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Sainsbury's Bank

Car Insurance Customer Support

Frequently asked questions

Find the answer to your query. If you can’t find what you’re looking for, use our enquiry form.

General Queries

When will I receive my car insurance documents?

We normally post documents within five working days of receiving a request.

Can I print my documentation off from online?

You can find your policy document and other important information online. If you need a copy of your policy schedule or certificate, call us on 0800 210 0247*.

Does my policy cover me to drive other cars?

Some of our policies let you drive other cars. Check your car insurance certificate to see if it’s included.

Does my policy cover me to drive abroad?

Yes. There’s no charge for green card cover, which lets you drive abroad with the minimum cover in the country you’re driving in. This is equivalent to or less than UK third party only insurance. Call us on 0800 210 0247* to arrange this.

Foreign Use Extension extends your policy to match the cover you have in the UK. To arrange this call 0800 210 0247*.

For weekend or short trips, Sainsbury's Car Insurance covers you for up to three days free of charge, and up to 90 days with Sainsbury's Premier Cover Car Insurance.

Are there any fees charged as part of my policy?

If there are any fees or excesses applicable to your policy you’ll find them on your policy schedule.

What does Motor Legal Protection cover me for?

This covers you if you have an accident involving your car that’s not your fault and you suffer losses you can’t recover from any insurance policy. This could be compensation for personal injury, loss of earnings or accident repair costs. We’ll pay up to £100,000 legal costs to help you recover these losses from the party at fault, as long as it is more likely than not that your claim will succeed.

My Nectar points / vouchers have not yet arrived, what should I do?

Check the terms and conditions of the offer to see when you should have received them. If they’re late, call us on 0800 210 0247*.

* Calls may be recorded and are free from a landline and mobiles.

Before you buy

What car insurance do you provide?

You can choose between two levels of cover:

  • Sainsbury's Premier Cover Car Insurance − comprehensive cover only
  • Sainsbury's Car Insurance – comprehensive or third party fire and theft

For an extra premium, you can add breakdown cover for the UK and the EU, Motor Legal Protection and no claims discount protection.

Who underwrites your car insurance?

Sainsbury’s Car 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.

Do you offer car insurance to drivers in the ROI or Northern Ireland?

Sainsbury's car insurance policies cover drivers in Northern Ireland but not in the Republic of Ireland.

Do you offer car insurance to drivers in the Channel Islands and Isle of Man?


Can I get a quote if I don’t have a registration number?

Yes. For an online quote just fill in the relevant boxes in the quote form. When you click ‘Continue’ you’ll be prompted to choose the car details.

What’s the minimum and maximum ages you provide cover for?

We provide cover for drivers from age 17 up to age 95. If you and/or additional drivers are aged 96 or above please contact BIBA's 'Find a Broker' service on 0370 950 1790.

I have a provisional licence; will I be able to get a quote?

Yes, we provide cover for provisional licence holders. Make sure you specify this when you get a quote.

What information do I need to get a quote?

To provide a quote we need your name, age and date of birth. We also need to know about your vehicle and who’ll be driving it. Before you apply it’s a good idea to have your car registration details, and details of any motoring offences, to hand.

What can I use my car for?

Your cover lets you use your car for social, domestic and pleasure purposes, commuting to and from a permanent place of work and personal business use for you and your spouse or partner, if they’re named on the policy.

You’re not covered to use your car for commercial travelling, in connection with the motor trade, to carry goods or passengers for hire or reward, racing, pacemaking, speed testing, rallies, trials or competitions.

How can I pay for my car insurance?

You can pay your annual premium in a lump sum by debit or credit card. If you prefer, you can spread the cost over the year. You’ll need to pay a deposit using your debit or credit card and you’ll pay interest at the rate shown in your quotation.

* Calls may be recorded and are free from a landline and mobiles

No Claim Discount

Can I use the NCD built up on a company car on this policy?

If you've previously driven a company car (not a pool car) for business and pleasure, we may be able to offer you an enhanced introductory discount. You must have surrendered the company car within the last year, be claim free and supply a letter from your employer to confirm this information. Call us on 0800 210 0247 to take out a policy on this basis. Calls may be recorded and are free on a landline only.

Can I protect my NCD?

If you have a minimum of 4 years no claim discount, with no more than one fault claim within the past three years for all drivers combined, then you will be eligible to purchase No Claim Discount Protection.

