What does home insurance cover?
It protect your home against fire, flood, storm damage, and burglary.
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 and switch to another provider at any time. You may need to pay a cancellation fee if you end your policy part way through the term.
You might choose to cancel in the following situations:
If your policy is due for renewal
If you do not want to continue your cover, contact Sainsbury’s Bank before the renewal date. Cancelling before renewal usually avoids additional charges.If you have just taken out a policy
Home insurance policies come with a 14-day cooling-off period. If you cancel or switch within this time, you should receive a full refund, provided no claims have been made.If your policy has auto-renewed at a higher price
Sainsbury’s Bank should contact you before renewal. If your policy has already auto-renewed and the new price is higher than expected, get in touch as soon as possible. They may cancel the policy without charging an administration fee, depending on timing and policy terms.
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:
-
Accidental damage
Add enhanced cover for accidents that damage your possessions, such as red wine on your sofa or a broken glass coffee table
-
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
-
Family legal protection
Family legal protection includes a telephone support line and legal cover for expenses and disputes relating to your home
-
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
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.
Super save with MoneySuperMarket
You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.
Whip your credit score into shape with Credit Score
Super save over and over again with Energy Monitor
There are always more ways to save with MoneySuperMarket
So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.
You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.
Reviewed on 30 Jan 2026
