Sainsburys Bank car insurance
Renew, cancel and compare Sainsbury's Bank car insurance
How good is Sainsbury's Bank car insurance?
Trustpilot rating
4.1 out of 5^
Trustpilot is a leading customer review site.
Key benefits:
✔ Nectar card members get a guaranteed discount
✔ No claims discounts
✔ New cars replaced like-for-like if stolen or written off
Defaqto rating (car insurance)
⭐⭐⭐⭐⭐^
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Key inclusions:
✔ Driving in Europe*
✔ Replacement of your child's car seat after an accident
✔ Windscreen cover**
✔ A courtesy car while your car is in for repairs**
How much do Sainsbury's car insurance policies cost?
These are the average prices of Sainsbury's Bank car insurance policies across all drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors.
Fully Comprehensive
£336^
Third Party Fire and Theft
£520^
Fully Comprehensive policy | Average price |
|---|---|
Sainsbury's Bank Essentials | £668^ |
Sainsbury's Bank Standard | £336^ |
Sainsbury's Bank Plus | £469^ |
Third party, fire and theft policy | Average price |
|---|---|
Sainsbury's Bank Standard | £520^ |
Sainsbury's Bank Plus | £1148^ |
Example car insurance quote for Sainsbury's Bank
Sainsbury's Bank
Great for
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Personal injury: Up to 10k included
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Windscreen cover included
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Courtesy car included
But be aware that
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Legal cover: extra cost from £12.99
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Breakdown cover: extra cost from £24.99
What types of car insurance can I get with Sainsbury's Bank?
Sainsbury's Bank offers two types of car insurance cover. It does not offer third-party only insurance.
What extras can I add to my Sainsbury's Bank car insurance policy?
There may be limitations, conditions and restrictions to the below. Your policy documents will have full information.
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RAC breakdown cover
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Motor legal protection
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No claims discount protection
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Windscreen cover
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Courtesy car
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Key cover
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Personal belongings
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Excess cover
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European driving
How do I cancel my Sainsbury's Bank car insurance?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You must telephone Sainsbury's Bank to cancel your car insurance - you cannot do it online.
The number is 0345 608 6034
I'm coming up for renewal
You can tell Sainsbury's Bank at any point up until your renewal date that you do not wish to renew your policy. There is no charge for not renewing.
I've just taken out a policy
If you cancel your Sainsbury's Bank car insurance before your policy starts or within the first 14 days of your policy starting you will be entitled to:
a refund of the premiums you paid
a refund of your set-up fee
You will be charged an admin fee of £25, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it started, you will be entitled to a pro-rated refund of your premium.
You will be charged an admin fee of £55, which will be taken out of your refund.
My policy has autorenewed
If you cancel your Sainsbury's Bank car insurance within the first 14 days of your policy autorenewing you will be entitled to a refund of the premiums you paid.
You will be charged an admin fee of £25, which will be taken out of your refund.
How do I contact Sainsbury's Bank?
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By Phone
The customer query number is: 0345 266 1670
The claims line is: 0344 600 9021
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Online Portal
You can make changes to your policy for free here, and cancel your policy for a lower admin fee.
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Customer Support
You can search through common customer queries and FAQs.
Frequently Asked Questions
Who underwrites Sainsbury's insurance?
Sainsbury’s Bank car insurance is underwritten by a range of insurers. Specific underwriters will be shown on policy documents and on quotes, so you can see who the underwriter is before you buy.
It will be one of the following insurers:
Ageas Insurance Ltd
AXA Insurance UK plc
Covea Insurance plc
ERS
Highway Insurance Company Limited
Liverpool Victoria Insurance Company Limited
Premier Underwriting Limited
Prestige Underwriting Services Limited on behalf of Aviva insurance Limited
Sabre Insurance Company Limited
Somerset Bridge Limited
Zurich Insurance plc
Can I add other drivers to my Sainsbury's car insurance policy?
Yes, you can other drivers to your Sainsbury's Bank car insurance through the online portal. You may have to pay extra to have another driver on your policy. Sainsbury's Bank may also charge an admin fee.
Can I pay Sainsbury's Bank in monthly instalments?
No, Sainsbury's Bank car insurance policies must be paid annually - in one lump sum.
Reviewed on 25 Dec 2025
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in September 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in September 2025.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in September 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in September 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in September 2025.
Trustpilot is a leading customer review site. Neither Sainsbury's Bank nor MoneySuperMarket has any influence over the rating given.
Average score from customers reviewing Sainsbury's Bank on Trustpilot. Data sourced March 2025.
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual car insurance products from Sainsbury's will have different ratings.
Data from the Defaqto website. Data from March 2025.