Is Sainsbury's car insurance any good? Sainsbury's Bank offers cover from a wide selection of car insurers, such as Zurich and Axa, and they offer a number of desirable features such as a courtesy car. But before you buy, check out our selection of customer reviews to see what real customers have to say about being insured by Sainsbury's car insurance.
In This Review
- Sainsbury's Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Phone numbers and policy documents
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Sainsbury's Car Insurance Overall Review
Sainsbury's Bank car insurance offers a solid set of features and a 5-star defaqto rating, but check the customer ratings to learn about issues such as accessing customer service and getting Nectar points credited.
Sainsbury's offers two types of comprehensive cover: Standard and Plus. Both include lots of important features as standard, such as windscreen cover, a courtesy car if your car is damaged in an insured incident and uninsured driver protection. You can add optional extras to your policy such as cover for lost or stolen keys, legal cover and breakdown (the last two are included as standard in the Plus plan). Sainsbury's Bank car insurance stands out for:
- 5 year guarantee on repairs by their approved repairers (vs. 12 months - 3 years that you get on a lot of other plans)
- Courtesy car provided for duration of repairs (vs. 14 day limit from some other plans)
However, you don't get a courtesy car in the event your car is written off. Also, there isn't any NCD protection for a no-fault accident. Here's what's covered by Sainsbury's comprehensive cover according to their website, and how it stacks up against what you'd ideally get from a good policy.
|How Good is Sainsbury's Car Insurance?||A Good Policy Includes||Does Sainsbury's Deliver?||Sainsbury's Comprehensive Coverage|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Full cover if use approved repairer, but you pay an excess|
|Keys||£300+||Up to £1,500, if you buy the optional cover|
|Protected NCD||2 times in 3 years (standard or optional extra)||Yes, if you have at least 4 years NCD and buy the option|
|Car recovery after accident||Included||Reasonable costs covered|
|Courtesy car (repairs)||Minimum 14 days||For duration of repairs|
|Repairs guaranteed||12-month guarantee||5 years|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old||if cost to repair more than 55% of list price; up to one year old|
|Stereo and satellite nav||Market value for manufactur fitted||up to £500|
|Alternative transport & Hotel after accident||£250+||up to £300|
|24-hour emergency helpline||Standard||0344 600 9021|
|Courtesy car (total loss or theft)||Standard or add-on extra||Not available|
|Motor legal expenses||Standard or add-on extra||Optional add on|
|Breakdown cover||Standard or add-on extra||Optional add on|
|"Could Have" Features|
|Same cover in EU||Standard or add-on extra||up to 90 days|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Covered even if there is no apparent damage|
|Larger/premium courtesy car||Standard or add-on extra||Up to £1,500, if you buy the optional coverYes, if you have at least 4 years NCD and buy the option|
|No fault NCD protection||Standard||Not available|
|Uninsured driver NCD protection||Standard||Included|
|APR on monthly instalments||Ideally under 18%||Variable|
|Cancellation fee||No more than £50||£50|
Sainsbury's Car Insurance Customer Service Reviews and Ratings
Existing customers have rated Sainsbury's Bank with an average of 4.2 out of 5 stars on Trustpilot by 3,213 customers, but 18% awarded Sainsbury's Bank with only a 1-star "Bad" rating. Let's see what customers really have to say and what the biggest complaints are.
|Sainsbury's Bank Ratings & Customer Reviews|
|Trustpilot customer service rating||4.2 out of 5|
To give you a feel for what people like and don't like about Sainsbury's car insurance, we've scoured the online customer reviews to find common complaints and praise for car insurance specifically. Most of the negative reviews related to products other than car insurance (e.g., loans, credit cards and home insurance). Here's some of what we found:
Excellent Customer Reviews for Sainsbury's Car Insurance
"Was very impressed with how quick and easy it was to get car insurance online. It was very quick in sending over documents. I would recommend sainsbury insurance."
"Cheapest car insurance I found and it's from a trusted company."
Negative Customer Reviews for Sainsbury's Car Insurance
"I have been on hold for over an hour through their robotic stages and haven't spoken to an actual human yet. I am trying to cancel my car insurance with them but a simple task is proving difficult."
"Great to start with. But as soon as you experience financial difficulty forget it."
"Got car insurance from Sainsbury Bank... A few days later I checked the paperwork online and found a mistake as my first name was replaced by my wife's, who does not drive. This could have been caused by me entering her nectar card number to get extra points."
Look out for this—it sounds like the system might create an error if you enter the Nectar card number of someone different than the driver named on the policy.
Sainsbury's Car Insurance Quote Comparison
Sainsbury's Bank car insurance is generally not a budget option, but their prices are on par with the likes of LV=, One Call and RAC car insurance. We got sample quotes for a 30-year-old drive of a Ford Fiesta over 50 postcodes and found that Sainsbury's was less expensive than Tesco and Ageas, but more expensive than cheap comparison site offerings from Quotemehappy.com (Aviva), Admiral, Churchill (Direct Line Group) and Hastings.
|Average premium over 50 sample post codes for a 30-year-old driver of a Ford Fiesta|
Quotes will vary drastically for different profiles, so you may need to pay more or less than these rates, but this information can give an idea of how an insurance provider tends to compare in terms of price.
Sainsbury's Car Insurance Discounts
Sainsbury's Bank offers a few simple car insurance discounts, such as lower prices for a safe driving history, no claims discounts and paying in full every year.
|No Claims Discount||Each year you don't make a claim should increase the discount you receive|
|Pay upfront||Pay your full premium at the start of the policy to save money (the APR is variable)|
|Buy your policy early||Try to buy your policy around 3 weeks ahead of the start date to save up to 50%|
Sainsbury's Charges and Fees
Sainsbury's charges a £50 fee to cancel your policy after the initial 14-day window—and there's no fee to cancel during the cooling off period. (You'll also have to pay for any time on cover, of course.) Changes such as adding a driver or a change of address cost £25 to make over the phone and are free to make online through the customer portal.
|Sainsbury's Car Insurance Cancellation and Admin Fees|
|Admin Changes (e.g., change address, add a driver, etc.)||£25 via phone, free online|
Important Sainsbury's Bank Car Insurance Phone Numbers
Customers have slightly worse access to customer service with Sainsbury's Bank than with other insurers, as they're closed Sundays (except roadside assistance is open 24 hours a day). Lines are normally open Monday to Friday 9am to 7pm and Saturdays 9am – 5pm. There's an online customer portal, but no live chat feature.
|Sainsbury's Bank Insurance Contact Numbers|
|Customer Services||0345 266 1670|
|Claims||0344 600 9021|
|Windscreen claims||0344 600 9021|
|Guaranteed Courtesy Car claims (8am - 6pm)||01737 334 252|
|Key Cover claims||01737 334 254|
|Motor Legal Protection - Uninsured loss recovery and personal injury||0344 600 9022|
|Motor Legal Protection - Motor Legal Advice, Contract Dispute or Vehicle Cloning||0333 005 0349 and quote AUXSAINMLP16|
|24 Hour Helplines|
|Breakdown service||0330 159 8485|
To view your documents online, log into your customer portal or access the policy documents here.
Other Car Insurance Reviews
If you'd like to compare Sainsbury's Bank to other car insurance companies, see our other car insurance reviews below: