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Sainsbury's Bank car insurance review

Read Which?'s expert review of Sainsbury's Bank car insurance. Find out how we rate Sainsbury's Bank's policy against 34 other providers.

In this article
What does Sainsbury's Bank car insurance cover? Does Sainsbury's Bank offer the best car insurance? Sainsbury's Bank car insurance policy: is it good or bad?
What is Sainsbury's Bank's car insurance claims number? Get top money-saving tips from Which?

Groceries aren't the only thing you can get from Sainsbury's. It opened a bank in 1997 and offers a range of financial products, including insurance, credit cards and mortgages. 

Sainsbury's Bank's car insurance policy is underwritten by a panel of Axa, Covea, LV, Markerstudy, Premier Underwriting, Pukka, Sabre and Zurich. 

What does Sainsbury's Bank car insurance cover?

The information below gives an at-a-glance view of the key areas that Sainsbury's Bank's Car insurance policy covers as standard.

Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Courtesy car

 

Provides the policyholder with a car to use while repairs are carried out on their vehicle as part of a claim

 

Personal accident

 

Covers the policyholder and passengers if they are injured in an accident

 

Stolen keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are stolen

 

Lost keys cover

 

Covers the cost of replacing keys and locks in the event that your car keys are lost

 

£ NCD protection

 

Allows the policyholder to make a specified number of claims over a period without affecting their no claims discount

 

£ Motor legal protection

 

Covers legal expenses for legal action you may take as the result of an accident

Does Sainsbury's Bank offer the best car insurance?

Here's how Sainsbury's Bank scored in our latest car insurance survey:

 

Car Insurance
Sainsbury's Bank review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 73 features of its cover to calculate the policy score.
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£1 for first month then £12.75/month unless cancelled

 

To help you find the best car insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse car insurance

 

We analyse and rate 73 key elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.

Sainsbury's Bank car insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, you can sign up to a one month trial of Which? Money for just £1 to access this review and thousands of others.

In detail: every part of the Sainsbury's Bank Car Insurance policy rated

Weighting Policy element Details Rating
Most important Courtesy car - included? Logged out detail Logged out padlock
Most important Courtesy car - guaranteed availability? Logged out detail Logged out padlock
Secondary Courtesy car period Logged out detail Logged out padlock
Other Courtesy car provided if car is stolen? Logged out detail Logged out padlock
Most important Windscreen damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Most important Window damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Most important Sunroof damage - limit per claim (Approved Repairer / Non-approved repairer) Logged out detail Logged out padlock
Secondary Personal belongings - limit per claim Logged out detail Logged out padlock
Other Personal belongings - items excluded Logged out detail Logged out padlock
Secondary Medical expenses - limit per claim Logged out detail Logged out padlock
Other Physio treatment included under medical expenses? Logged out detail Logged out padlock
Other Audio equipment - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Sat Nav - Limit per claim (Manufacturer fitted / Non-manufacturer fitted) Logged out detail Logged out padlock
Other Child car seat - Limit per claim Logged out detail Logged out padlock
Secondary Misfuelling cover - included? Logged out detail Logged out padlock
Secondary Misfuelling cover - limit per claim Logged out detail Logged out padlock

Table last updated in March 2020. Next update in January 2021.

 

What is Sainsbury's Bank's car insurance claims number?

If you need to make a claim with Sainsbury's Bank car insurance call 0345 608 6038 or +44 161 862 2889 if calling from abroad.

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