Is Sainsbury's a Good Insurance Company?
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Discover the methodologyYou are considering buying an insurance policy at Sainsbury's and are wondering if Sainsbury's is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Sainsbury's: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Sainsbury's.
Who is Sainsbury’s?
In 1997, Sainsbury was the first supermarket to open a bank. The company now also offers a wide range of financial and insurance products such as Travel Insurance, Car Insurance, Home and Pet Insurance. Sainsbury's Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
What are the main insurance policies available at Sainsbury’s?
Let's discover below main insurance policies offered by Sainsbury's.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more | |
| Life insurance | Get to know more | |
| Pet insurance | Get to know more |
Sainsbury’s expert and consumers reviews: Defaqto, TrustPilot
Sainsbury's is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Sainsbury's.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | Home: 5 stars |
| Pet insurance | Lifetime (£10,000): 5 stars |
Is Sainsbury’s a good car insurance company?
3,2 Safe overall rating for Sainsbury's car insurance
Sainsbury's offers two types of comprehensive cover: Standard and Plus. With both covers, a lot of car cover features are offered as standard, such as windscreen cover, a courtesy car if your car is damaged in an insured incident and uninsured driver protection. Optional extras can be added to a policy e.g. motor legal cover and breakdown. Sainsbury offers a 5 year guarantee on repairs. Apart from this, their customer care reviews are high and the website can be easily navigated.
In addition to typical car insurance coverage choices, Sainsbury's offers, among other options:
Breakdown cover
Sainsbury collaborated with RAC to provide five levels of breakdown cover which are the Bronze, Silver, Gold, Platinum, Platinum+ Europe. They all provide cover as follows:
- Bronze: Misfuel cover, roadside assistance
- Silver: Misfuel cover, roadside assistance, UK recovery
- Gold: Misfuel cover, roadside assistance, UK recovery, At Home cover
- Platinum: Misfuel cover, roadside assistance, UK recovery, At Home cover, Onward travel
- Platinum plus Europe: Misfuel cover, roadside assistance, UK recovery, At Home cover, Onward travel, European motoring.
Windscreen cover
For windscreen replacement, the following apply:
- excess paid for an approved windscreen repairer: £10
- excess paid for replacement from an approved repairer: £75
- excess paid for an un-approved windscreen repairer: £25
- excess paid for replacement from an un-approved repairer: £100.
Motor legal protection
The Motor Legal Protection provided by Sainsbury offers:
- up to £100,000 of cover for legal costs if you're involved in a motor accident that is not your fault
- access to legal counsel
- cover for the insurance policy holder and other named drivers
- car hire costs
- 24 hours legal helpline.
Personal injury policy
The personal accident cover Sainsbury provides offers up to £5,000 in the case of an accident.
Besides main car insurance coverage, you can also get extra car insurance options at Sainsbury's. Get to know more, read our complete review on Sainsbury's car insurance.
Is Sainsbury’s a good travel insurance company?
4,8 Safe overall rating for Sainsbury's travel insurance
Sainsbury's Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Aside from the usual Single and Annual Multi Trip, Sainsbury's also offers Extended Stay Travel Insurance Policy that can be used by people looking to take a gap year or to travel around for a long time before returning home. Their policies are available across 3 levels of cover: Silver, Gold and Platinum.
Due to the 5 star rating on Defaqto and high customer satisfaction rate on Trust Pilot, we would recommend Sainsbury's Travel Insurance to anyone looking for an affordable and easy to manage travel insurance policy.
For single and annual multi-trip cover, age and maximum number of days limits at Sainsbury's are:
| Main travel insurance policies | Available at Sainsbury's |
|---|---|
| Sainsbury's maximum number of days limit | Single Trip: 94 days |
| Sainsbury's age limit | Single Trip: No age limit |
You will find Sainsbury's cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, Sainsbury's also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
The following upgrades and specific insurance policies are also available at Sainsbury's:
- Wedding Cover
- Vehicle Hire Excess Waiver
- Over 55s Cover
- Medical Cover for travellers with pre-existing medical conditions.
>> MORE: read our complete review on Sainsbury's travel insurance.
Is Sainsbury’s a good home insurance company?
4,3 Safe overall rating for Sainsbury's home insurance
Sainsbury's offers two levels of cover for your home: Home and HomePlus, both rated 5 stars by Defaqto.
