Sainsbury's Bank Car Insurance Review

Ronny Lavie By Ronny Lavie

  • Saisnbury's Bank offers £3.50 off fuel every month for a year for new customers who buy cover directly from Sainsbury's
  • Its Premier Car Insurance comes with double Nectar points on Sainsbury's shopping and fuel for up to two years
  • A 25% discount for Nectar card holders


Sainsbury’s needs no introduction – as one of the biggest supermarket chains in the country, it is a household name.

However, few people know it was the first UK supermarket to open its own bank, offering financial services such as credit cards, loans and insurance.

See if Sainsbury’s Bank made it on to our list of the Top 10 car insurance companies. We've also reviewed its home insurance here.

Overview of the cover provided by Sainsbury’s Bank Car Insurance

Sainsbury’s offer two main types of car insurance – their standard Car Insurance and Premier Car Insurance.

Standard Car Insurance includes:

  • A courtesy car from an approved repairer, if available
  • Windshield replacement or repair
  • Cover for stolen keys up to £1,000
  • Personal belongings cover up to £250

Premier Cover includes:

  • A guaranteed courtesy car and an enhanced courtesy car
  • Replacement lock and key cover for lost or stolen keys up to £1,000
  • Cover for vandalism
  • Double Nectar points for up to two years if you meet certain conditions
  • Personal belongings cover up to £500

To see how Sainsbury’s Bank compares to other providers, have a look at our guide to the best car insurance companies.

How much does car insurance from Sainsbury’s Bank cost?

The cost of car insurance varies depending on a number of factors, including the value and make of your car, where you live and the level of cover you are after (including any added extras).

However, if you have a Nectar card, you can receive up to 25% off your premiums.

And if you buy Sainsbury's Premier Car Insurance, you receive a range of benefits, including money off fuel for a year and double Nectar points on Sainsbury’s shopping and fuel for two years.

Find out about the average cost of car insurance here.

What do customers say about Sainsbury’s Bank Car Insurance?

Sainsbury's Bank Car Insurance scores 1.6 out of 5 from 61 reviews on and the bank, as a whole, scores 3.87 out of 5 from 52 reviews on

On Trustpilot, the Bank receives 1 out of 5 stars and a rating of 2.5 out of 10, based on 24 reviews.

On, Sainsbury’s Car Insurance received 4 out of 5 stars, based on 8 reviews.

What do Sainsbury’s Bank Car Insurance reviews from the experts say?

Fairer Finance gives Sainsbury's a 57% rating for its car insurance, which places it 16th out of 51 providers. It is also awarded a silver ribbon.

Independent financial researcher Defaqto has rated Sainsbury’s Premier Cover Car Insurance as 5 Star.

Their standard Car Insurance policy has received a 4 Star rating from Defaqto.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features", whereas a 4 Star policy is "a product with a good level of features and benefits".

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

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