We'll support you through it

Give us a call and we'll guide you through the claims process. We'll make sure you and your family are safe, check that you're covered, and let you know what will happen next. So you can get back to normal as soon as possible.

Who to call

If you're claiming on your main contents insurance policy (and not one of our optional extras) you need to call your insurer. You can find the name of your insurer on your policy documentation.

Here's a list of the insurers we use and their claims number:

Claiming on one of our optional extras

03 number calls are charged at local rates from landlines and mobiles. 0800 number calls are free from landlines and mobiles. Calls may be monitored and recorded.

How to claim

Before you call us:

• Call the police and get a crime reference number or lost property number if you're claiming for theft, riot, malicious damage or vandalism, or accidental loss outside your home.
• Make sure everything is safe to avoid more damage or theft – but please speak to us before you make any repairs.
• Check your home insurance to make sure you're covered before you call.

Then:

• Call us with your policy number to hand if you want to make a claim, or if something happens that you could claim for – even if you decide not to.
• We'll take all the details of why you're claiming and what happened – including a list of everything that's lost or damaged. There's a few tips below on this for you too.
• Keep the damaged items as we may need to see them – except freezer food, a list is fine for that.
• We'll work out and arrange the next steps – for example we'll organise accommodation, a repair or a replacement, or reimburse you.
• We'll let you know about any excess you have to pay towards your claim.

What details to give us:

• Your policy number
• Your crime reference or lost property number if you have one
• The date the damage, theft or loss happened
• We may ask you for more information, like proof of ownership, valuations and estimates – we can accept receipts and invoices, credit agreements, pre-loss valuations and sometimes just a photo

It's a good idea to check what's covered and how you're protected if you're not sure. That way, if your home gets damaged or burgled, you can see if we can help before you make a claim.

Here are your policy documents:

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

If you purchased any other optional extras with a start date or renewal date on or after 29 November 2023:

• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extras (PDF, 393KB)

If you purchased any other optional extras with a start or renewal date before 29 November 2023:

• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extras (PDF, 424KB)

Optional extras include:

• • Key Cover
  • Family Legal Protection
  • Home Emergency

If you're registered for our online portal, you can make all sorts of changes to your policy through your account. Like add cover, update your details, cancel your policy, or tell us you've fitted a burglar alarm.

Got a question?

We've answered some of the most common home insurance questions - see our frequently asked questions.

Wall-to-wall guides

We've also put together some guides on everything from security tips for students to protecting your home from storm damage.

Read our guides for some handy hints.

Calls are charged at local rates from landlines and mobiles. Calls may be monitored and recorded.