not, take a look at our policy documents.

If you’d like to compare third party, fire and theft with our comprehensive car insurance, go to choose your cover

Ready to get your quote?

If you’re a Nectar member, you can get a discount on your car insurance. 

Not a Nectar member? No problem, just download the Nectar app or register at



What car insurance cover should you get?

Third party, fire and theft not quite what you’re looking for? We also offer comprehensive car insurance, which is a higher level of cover for you and your car. 

Or, tailor your policy to include the features that matter to you. You can add breakdown cover, motor legal protection, and more for an extra fee thanks to our optional extras

Useful guides

Guide to car insurance

Find out what you need to know about car insurance and why it’s essential


Check our handy glossary for definitions of lots of car insurance terms

Young drivers’ car insurance guide

Find out how to reduce the cost of your young drivers car insurance

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