Car Insurance

Compare our car insurance

Here's our car insurance cover at a glance - as well as our optional extras. So you can compare and choose what you need more easily.

What's included	Comprehensive cover				Third party, fire and theft
	Essentials	Standard	Plus		Standard	Plus
Loss or damage to your car (except fire and theft)
Loss or damage to your car (by fire and theft)
Loss of keys		Up to £1,000	Up to £1,000
Audio equipment		Manufacturer fitted – unlimmited Non-manufacturer – up to £500	Manufacturer fitted – unlimmited Non-manufacturer – up to £500		£150	£150
Damage to your windscreen
A courtesy car – three-door hatchback
No claims discount and named driver no claims discount
Driving other cars
Liability to other people
Driving in Europe
Replacement child car seat
New car cover
Medical expenses
Personal belongings including your Sainsbury's shopping
Personal accident	Up to £2,500	Up to £10,000	Up to £10,000
Protection against uninsured drivers
Breakdown cover			Bronze level cover only			Bronze level cover only
Motor Legal protection

Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.

For more details about what’s covered and what’s not, including any cover limits, exclusions or excesses, have a look at our policy documents.

Optional extras

Whether you’ve chosen Comprehensive cover or Third party, fire and theft cover, you can add even more protection to your policy with our optional extras. For an additional cost, you can insure yourself against lost car keys, breakdowns and more. So you know you’ll be covered for the things that matter most to you.

Your optional extras	Comprehensive cover			Third party, fire and theft
	Essentials	Standard	Plus	Standard	Plus
RAC Breakdown Cover						Optional	Optional	Bronze level cover only	Optional	Bronze level cover only
Motor Legal Protection - cover your expenses if you have to go to court	Optional	Optional		Optional
Guaranteed Courtesy Car - upgrade your courtesy car to a car the same size or bigger than yours	Optional	Optional	Optional	Optional	Optional
No Claims Discount Protection - keep your discount when you make a claim	Optional	Optional	Optional	Optional	Optional
Key Cover - get replacement locks and keys if you're locked out	Optional	Optional	Optional	Optional	Optional
Windscreen Cover				Optional	Optional
Excess Cover - claim back the total excess you have to pay if you make an eligible claim	Optional	Optional	Optional	Optional	Optional

Want to know what's included as standard in your policy? Take a look at our comparison table.

What is comprehensive car insurance?

This is our highest level of cover. It covers you and your car, and third parties and their cars when you're at fault.

What we cover

Our Comprehensive Cover includes everything from a replacement child car seat to European cover. So when you’re out on the road, all you need to worry about is keeping your eyes on it.

Here are some of our most popular features:

• Courtesy car – if you claim for loss or damage, we’ll give you an insured, three-door hatchback (or better) until your car is fixed and back on the road
• No Claims Discount for you and other named drivers – the more years you’re claim-free, the bigger the discount when you renew
• Cover for windscreen damage – we’ll cover the cost of the repair or replacement of your windscreen, sunroof or windows, plus any scratches to the bodywork from the broken glass
• Cover for your personal belongings and your Sainsbury’s shopping – we’ll give you up to £200 if your things are lost, or damaged by a fire, an accident or theft. We’ll also give you up to £200 for any Sainsbury’s shopping you had in the car at the time

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.

Get more mileage from your policy

For fuss free motoring, we've got some handy extras (at an additional cost) that you can add to your policy:

• No Claims Discount Protection – keep your discount even when you make a claim
• Motor Legal Protection – cover your expenses if you have to go to court
• Key Cover - get replacement locks and keys, and other transport if you're locked out
• RAC Breakdown Cover – choose from a range of cover to help when you’re stuck at the side of the road
• Guaranteed Courtesy Car – if a three-door hatchback won’t cut it, upgrade to a car the same size as yours – or bigger
• Excess Cover - claim back the total excess you have to pay if you make an eligible claim

What is third party, fire and theft car insurance?

Third party insurance (or third party liability insurance) is the minimum car insurance you must have by law. If you're in an accident where you were at fault, it protects other people, and their cars and property. But any repairs to your car have to come out of your own pocket.

Third party, fire and theft works in the same way as third party car insurance, but your car is covered if it is damaged by fire, stolen, or if a failed attempt to steal it results in damage to the car.

What we cover

With our Third Party, Fire and Theft cover, you can feel safe in the knowledge that the essentials are taken care of. Plus, we've added a few other things to put your mind at rest.

Here are just some of our most popular features:

• No Claims Discount for you and other named drivers – the more years you're claim-free, the bigger the discount when you renew

• Replacement child car seat if your car is lost or damaged, we'll cover the cost of replacing the child seat – even if it doesn't look damaged

• European cover so you can take your own car insurance on holiday with you for up to 35 days. And enjoy the same benefits you do in the UK

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.

Get more mileage from your policy

For fuss free motoring, we've got some handy extras (at an additional cost) that you can add to your policy to keep you on the road for longer:

• No Claims Discount Protection – keep your discount even when you make a claim
• Motor Legal Protection – cover your expenses if you have to go to court
• RAC Breakdown Cover – choose from a range of cover to help when you're stuck at the side of the road
• Guaranteed Courtesy Car – for a car a similar size as yours for 14 or 21 days.
• Key Cover - get replacement locks and keys, and other transport if you're locked out
• Excess Cover - claim back the total excess you have to pay if you make an eligible claim

You can access your account 24/7 online and make changes whenever you need to, plus there's no admin fee. To make this even easier you can also download our app. 

Why use the Portal?

Checking your details is quick and easy. You can also:

• Keep your policy up to date by making changes like changing your car or adding a driver, changing your address or cover if you need to

• View your insurance documents online, with instant access whenever you need them

• Upload documents like proof of no claims discount

• Renew your policy and pay online if you need to

To make managing your policy even easier these great features are also available on our app which you can download from the App Store or Google Play. You can login using the same details.

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

Got a question?

Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.

Sainsbury's Bank Car Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.