Buildings insurance

Underwritten by U K Insurance Limited
Up to 35% off
for Nectar card holders*
Introductory discount, minimum premiums apply

Combined loyalty and web discount available direct online. Introductory discount. Minimum premiums apply. 21% of customers who have a Nectar Card got the 35% web and Nectar card discount and 22% of phone customers who have a Nectar card got the 25% nectar discount from March 2016 to October 2016.*

expanded Overview

Offers exclusive to new customers

  • Up to 35% off* for Sainsbury's shoppers when you buy direct online with a Nectar card. Introductory offer. Minimum premiums apply.

Minimum premiums apply. Where multiple discounts apply, each discount is applied consecutively to the reduced premium.

Choose the cover that suits you

Your home is probably the largest investment you will make in your life and it's important that you consider insuring it. Sainsbury's Bank offer two levels of buildings insurance, so whatever type of home you have, you can find the cover that suits you.

Choice of cover levels:

  • Up to £1 million buildings cover with Sainsbury's Home Insurance
  • Or unlimited buildings cover with Sainsbury's Premier Cover Home Insurance

Both levels include cover for:

  • Alternative accommodation
  • Loss or theft of keys
  • Trace and access to help locate leaks

For more information please see the 'What's covered' tab above.

What's covered

With Sainsbury's home insurance you can choose from two levels of buildings insurance.

The table below shows the main features of both levels of cover. For further information please view the policy booklets on the 'Policy' tab above. Please note if you take out combined buildings and contents policy the cover must be at the same level.

Feature Sainsbury's Home Insurance Sainsbury's Premier Cover Home Insurance
Sum insured Up to £1,000,000 Unlimited
Alternative accommodation Up to £25,000 Up to £50,000
12 months repairs guarantee using approved repairers tick tick
Loss / theft of keys Reasonable cost
Reasonable cost plus Keycare
Trace & access - cover to help locate leaks Up to £5,000 Up to £10,000
Additional Cover
Home Emergency# Optional extra tick
Buildings Accidental Damage Optional extra tick
Family Legal Protection Optional extra tick
#Not available to those living in the Scilly Isles or the Scottish Islands.

Additional cover

The following features are included with the higher level Premier Cover Home Insurance. Or for an additional cost you can add them to the standard Home Insurance policy (Keycare excluded).

Feature Benefit
Home Emergency Up to £500 for call out, labour and parts in the event of an emergency at your home. Up to £250 for alternative overnight accommodation if your property becomes uninhabitable. (Not available to those living in the Scilly Isles or the Scottish Islands).
Buildings Accidental Damage Cover of your home which includes parts of the building such as walls, roofs, drives, patios and outbuildings against non-deliberate damage. This also includes any permanent fixtures such as kitchen units or bathroom fittings.
Family Legal Protection Up to £100,000 for the costs of legal expenses and court proceedings if you are involved in any private legal disputes such as property or employment disputes. 24-hour legal advice and cover for your salary whilst you attend jury service is also provided.
Keycare Annual cover if you permanently lose your keys - covering the replacement and reprogramming of all keys lost on the same key fob, even your car keys. Limited to £1,000.

Tools &

Tools, guides and resources

A range of tools and guides to help you keep your home and personal belongings safe and secure.

Guide to moving home (PDF 403KB) - A handy four part guide to help your move go as smoothly as possible

Protecting your home insurance - A guide to how to cover your home insurance and ensure it remains valid

Guide to improving your home (PDF 754KB) - A comprehensive guide on how to improve and add value to your home, featuring tips on budgeting, maximising your exisiting space and some energy saving ideas.

Guide to home insurance (PDF 713KB) - A comprehensive guide to all aspects of home and contents insurance, including the different types available and how to find the right policy for your circumstances.

Protecting your home against storm damage (PDF 706KB) - Our guide on how to cover your home against severe weather, such as floods, heavy snow and high winds.

How to go green at home (PDF 876KB) - How to make your home more environmentally friendly and improve its energy efficiency.

Guide to home security - A look at the precautions you can take to cover your family home and contents.

What is home insurance? - We explain the typical aspects of buildings and contents cover.

Security tips for students - Some steps you can take to help keep belongings safe at University or College.

Home insurance glossary - An A-Z glossary featuring commonly used home insurance terms.

Crafty garden ideas (PDF 578KB) - A series of home and garden activity ideas to keep the kids entertained. Learn how to build a bottle bird feeder and grow strawberries on the windowsill.

How to value your contents - How to make sure you have adequate insurance cover for contents, including how contents is defined, replacement value and common mistakes to avoid.

What is a valuable? - How a valuable is defined under home insurance policies and information on how to have expensive possessions valued.


If your policy starts with either SBY or NHP please visit our customer support section here.

All other policyholders please visit our customer support section here.

You will be able to:

  • Find out how to make a claim
  • Browse our frequently asked questions
  • Find the contact numbers you need
  • Learn more about our Customer Care policy

For questions and quotes

  • Call 0800 260 0717
  • Send an email
  • More phone options
  • Sainsbury’s home insurance is underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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