Sainsbury's home insurance is highly rated by customers although cover provided in both standard and comprehensive plan is average. The maximum sum insured for both building and contents insurance, and with both levels of cover can not go up to £1M.
However, the Sainsbury's app available allows anyone to fully manage his home insurance policy online (including reporting a home insurance claims).
In the HomePlus level of cover, home emergency and family legal protection available as optional extras in the standard level of cover, are included as standard.
Sainsbury's building insurance
You will find below building main insurance details for the Home insurance cover at Sainsbury's:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £50 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: £10 000
- Keys cover: £750 - £1500 (optional)
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Sainsbury's contents insurance
You will find below contents insurance details for the Home insurance cover at Sainsbury's:
- Maximum sum insured for your contents: £75 000
- Alternative emergency accomodation: £15 000
- Single item limit: £2 000
- Contents in the open: £2 000
- Contents in outbuildings: £3 000
- Money / credit card kept at home: £500 / £500
- Items temporarily removed from home: £10 000
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Sainsbury's is £100.
You will find exhaustive cover details, administration fees, contacts etc. on Sainsbury's home insurance on our review below.
>> MORE: read our complete review on Sainsbury's home insurance.
Is Sainsbury’s a good life insurance company?
4,2 Safe overall rating for Sainsbury's home insurance
Sainsbury’s life insurance is underwritten by Legal & General and they have a five star rating on Defaqto.
Sainsbury’s offers both level term and decreasing term life insurance, and also insurance for policyholders over the age of 50. Optional extras like the critical illness cover can also be added to the insurance policy.
Good customer care reviews were rercorded on third party review websites. The insurance policies are affordable as they cost about £5 per month. Their services are recommended.
In summary, here are the main features you need to know when taking out life insurance with Sainsbury's.
| Life insurance criteria | |
|---|---|
| Minimum age | 18 years |
| Maximum age | 77 years |
| Pay-out | Not Stated |
| Extras | A life insurance calculator is available on the website. |
| Terminal illness | Yes |
You will find everything you need to know on Sainsbury's life insurance in our review.
>> MORE: read our complete review on Sainsbury's life insurance.
Is Sainsbury’s a good pet insurance company?
4 Safe overall rating for Sainsbury's pet insurance
In 1997, Sainsbury was the first supermarket to open a bank. The company now also offers a wide range of financial and insurance products such as Travel Insurance, Car Insurance, Home and Pet Insurance. Sainsbury's Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The pet insurance that Sainsburys provides is sold, underwritten and administered by Pinnacle Insurance plc.
Sainsbury offers three levels of cover which are the LIfetime, Time limited and Maximum benefit cover options. For the Time Limited pet insurance cover, illness or injury is covered for a 12 months period or up to a maximum of £3,000. The Maximum benefit option provides £7,500 vet fees worth of cover, unlimited length of cover per condition, treatment limit of up to £1,000, up to £1,000 limit for physiotherapy and up to £250 for behavioural treatment. The Lifetime insurance option provides up to £2,500, £5,000 or £7,500 of cover per year, which automatically renews every year and can cater for new or ongoing/chronic conditions.
Sainsbury has a high rating of 4.2 on TrustPilot and both the Lifetime and Maximum Benefit cover options are rated 5 stars on Defaqto with the Time Limited cover option rating 3 stars. They have a high financial capacity to pay out claims and their services are recommended.
What does Sainsbury's pet insurance cover in a nutshell?
Sainsbury's offers only Lifetime policies, and same level of cover for both cats and dogs. Policies are as described below:
- Lifetime £2,500 per policy year - Lifetime cover for ongoing conditions - Limits reinstated upon renewal
- Lifetime £5,000 per policy year - Lifetime cover for ongoing conditions - Limits reinstated upon renewal
- Lifetime £7,500 per policy year - Lifetime cover for ongoing conditions - Limits reinstated upon renewal
>> MORE: read our complete review on Sainsbury's pet insurance.
Sainsbury’s discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | Up to 20% discount offered to people who are already members of Nectar. |
| Home insurance | No discount available. |
| Life insurance |
|
| Pet insurance | A £1 discount per pet per month discount is given on multi-pet policies. |
How to contact Sainsbury’s?
Find out how to contact and log in to Sainsbury's on our contact page.
