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Sainsbury's home insurance review

Read Which?'s expert review of Sainsbury's home insurance policies, find out how we rate Sainsbury's contents and buildings insurance and how it compares to dozens of other home insurance companies.

In this article
Who is Sainsbury's? What does Sainsbury's home insurance cover? How Which? rates Sainsbury's home insurance Sainsbury’s home insurance policy: is it good or bad? How did customers rate Sainsbury's home insurance?
Does Sainsbury's offer different levels of home insurance cover? How much does Sainsbury's home insurance cost? What is Sainsbury's claims number? Who underwrites Sainsbury's home insurance? Get top money-saving tips with Which?

Who is Sainsbury's?

Sainsbury's was established 150 years ago and became the first major supermarket to open a bank in the UK in February 1997.

Today, it offers a range of financial products including home insurance, travel insurance and personal loans.

Sainsbury's is a publicly owned company which is traded on the London Stock Exchange. 

What does Sainsbury's home insurance cover?

The information below gives an at-glance view of the key things that Sainsbury's home insurance covers as standard.

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

 

 Burst pipes

 

Covers the cost of repairing burst pipes in your property.

 

 Loss and theft of keys

 

Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.

 

 Garden cover

 

Garden cover protects against damage to items in your garden including plants and garden furniture.

 

 Home emergency

 

Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.

 

 Accidental damage

 

Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.

 

 24 hour (emergency) helpline

 

Allows you to call a 24-hour helpline for assistance in the case of a home emergency.

 

Legal expenses

 

Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.

 

 Personal possessions

 

Personal possessions cover protects your portable belongings while you’re outside of your property.

 

How Which? rates Sainsbury's home insurance

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

We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.

We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.

We combine this into an overall score to highlight the insurers that offer great cover and service.

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Home And Mobile 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 25% each of Buildings and Contents policy scores.
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.
Buildings policy score
%
Which?'s rating of the quality this company's buildings insurance policy. We analysed 32 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality this company's contents insurance policy. We analysed 46 features of its cover to calculate the policy score.
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Sainsbury’s home insurance policy: is it good or bad?

In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.

We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.

Overall, 52 out of the 60 elements policy elements we analysed in Sainsbury's home insurance earned a 3-star rating or higher.

While 22 of Sainsbury's policy elements were given a full 5-star rating, 26 were given 3-star rating, which indicates an average level of cover.  

Best parts of Sainsbury's home insurance policy

We’ve identified three standout features in Sainsbury's home insurance policy

  • £25,000 bicycle cover when it's away from your home, which we gave 5 stars
  • A discount for buying buildings and contents insurance together, which scored 5 stars
  • A £2,500 garden contents cover limit, which earned 5 stars

Worst parts of Sainsbury’s home insurance policy

We've identified three features in Sainsbury's home insurance policy which scored poorly:

  • Digital information is not covered, which we gave 0 stars
  • No claims discount protection not offered, which earned 0 stars
  • Variable APR on monthly payments, which scored 2 stars

List three features that the policy scored lowest in policy

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Policy elements Details Rating Area covered
Interest charged on payment by installments (APR) Logged out detail Logged out padlock Buildings and contents
Renewal fee (£) Logged out detail Logged out padlock Buildings and contents
Home emergency cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Home emergency cover (£) Logged out detail Logged out padlock Buildings and contents
Owner's / Occupier's liability (£) Logged out detail Logged out padlock Buildings and contents
Accidental damage cover - standard, optional, not covered? Logged out detail Logged out padlock Buildings and contents
Subsidence - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Alternative accommodation (£) Logged out detail Logged out padlock Buildings only
Burst pipes - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Blockage of sewer pipe - standard, optional, not covered? Logged out detail Logged out padlock Buildings only
Single item limit for valuables - max limit (£) Logged out detail Logged out padlock Contents only
Contents in the open - within home boundary i.e. garden (£) Logged out detail Logged out padlock Contents only
Contents in outbuildings - including garages (£) Logged out detail Logged out padlock Contents only
Theft from outbuildings (£) Logged out detail Logged out padlock Contents only
Personal Possessions - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Personal Possessions limit within a car (£) Logged out detail Logged out padlock Contents only
Bicycles - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Mobile phones (away from home) - standard, optional, not covered? Logged out detail Logged out padlock Contents only
Does mobile phone cover include calls? Logged out detail Logged out padlock Contents only

To see how Sainsbury's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate Sainsbury's home insurance?

As well as looking at how Sainsbury's home insurance policy stacks up against others, we've also analysed how customers feel about it too.

Which?'s rating for customer satisfaction is 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.

Overall, Sainsbury's home insurance scored 70% for customer satisfaction, placing it 16th out of the 34 home insurers we looked at.

Customers scored Sainsbury's 'application process' and 'value for money' the highest and scored each one four stars out of five. Sainsbury's 'clarity of policy' was among the lowest-rated elements and was scored three stars. 

The table below shows how Sainsbury's home insurance scored for eight elements of customer satisfaction.

Customer satisfaction element Which? Customer rating

Application process

Logged out padlock
Clarity of policy Logged out padlock

Dealing with queries
Logged out padlock
Ease of managing your policy online Logged out padlock
Transparency of charges/penalties Logged out padlock
Dealing with complaints Logged out padlock
Experience of making a claim Logged out padlock
Value for money Logged out padlock

Does Sainsbury's offer different levels of home insurance cover?

The scores shown in this review relate to Sainsbury's standard home insurance policy.

If you would like to take out home insurance with Sainsbury's but need more cover, you could opt for Sainsbury's Bank Home Plus Home Insurance policy.

This policy offers:

  • Home Emergency cover included as standard
  • Accidental damage cover included as standard
  • 24-hour emergency helpline included as standard

Due to the increased level of cover, Sainsbury's Bank Home Plus Home Insurance policy is likely to be more expensive than its standard home insurance policy.

How much does Sainsbury's home insurance cost?

Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.

Sainsbury's allows you to gather quotes on its own website at www.sainsburysbank.co.uk/home-insurance.

But you can also compare Sainsbury's home insurance on the following price comparison sites:

  • Comparethemarket.com
  • Gocompare.com
  • Moneysupermarket.com

Check out our guide for more information on how add-ons, fees and charges affect the price of your home insurance.

What is Sainsbury's claims number?

If you need to make a claim with Sainsbury's home insurance call 0345 877 6919.

Sainsbury's will ask for details about what happened and when. They'll also want to know of any action you've taken so far.

You'll then be asked what you're claiming for and the approximate cost involved.

The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.

Due to sample size, we were unable to score Sainsbury's for claims satisfaction but you can find out how other insurers performed in our guide Making a home insurance claim.

Who underwrites Sainsbury's home insurance?

Sainsbury's home insurance is underwritten by the following panel of insurers; Axa,Covea, Integra, Legal and General, Modus, Prestige, RSA and PEN.

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