Combined buildings
& contents cover

Underwritten by U K Insurance Limited
Up to 35% off

for Nectar card holders*
Introductory offer. 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

Why choose Sainsbury's home insurance?

  • Up to 35% off* for Sainsbury's shoppers when you buy direct online with a Nectar card. Introductory offer. Minimum premiums apply.
  • £25 voucher to spend in Sainsbury’s stores when you take out a new combined buildings and contents policy direct with Sainsbury’s Bank. Introductory offer.**
  • Our Premier Cover has been awarded a 5 Star Rating by Defaqto, the independent financial research company, giving you reassurance about the cover we provide.
  • Double Nectar points on Sainsbury's shopping and fuel for 2 years - available when you quote and buy a new combined buildings and contents Premier Cover Home Insurance policy direct from Sainsbury's Bank†. Remember to renew your policy at the same cover level at first renewal to continue collecting double points.

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

Choose the cover that suits you

Covering your home both inside and out, Sainsbury's Bank offer two levels of combined buildings and contents insurance – letting you choose the policy that suits you.

Choice of cover levels:

  • Home Insurance - Up to £50,000 contents cover and £1 million buildings cover
  • Premier Cover Home Insurance -  Up to £100,000 contents cover and unlimited buildings cover

Both levels include cover for:

  • Alternative accommodation - if your home is uninhabitable following an insured event
  • Trace and access to help locate leaks
  • Digitally downloaded information
  • Garden items such as furniture, BBQs and lawnmowers

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

Offer terms and conditions

**A Thank You £25 Sainsbury’s voucher to spend instore: Introductory offer available to new home insurance customers who buy a new combined buildings and contents policy from 1st Nov 2016. Policy must be purchased directly from Sainsbury’s Bank via our website or on the phone. You will receive one £25 voucher per policy. The voucher must be used prior to the expiry date which is set out on your voucher. Duplicate vouchers will not be issued, for example if they are lost or damaged. We will send the voucher to the address you provided when you took out your policy. You will receive the voucher within 60 days of the policy start date unless your policy is cancelled within this period. The voucher may only be used instore as per the terms specified on the front of the voucher and cannot be used to buy from Sainsbury’s websites. Sale, auction or tendering of the voucher for money or otherwise is specifically prohibited. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotion without notice.

†Double Nectar points: 1. Offer available only to new customers who take out a new combined buildings and contents Sainsbury's Premier Cover Home Insurance policy. Quote must have originated on the Sainsbury's Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for double Nectar points. 2. Customers must renew their policy at the same cover level to continue collecting double points. 3. If the policy is cancelled, double points will cease from the cancellation date. 4. Only the first combined buildings and contents policy registered against each Nectar account will qualify for double points. 5. Base points on qualifying spend in Sainsbury’s will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 1,250 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus point offers and points from Sainsbury’s Energy, Telecoms, Digital, Entertainment, eBooks, Bank and all other Sainsbury’s services. 6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury’s purchase and points will not be allocated retrospectively. 7. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is operated independently of Sainsbury’s Bank by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by the Nectar Collector Rules, set out in the registration pack and available at nectar.com 8. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

What's covered

There are two levels of combined buildings and contents insurance to choose from with Sainsbury's home insurance.

The main features of both levels of cover are shown below. For additional information please take a look at the policy booklets on the 'Policy' tab above. Please note if you buy a combined buildings and contents policy the cover must be at the same level.

Contents

Feature Sainsbury's Home Insurance Sainsbury's Premier Cover Home Insurance
Sum insured
(single valuable item)
Up to £50,000
(up to £2,000)
Up to £100,000
(up to £4,000)
Downloaded information Up to £1,000 Up to £3,000
Contents in the garden Up to £1,000 Up to £2,500
Student belongings Up to £5,000 Up to £10,000
Household removal - cover whilst moving home Up to contents sum insured Up to contents sum insured
Special events increased cover†† 10% of contents sum insured 10% of contents sum insured
Tenants liability - cover for building damages you become legally liable for up to £5,000 up to £10,000
Additional cover
- for individual limits please refer to Additional cover tab
Home Emergency# Optional extra tick
Contents Accidental Damage Optional extra tick
Family Legal Protection Optional extra tick
Personal Possessions Optional extra tick
#Not available to those living in the Scilly Isles or the Scottish Islands.
†† Limited to Births, Religious Festivals & Weddings/Civil partnerships.

Buildings

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.

