Sainsbury's Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Sainsbury's car insurance.

You might already know that Sainsbury's offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Sainsbury’s the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Sainsbury's car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Sainsbury's

Our ratingOur opinion
Customer service & satisfaction

Policy information documents are readily available
4.2/5 based on 4040 reviews gotten on TrustPilot
Online application is easy to complete

Cover provided

Unlimited cover on windscreens, windows and sunroofs with the comprehensive policy
Courtesy car during repair as standard
Standard policy doesn’t cover courtesy car for total loss

Value for money

A 25% discount is given to drivers with the Nectar card
Free fuel is given to drivers who buy the Sainsbury’s Premier Car Insurance
No Cancellation fee is charged during the cooling period

Financial strength for pay out

Strong financial capability


Presence of online application
Insurance policies can be taken out and adjusted easily on the app
No live chat option is available

Safe rating for Sainsbury's

Expert and customer reviews on Sainsbury’s

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Sainsbury's's reputation.

Review organisationConsumer satisfaction rates for Sainsbury's
Defaqto expert rating for Sainsbury's defaqto 5 stars
TrustPilot4,2/5 based on 4,032 opinions
Consumer satisfaction rates on reviews for Sainsbury's

To check if Sainsbury's is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


Our review on Sainsbury’s car insurance policy

Sainsbury’s offers two types of comprehensive cover: Standard and Plus. With both covers, a lot of car cover features are offered as standard, such as windscreen cover, a courtesy car if your car is damaged in an insured incident and uninsured driver protection. Optional extras can be added to a policy e.g. motor legal cover and breakdown. Sainsbury offers a 5 year guarantee on repairs. Apart from this, their customer care reviews are high and the website can be easily navigated.

What does Sainsbury’s car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Sainsbury’s?

Car insurance policyAvailable at Sainsbury'sCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Sainsbury's

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Sainsbury’s explained in details

Let's find out what does Sainsbury's covers in its car insurance policy.

Breakdown cover at Sainsbury’s

Sainsbury collaborated with RAC to provide five levels of breakdown cover which are the Bronze, Silver, Gold, Platinum, Platinum+ Europe. They all provide cover as follows:

  • Bronze: Misfuel cover, roadside assistance
  • Silver: Misfuel cover, roadside assistance, UK recovery
  • Gold: Misfuel cover, roadside assistance, UK recovery, At Home cover
  • Platinum: Misfuel cover, roadside assistance, UK recovery, At Home cover, Onward travel
  • Platinum plus Europe: Misfuel cover, roadside assistance, UK recovery, At Home cover, Onward travel, European motoring.

Keycare cover at Sainsbury’s

  • £1,000 for replacing locks for car, home and office as long as it is confirmed that the person who has the keys knows the location or identity of the car
  • can be purchased as an optional extra.

Windscreen cover at Sainsbury’s

For windscreen replacement, the following apply:

  • excess paid for an approved windscreen repairer: £10
  • excess paid for replacement from an approved repairer: £75
  • excess paid for an un-approved windscreen repairer: £25
  • excess paid for replacement from an un-approved repairer: £100.

Motor legal protection at Sainsbury’s

The Motor Legal Protection provided by Sainsbury offers:

  • up to £100,000 of cover for legal costs if you’re involved in a motor accident that is not your fault
  • access to legal counsel
  • cover for the insurance policy holder and other named drivers
  • car hire costs
  • 24 hours legal helpline.

Personal policy injury available at Sainsbury’s

The personal accident cover Sainsbury provides offers up to £5,000 in the case of an accident.

Coverage abroad at Sainsbury’s

Sainsbury’s abroad coverage is available under the Comprehensive insurance policy and this coverage allows the holders to travel through Europe for about 90 days. It is also available under the Third Party, Fire and theft policy for 35 days. The countries that can be visited are:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Sainsbury’s

A courtesy car comes as a standard with the comprehensive car cover and it is given for 14-21 days.
A small hatchback is provided but a car similar to yours can be given for an additional cost.

No-Claim Bonus (NCB) at Sainsbury’s

If no claim is made against your policy, your renewal premium will be adjusted in accordance with Sainsbury’s No Claim Discount scale which is applied during renewal.

With Sainsbury, uninsured driver cover is part of their comprehensive insurance.

At Sainsbury's, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claims in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Sainsbury’s car insurance terms and conditions

How much does Sainsbury’s car insurance cost?

You'll find below indicative car insurance quotes at Sainsbury's:

Drivers'ageMonthly premium
18 years old£103,70
40 years old £42,76
60 years old£31,53
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Sainsbury's insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Sainsbury’s?

Discounts are offered to Nectar members and drivers who buy the Premium car policy. Also, discount vouchers are available.

Discount typesComment
DiscountsGuaranteed discount for Nectar card holders
Discounts and cashbacks available at Sainsbury's

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Sainsbury’s car insurance policy summarized


At Sainsbury's
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,000
Personal belongings£200
Audio equipment


Medical expenses


Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

14-21 days

Coverage abroad

90 days

Guarantees at Sainsbury's


At Sainsbury's
Fire excessno
Theft excessno
Accidental damage excessno
Windscreen replacement excess£75
Young driver excess


Excess at Sainsbury's

Admin fees

At Sainsbury's
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period: £0
Cancellation fees outside cooling off period: £50

Modification fees

Adjustment fee: £0 online / £25 by phone

Admin fees at Sainsbury's

Other car insurance policies available at Sainsbury’s

Sainsbury’s van insurance

The van insurance provided by Sainsbury is offered by a third party and it offers three types of policies which are:

comprehensive coverage: this provides coverage for vans againsts accidents, fire and theft
third party coverage: this covers the damages done to a third party car in the case of an accident
third party fire and theft: It is an enhanced version of the policy that covers your commercial vans against fire damages, accidents and vandalism

How to contact Sainsbury’s auto insurance?

Sainsbury’s phone numbers 

You will find all important phone numbers to contact Sainsbury's car insurance:

Contact numberOpening hours

Customer Service

0345 608 6034

Monday to Friday: 9am-7pm,
Saturday: 9am-5pm
Sunday: Closed

Policy Information

0345 266 1670

Monday to Friday: 9am-7pm,
Saturday: 9am-5pm
Sunday: Closed


0345 266 1670

Monday to Friday: 9am-7pm,
Saturday: 9am-5pm
Sunday: Closed

Breakdown cover

0330 159 8485

24 hours a day


0344 600 9021

24 hours a day

Windscreen cover

0344 600 9021

24 hours a day

Contact numbers at Sainsbury's

Sainsbury’s other contact details

You'll find below Sainsbury's main contact details:

Contact details of Sainsbury's
Email address


Customer account with Sainsbury's login

My Account

Social mediaFacebook, Twitter, LinkedIn, Instagram, Pinterest
Contact details at Sainsbury's

You can also contact them by mail by writing to Sainsbury's car insurance:

Sainsbury’s Bank
33 Holborn,

How to claim at Sainsbury’s?

You can make a claim by calling the claims department.

ServiceCar claim
Claim by phone

0344 600 9021

Claim process at Sainsbury's

How to cancel your car insurance at Sainsbury’s?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Sainsbury's as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Sainsbury's has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

Sainsbury's could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.