Home insurance policy documents

Everything you need to know about our home insurance

Whether you have buildings, contents, or a combined home insurance policy with us, it’s important to familiarise yourself with the policy documents.

Your home insurance policy contains everything you need to know about your cover. 

The details of your insurance depend on which level of cover you have, so please check your Policy Schedule to see what applies to you. For specific details of your own cover, please refer to your policy documentation. And if you want to find out what we do with your personal information, you can check out the most recent version of our privacy policy.
 

Home insurance policies

If you purchased Home insurance with a start date or renewal date on or after 1st May 2025:

• Your Sainsbury's Bank Home Insurance policy booklet (PDF, 632 KB) – This is what you’ll need to refer to for claims to your buildings and contents insurance, excluding all of our optional extras 
• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extras (PDF, 659 KB)
• Your Sainsbury’s Bank Home Insurance booklet for Excess Cover (PDF, 204 KB)

If you purchased Home insurance with a start date or renewal date on or after 1st February 2025:

• Your Sainsbury's Bank Home Insurance policy booklet (PDF, 668 KB)
• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extras (PDF, 1,503 KB)
• Your Sainsbury’s Bank Home Insurance booklet for Excess Cover (PDF, 182 KB)

If you purchased Home Insurance with a start date or renewal date on or after 22nd August 2024:

• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extras (PDF, 1504 KB)
• Your Sainsbury's Bank Home Insurance policy booklet – for all claims excluding one of our optional extras (PDF, 511 KB)
• Your Sainsbury’s Bank Home Insurance booklet for Excess Cover (PDF, 182 KB)

Optional extras include:

• • Key cover
  • Family Legal Protection
  • Home Emergency

What documents do I need?

You can find your home insurance documents in the links above. These should provide you with all the information you need about your insurance policy. For specific details of your own cover, please refer to your policy documentation.

If you want to find out what we do with your personal information, you can check out the most recent version of our privacy policy.
 

Should I receive a renewal letter?

From 1 November 2025,  Sainsbury’s Bank will no longer be issuing renewal quotes in respect of existing policies. However, we will write to you, well in advance of your renewal date, with options available to you regarding your cover.

If you are offered a replacement policy from LV=, this will be a new policy and you will need to contact LV= once you have received your quote to discuss payment options and accept the quote.

If you have any questions you can call us on 0345 266 1670**. We're open Monday - Friday 9am to 5.30pm, closed Saturday and Sunday.
 

Get more information

Got more questions about our home insurance? Try our FAQs or glossary guide, or contact our customer support team for help.