Home 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 Sainsbury's Home Insurance

Sainsbury's Home Insurance

Every home is different, that's why Sainsbury's Bank offers a choice of combined buildings and contents, contents only or buildings only cover, allowing you to get the right cover for you and your home. You can find out more about the product features and our latest offers.
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.

100 bonus Nectar points^^ when you share your insurance renewal dates with us.

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Contents insurance

Covering the belongings within your home

Buildings insurance

Covering the structure of your home

Compare our cover

Which cover is right for you?

Helpful guides

To help keep your home safe and secure

Offer terms and conditions

^^100 bonus Nectar points: 100 Nectar bonus points will only be awarded when a valid full name, address, email address, Nectar card number and at least 1 insurance renewal month are submitted. Nectar bonus points will be automatically credited to your Nectar account within 60 days. Only 1 award of 100 Nectar bonus points will be issued per household. Sainsbury's Bank reserves the right to alter, cancel or withdraw the promotion without prior notice. No cash alternative available.

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Latest offers

Latest offers

Offers for new customers only

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

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Offer terms and conditions

†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.

*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

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.

Helpful guides

Helpful 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.

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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