Having No Claim Discount Protection means that your No Claim Discount (NCD) will not be affected by:

  • One claim made during the current period of cover, or by
  • Two claims arising in the three preceding years of insurance.

You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.

Multi Car Discount

What is Multi Car Discount^?

Multi Car Discount is for people with more than one car in their household. It gives you a 10% discount on any other car insurance policies you have with us − up to a maximum of ten cars.

Am I eligible for a Multi Car Discount?

Yes, if you insure two or more cars in your household with Sainsbury's car insurance.

How do I get the Multi Car Discount?

You can get a multi car discount quote online or call us on 0800 092 9546. If you already have Sainsbury’s car insurance you’ll be asked for some information about your existing policy.

Will my renewal dates change?

No, your renewal dates for each car will not change.

Will the cars be insured on the same policy?

No, each car will have a separate policy and their renewal dates will be different unless you take them all out at the same time. If you make a claim on one policy it won't affect the no claim discount under your other policies – unless two or more of your cars are involved in an accident with each other.

Can I use a friend or relative's Multi Car Discount without asking them?

No, you must have full agreement from the existing policy holder. If both of you are happy with the arrangement, you can link your policy with a friend's or relative's if you both live at the same address.

Are there any exclusions?

Multi car discount is only available to Sainsbury’s car insurance customers whose policy started after 31 May 2011.

^Multi Car Discount:
1. The policy that is nominated as the Primary policy will not be entitled to any Multi Car Discount.
2. The 10% introductory discount applies to the 2nd and subsequent policies taken out with Sainsbury's Bank - all cars must be from the same household.
3. Multi Car Discount applies to both Sainsbury's Car Insurance and Sainsbury's Premier Cover Car Insurance.
4. There is a maximum linked policy limit of 10 vehicles.
5. Minimum premiums apply.
6. If more than one discount is relevant, these will be applied consecutively.


Who underwrites your breakdown cover?

Sainsbury's Breakdown Insurance is provided by Green Flag and 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.

Can I buy breakdown cover without car insurance?

No, it’s only available when you have Sainsbury's car insurance.

Can I add breakdown cover to my policy at any time?

Yes, just call us on 0800 210 0247*. The cost depends on the level of cover you choose and the time till your next renewal date.

I want to change the level of breakdown cover I have, what should I do?

You can increase the level of cover you have at any time. Just call 0800 210 0247*. Your premium will depend on the cover level you choose and the time till your next renewal date.

You can reduce your level of breakdown cover at your renewal date.

Can I add European cover to my UK breakdown cover?

Yes, just call 0800 210 0247* and we’ll let you know what the additional premium will be. Sainsbury's European Rescue Service includes all the UK benefits of Sainsbury's Homecall and Rescue Service.

Help, I've broken down, what number should I call?

If you break down in the UK, call 0800 210 0251* or 0800 068 2189*.

If you break down in Europe (and you have Sainsbury's European Rescue Service cover), call +44 (0) 1943 846 600.

I'm in someone else's car which has broken down, am I covered?

If you have personal cover that includes any private UK registered vehicle (less than 16 years old) and you’re travelling in the UK, you’ll be covered.

Can I cancel my breakdown cover?

You can cancel your cover at any time by calling 0800 210 0247* and giving us seven days’ notice of cancellation. The amount of any refund or charges depends on how long you have held the policy.


* Calls may be recorded and are free from a landline and a mobile.

The Gender Directive

In 2012, the Gender Directive came into force in the European Union. This means that insurance companies have to charge the same premium rates for males and females.

How will Gender Directive affect my price?

Sainsbury's car insurance is underwritten by U K Insurance Limited (UKI). UKI's aim is to provide customers with an insurance premium that reflects their individual risk and to do this as fairly as possible. In some segments, especially young drivers, gender was an important rating factor. After 21 December 2012, gender is not used as a rating factor.

Why are you asking for my gender and title?

We use this information so that we address you correctly in letters and over the phone. We don’t use it to work out your premium.

Do female drivers still get priority service in breakdown situations?

Customers are given priority based on their individual situation and vulnerability − i.e. on the hard shoulder of the motorway or drivers with young children. This priority hasn’t been changed by the Gender Directive.

Is my renewal quote gender neutral?

Yes, neither your price nor the services provided depend on your gender.