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Sainsburys Bank home insurance
Compare Sainsbury's Bank home insurance
Why choose Sainsbury's Bank home insurance?
Serving Britain since 1869, Sainsbury’s is a respected household name, being the second largest of the supermarket chains.
It partnered with the Bank of Scotland in 1997 when branching out into insurance and took over entirely in 2004. Sainsbury’s bank now offer a range of financial services including home insurance.
Sainsbury's bank has a great score of 4.1 out of 5 stars on Trustpilot from over 14,000 customers, and its home insurance has received a five star Defaqto rating.
How do I contact Sainsbury's Bank?
For general enquiries, you can contact Sainsbury's Bank home insurance via:
Telephone: 0800 206 1965
Opening hours:
Monday to Friday: 8am – 9pm
Saturday: 9am – 5pm
Sunday: 10am – 5pm
Alternatively, you can submit an enquiry form under their 'contact us' section on the website.
What types of home insurance can I get with Sainsbury's Bank?
Sainsbury's Bank offers buildings and contents insurance across two level of cover; Home and Home Plus. Here is what is included in each policy:
Contents | Home | Home Plus |
|---|---|---|
Contents cover | £75,000 as standard (single valuable item limit £2,000) | £75,000 as standard (single valuable item limit £2,000) |
Accidental damage TV, DVD and games consoles | Yes | Yes |
Alternative accommodation | Up to £15,000 (£50,000 when combined with buildings insurance) | Up to £15,000 (£50,000 when combined with buildings insurance) |
Garden contents | Up to £2,000 | Up to £2,000 |
Home emergency cover | No | Yes |
Family legal protection | No | Yes |
Accurate as of July 2024
Can I cancel my Sainsbury's Bank insurance and switch providers?
Yes, you can cancel your Sainsbury's Bank home insurance at any time. However, you might be charged a cancellation fee if you're cancelling the middle of your policy term. Here are some instances where you may want to cancel:
If your policy is coming up for renewal: if you decide you don't want to continue your policy, contact Sainsbury's Bank and cancel before your renewal date and you won't pay extra charges
If you have just taken out a policy: all home insurance policies come with a 14 day cooling off period, so if you cancel or switch providers within this timeframe then you will not be charged
If your policy has auto-renewed at a higher rate: Sainsbury's Bank should inform you when your policy is coming up for renewal, but if your policy has auto-renewed at a rate you're comfortable paying, contact them as soon as possible and they might cancel your policy without charging an admin fee
Join the thousands of customers who bought their home insurance through us
Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.
By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.
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What add-ons can I get with Sainsbury's Bank home insurance?
Here are some add-ons that you can add to your Sainsbury's Bank home insurance policy:
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Accidental damage
Add enhanced cover for accidents that damage your possessions, such as red wine on your sofa or a broken glass coffee table
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Home emergency cover
Home emergency cover including a 24 hour helpline offering support for issues with your boiler, plumbing problems, and security cover e.g. if your window is smashed
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Family legal protection
Family legal protection includes a telephone support line and legal cover for expenses and disputes relating to your home
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Personal possessions
Cover for your possessions when you take them away from home, including incidents like losing your tablet on a plane or leaving your phone on a train
Why compare home insurance quotes with MoneySuperMarket?
Whatever cover you’re looking for, the easiest way to find the best policy is by comparing quotes online. You can compare policies in one simple search on MoneySuperMarket.
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Save money and earn rewards
Avoid auto-renewing and compare tailored quotes for free to find the cheapest insurance for you. Buy through us and get unlimited access to free days out (on our app) and much more with SuperSaveClub.
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Comparing quotes remains one of the best ways to save money and time. Storing your details allows you to refresh your quotes in seconds.
Who underwrites Sainsbury's Bank insurance?
Sainsbury's Home Insurance is underwritten by UK Insurance Limited.
Can I pay Sainsbury's Bank in monthly instalments?
Yes, you can pay for your home insurance policy in monthly instalments via Direct Debit, or annually in one payment.
What do defaqto star ratings mean?
Defaqto star ratings offer consumers the confidence to choose the right financial products by providing a trusted rating for insurance policies.
Does Sainsbury's Bank home insurance cover subsidence?
Yes, Sainsbury's does cover for loss or damage caused by subsidence, heave or landslip, but not if it's caused by escaping water.
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Reviewed on 19 Dec 2025