Sainsbury's Bank Car Insurance Review: How does Coverage Compare?

Sainsbury's Bank Car Insurance Review: How does Coverage Compare?

Good for

  • Longer guarantee for repairs
  • Courtesy car for duration of repairs
  • Solid set of features available as add ons including premium courtesy car

Bad for

  • Need to pay extra for some add ons (e.g., key cover)

Editor's Rating

4.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Sainsbury's Bank offers cover from a wide selection of car insurers, such as Zurich and Axa. Comprehensive car insurance from Sainsbury's Bank is solid all around, with desirable features either included as standard or available as extras.

In This Review

Sainsbury's Car Insurance Overall Review

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 you get on a lot of other plans)
  • Courtesy car provided for duration of repairs (vs. 14 days from many 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 IncludesDoes Sainsbury's Deliver?Sainsbury's Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
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Full cover if use approved repairer, but you pay an excess
Belongings£200+
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£200
Keys£300+
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Up to £1,500, if you buy the optional cover
Protected NCD2 times in 3 years (standard or optional extra)
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Yes, if you have at least 4 years NCD and buy the option
Car recovery after accidentIncluded
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Reasonable costs covered
Courtesy car (repairs)Minimum 14 days
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For duration of repairs
Repairs guaranteed12-month guarantee
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5 years
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
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if cost to repair more than 55% of list price; up to one year old
Stereo and satellite navMarket value for manufactur fitted
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up to £500
Alternative transport & Hotel after accident£250+
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up to £300
24-hour emergency helplineStandard
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0344 600 9021
Courtesy car (total loss or theft)Standard or add-on extra
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Not available
Motor legal expensesStandard or add-on extra
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Optional add on
Breakdown coverStandard or add-on extra
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Optional add on
"Could Have" Features
Same cover in EUStandard or add-on extra
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up to 90 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
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Covered even if there is no apparent damage
Larger/premium courtesy carStandard or add-on extra
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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 protectionStandard
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Not available
Uninsured driver NCD protectionStandard
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Included
APR on monthly instalmentsIdeally under 18%
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Variable
Cancellation feeNo more than £50
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£50

Sainsbury's Car Insurance Customer Service Reviews and Ratings

Drivers can expect an above average customer experience with Sainsbury's. Existing customers have rated Sainsbury's Bank with an average of 4.2 out of 5 stars on Trustpilot by 3,213 customers. These reviews reflect all of Sainsbury's Bank, and most negative reviews relate to travel insurance, loans and credit cards—not car insurance.

Sainsbury's Bank Ratings & Customer Reviews
Trustpilot customer service rating4.2 out of 5
Defaqto5 star

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
Churchill£427
Quotemehappy.com£600
Admiral£670
Elephant£677
Diamond£682
Hastings (Essential)£685
People's Choice£735
Bell£749
Sheila's Wheels£776
esure£780
More Than£781
LV=£988
RAC£1,124
One Call£1,177
Sainsbury's£1,194
Tesco£1,584
Ageas£2,805

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.

chart showing a cost comparison of Sainsbury's Bank car insurance to Bell, Hastings, Quotemehappy, Hastings Smart Miles, Admiral Little Box, Churchill, LV= and others

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.

DiscountWho qualifies?
No Claims DiscountEach year you don't make a claim should increase the discount you receive
Pay upfrontPay your full premium at the start of the policy to save money (the APR is variable)
Buy your policy earlyTry 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 £50 to cancel your policy after the initial 14-day window. 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
Cancellation£50
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 Services0345 266 1670
Claims0344 600 9021
Windscreen claims0344 600 9021
Guaranteed Courtesy Car claims (8am - 6pm)01737 334 252
Key Cover claims01737 334 254
Motor Legal Protection - Uninsured loss recovery and personal injury0344 600 9022
Motor Legal Protection - Motor Legal Advice, Contract Dispute or Vehicle Cloning0333 005 0349 and quote AUXSAINMLP16
24 Hour Helplines
Breakdown service0330 159 8485

Policy Documents

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:

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.