Comprehensive car insurance

Protect yourself and your car with our highest level of cover. Comprehensive car insurance covers you and your car, as well as third parties and their cars when you’re at fault. Going fully comprehensive means we’ll also include protection against uninsured drivers, plus loss or damage to your car. 

Although we don’t like to think about something going wrong, it’s important that you feel confident on the road. Be safe in the knowledge that you’re covered for a whole range of mishaps and damage.

Key benefits 

• Comprehensive cover for you, your car and third parties
• No claims discount for you and other named drivers
• You’ll be protected against uninsured drivers 
• Get a replacement child car seat if you’re in an accident, to keep your little ones safe
• Discount on your car insurance just for being a Nectar member‡

See all the details of our fully comprehensive insurance below. 

What we cover

Our comprehensive insurance comes with an extensive range of protections, plus the option to add extra cover.

Comprehensive	Essentials	Standard	Plus
Your car is covered for loss or damage
Personal accident cover plus liability to other people
Damage caused while driving other cars
No claims discount for you and other named drivers
A replacement car seat for your child after an accident
European cover - up to 90 days of your full cover to drive in any EU country, as well as Iceland, Norway and Switzerland
Protection against uninsured drivers
Cover for your personal belongings and Sainsbury's shopping in or on your car
Windscreen damage
A courtesy car to keep you on the move if your car needs repairs

Tailor with optional extras

For an additional cost we have a range of optional extras that you can add to your insurance.

Comprehensive	Essentials	Standard	Plus
RAC Breakdown Cover	Optional	Optional	Bronze level cover only
Motor legal protection - your expenses are covered if you have to go to court	Optional	Optional
Guaranteed courtesy car - upgrade your courtesy car and get one the same size as your own	Optional	Optional	Optional
No claims discount protection - don’t lose your discount if you make a claim	Optional	Optional	Optional
Enhanced key cover – increased policy limit and also covers your home and office replacement locks and keys if you're locked out	Optional	Optional	Optional

Cover limits, exclusions and excesses apply. For a full list of what’s covered – and a comparison with third party, fire and theft – go to choose your cover.