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. Excess cover can be applied to your home insurance policy as an optional extra for an additional cost.

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.