Our Home Excess Cover

Making a claim on your home insurance can be stressful enough, never mind the cost of being out of pocket paying your excess. Our Excess Cover is designed to make sure you get this cost back, when you make a claim on your home insurance.

What is excess cover?

Our Excess Cover will refund the excess you have paid, following any successful, settled eligible claim on your Sainsbury’s Bank Home Insurance. So if your claim is covered by your home insurance policy and you’ve either had to pay out an excess or had it deducted from the settlement you’ve received, you’ll get that excess refunded.

What we cover

Cover is provided for any claim made on your Building and contents insurance, which include the following:

  • Fire
  • Storm/Flood
  • Escape of water/oil
  • Subsidence
  • Theft/Attempted theft
  • Vandalism
  • Trace and Access
  • Personal Belongings

With Excess Cover there is a limit of one claim in a policy year, up to a maximum of £1,000. To find out more details on cover, please see our home excess cover booklet.

What's not covered?

The policy doesn't cover:

  • Any claim declined under your home insurance policy
  • Any claim that is notified to us more than 31 days after the successful settlement of the claim
  • Any claim which occurred before you took out your home insurance policy
  • Any claim which has been reimbursed

You must cover the cost of your excess initially, but you will be reimbursed once your claim has been validated.

After a bit more detail?

To find more details on what’s covered and what’s not check out our policy document or have a look at our Frequently Asked Questions.

Get a quote

Sainsbury's Bank Home 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. Home Excess Cover is underwritten by Astrenska Insurance Limited.

‡Guaranteed discount for Nectar members: 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 sainsburysbank.co.uk/privacy