Offer terms and conditions

^4,000 Nectar points is an introductory offer available to new home insurance customers who buy a new combined buildings and contents policy until the 31st Oct 2016 inclusive. Quote must have originated direct on the Sainsbury's Bank website or on the phone. Nectar Points will be credited to your Nectar account within 60 days after the policy start date unless your policy is cancelled within this period. Customer’s valid Nectar card number must be supplied at time of application. Limited to issuing 4000 Nectar points per policy. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotion without notice. No cash alternative available. Please note that this offer is not transferable

*Up to 35% combined loyalty and web discount available direct online. Introductory discount. Minimum premiums apply. You'll receive a discounted rate based on information related to transactions you've made in Sainsbury's supermarkets using your Nectar card. At least 22% of Nectar card holders who are Sainsbury's shoppers have achieved a combined loyalty and web discount of 35% direct online, between September 2015 and March 2016.

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).
Contents Accidental Damage Covering your personal belongings and non-permanent fixtures and fittings like carpets and curtains against non-deliberate damage.
Buildings Accidental Damage Covering 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.
Personal Possessions Cover for items that you would normally take out of the house such as jewellery, cameras, sports equipment and laptops. Limit of £2,500 (Home Insurance) and £5,000 (Premier Cover Home Insurance) – single item limit and additional limits & conditions apply.
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.

^4,000 Nectar points is an introductory offer available to new home insurance customers who buy a new combined buildings and contents policy until the 31st Oct 2016 inclusive. Quote must have originated direct on the Sainsbury's Bank website or on the phone. Nectar Points will be credited to your Nectar account within 60 days after the policy start date unless your policy is cancelled within this period. Customer’s valid Nectar card number must be supplied at time of application. Limited to issuing 4000 Nectar points per policy. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotion without notice. No cash alternative available. Please note that this offer is not transferable.

*Up to 35% combined loyalty and web discount available direct online. Introductory discount. Minimum premiums apply. You'll receive a discounted rate based on information related to transactions you've made in Sainsbury's supermarkets using your Nectar card. At least 22% of Nectar card holders who are Sainsbury's shoppers have achieved a combined loyalty and web discount of 35% direct online, between September 2015 and March 2016.

Policy

To view our current policy documents please click on the links below. Please refer to your own policy documentation for details of your cover.

Offer terms and conditions

^4,000 Nectar points is an introductory offer available to new home insurance customers who buy a new combined buildings and contents policy until the 31st Oct 2016 inclusive. Quote must have originated direct on the Sainsbury's Bank website or on the phone. Nectar Points will be credited to your Nectar account within 60 days after the policy start date unless your policy is cancelled within this period. Customer’s valid Nectar card number must be supplied at time of application. Limited to issuing 4000 Nectar points per policy. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotion without notice. No cash alternative available. Please note that this offer is not transferable.

*Up to 35% combined loyalty and web discount available direct online. Introductory discount. Minimum premiums apply. You'll receive a discounted rate based on information related to transactions you've made in Sainsbury's supermarkets using your Nectar card. At least 22% of Nectar card holders who are Sainsbury's shoppers have achieved a combined loyalty and web discount of 35% direct online, between September 2015 and March 2016.

Tools &
guides

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.

Offer terms and conditions

^4,000 Nectar points is an introductory offer available to new home insurance customers who buy a new combined buildings and contents policy until the 31st Oct 2016 inclusive. Quote must have originated direct on the Sainsbury's Bank website or on the phone. Nectar Points will be credited to your Nectar account within 60 days after the policy start date unless your policy is cancelled within this period. Customer’s valid Nectar card number must be supplied at time of application. Limited to issuing 4000 Nectar points per policy. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotion without notice. No cash alternative available. Please note that this offer is not transferable

*Up to 35% combined loyalty and web discount available direct online. Introductory discount. Minimum premiums apply. You'll receive a discounted rate based on information related to transactions you've made in Sainsbury's supermarkets using your Nectar card. At least 22% of Nectar card holders who are Sainsbury's shoppers have achieved a combined loyalty and web discount of 35% direct online, between September 2015 and March 2016.

Existing
customers

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

Offer terms and conditions

^4,000 Nectar points is an introductory offer available to new home insurance customers who buy a new combined buildings and contents policy until the 31st Oct 2016 inclusive. Quote must have originated direct on the Sainsbury's Bank website or on the phone. Nectar Points will be credited to your Nectar account within 60 days after the policy start date unless your policy is cancelled within this period. Customer’s valid Nectar card number must be supplied at time of application. Limited to issuing 4000 Nectar points per policy. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotion without notice. No cash alternative available. Please note that this offer is not transferable

*Up to 35% combined loyalty and web discount available direct online. Introductory discount. Minimum premiums apply. You'll receive a discounted rate based on information related to transactions you've made in Sainsbury's supermarkets using your Nectar card. At least 22% of Nectar card holders who are Sainsbury's shoppers have achieved a combined loyalty and web discount of 35% direct online, between September 2015 and March 2016.

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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