Home Insurance

Exclusive colleague offers

Free Home Emergency Cover and monthly payments at no extra cost^

As a Sainsbury's colleague, when you buy combined buildings and contents insurance with Sainsbury's Bank, you'll enjoy all the benefits of the cover and you can get:

• Free Home Emergency Cover - this means you'll have up to £1000 (including VAT) a claim for call outs, labour, parts and materials to carry out an emergency repair related to plumbing, drainage, heating and internal electrics. See policy for more details.^
• Monthly payments at no extra cost, so you can spread the cost of your home insurance through the year, at the same cost as paying for it all up front. Credit subject to status. Available to 18s and over.

To take advantage of this offer:

• Get a quote here for combined buildings and contents insurance or call 0345 266 1583.
• Enter SBCOL2018 in the Promotional Code box on the 'Your details' tab. On 'Your quote' page ensure you select 'monthly payments' and add 'Home Emergency Cover' and recalculate. If you don't use the code when getting your quote the offer won't apply and it can't be added at a later date.
• Have your colleague number handy, in case you're asked for it.

All new customers, including colleagues, will get:

• Guaranteed discount for Nectar members
  As a thank you for being a Nectar member you'll automatically get a discount on your home insurance within your quote. Get a quote today ‡

Where multiple discounts apply, each discount is applied consecutively to the reduced premium.

Offer terms and conditions

^ Free Home Emergency Cover and monthly payments at no extra cost is only available to Sainsbury’s, Sainsbury’s Bank, Argos, Habitat and Nectar colleagues and Sainsbury’s veterans, who buy a new combined Sainsbury’s Bank buildings and contents policy direct from Sainsbury’s Bank. This offer runs for a year from start date of the policy. Monthly payments at no extra cost are only available for colleagues who are 18 years and over. Promotional code must be provided at the time you buy your policy. Proof of employment status may be required at any point when you buy and use the policy. Sainsbury's Bank reserves the right to cancel your policy if proof is not provided when requested. Existing customers are not able to transfer from current colleague promotions to this offer, whilst keeping their existing policy. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice. No cash alternative available.

‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.

Compare our home insurance

Here's our home insurance at a glance — including our optional extras. So you can compare and choose what you need more easily.

Buildings	Home	Home Plus
Sum insured up to £1 million as standard
Accidental damage to fixed ceramic hob, sanitary ware, fixed glass
Alternative accommodation up to £50,000 if your home is uninhabitable after an incident covered under your insurance
Trace and access – we'll find and fix water or oil leaks from your home appliances or installations.
Family Legal Protection – cover the costs if you have to go to court for a private legal dispute	Optional

Contents	Home	Home Plus
Sum insured up to £75,000 as standard (Single valuable item limit £2,000)
Accidental damage to TV, DVD and games consoles
Alternative accommodation up to £15,000 if your home is uninhabitable after an incident covered under your insurance. (Up to £50,000 when combined with Buildings cover).
Garden Contents cover up to £2,000 on plants, garden items and children’s toys
Family Legal Protection – cover the costs if you have to go to court for a private legal dispute	Optional

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.

Tailor your cover with some optional extras

No two homes are the same. So you can make your insurance fit your needs perfectly with our optional extras.

Tailor Your Cover	Home	Home Plus
Family Legal Protection Cover cover your costs if you have to go to court for a private legal dispute	Optional
Personal Possessions Cover for your belongings when you’re out and about	Optional	Optional
Excess Cover claim back the total excess you have to pay if you make an eligible claim	Optional	Optional
Key Cover don't get locked out in the cold	Optional	Optional
Bike Cover away from home covering your bike when you're out and about, with our Personal Possessions Cover	Optional	Optional
Enhanced Accidental Cover - buildings boost up your cover, for things like putting your foot through the attic floor	Optional	Optional
Enhanced accidental Cover – contents to help you deal with things like the paint spill on a new carpet	Optional	Optional

For more detail about what's covered and what's not, have a look at our policy documents.

Our Buildings and Contents Cover

With all the time and effort you put into making a house a home, it's a good idea to make sure you've got everything from the walls to the wellies covered. And our joint buildings and contents insurance could be just the thing.

What is buildings and contents insurance?

With building and contents insurance – sometimes called house and contents insurance – you're covered for repairs or replacements when it comes to damage, loss and theft. Things like the walls and roof, fixtures and fittings are taken care of with Buildings Cover. And your personal belongings, including clothes, furnishings and jewellery, are protected by Contents Cover.

What we cover

With our Buildings and Contents Cover, you get all the features of our Buildings Cover and our Contents Cover in one neat package. We'll cover your home and your belongings if they're damaged by things like vandalism, flooding or a storm – even an earthquake. We'll also help with your costs if something gets lost or stolen.

Here are just some of the things you'll get as standard when you buy our cover:

• Contents cover – up to £75,000 sum insured and up to £2,000 for a single valuable item as standard.
• Buildings cover – up to £1 million sum insured as standard.
• Accidental damage cover – for things like your drains and pipes, your TVs and games consoles, plus you can get even more protection if you add our optional enhanced Accidental Damage Cover for an additional cost.
• Trace and access – we'll find and fix any water or oil leaks from your home appliances or installations.
• Mobile phone and gadget cover – you're covered if they're lost or stolen in your home, plus you can add Personal Possessions Cover for when you're out and about.
• Jewellery cover – we'll pay up to a maximum of £25,000 for jewellery that is stolen or damaged.
• Bike cover – if your bike is taken from your home, we'll pay up to £750 to replace it, and you can add Personal Possessions Cover, for an extra cost, which covers your bike when you're away from home.

Have a look in our policy document for a full list of what's covered by our buildings and contents insurance – and what's not.

If you don't need the belt and the braces...

You can buy our Contents Cover or Buildings Cover separately.

Furnish your cover with our optional extras

Once you've laid the foundations with our standard cover, for an extra cost you can build on it with our optional extras to give you, your family, and your treasured possessions even more protection.

• Enhanced Accidental Damage Cover – for both contents and buildings insurance
• Personal Possessions Cover – in and outside your home – including your mobile phone and your gadgets. Also includes bike cover away from home.
• Excess Cover – claim back the total excess you have to pay if you make an eligible claim
• Family Legal Protection – cover your costs if you have to go to court for a private legal dispute

Alternatively our Home Plus cover includes Home Emergency Cover and Family Legal Cover as standard.

Our Contents Cover

It's what's on the inside that counts. When you think about how much your belongings are worth, it can really start to add up. So if you were burgled or there was a fire in your home, you might struggle to replace all your things in one go. That's unless you have contents insurance to help soften the blow.

What is contents insurance?

Home contents insurance covers your belongings – generally, anything you would take with you when you moved house. If your things are lost, stolen or damaged, we can help with the cost of fixing or replacing them.

What we cover

Our Contents Cover can help make sure you're not out of pocket if something happens to your worldly possessions. Whether they're lost, stolen or damaged by things like flood, fire, theft or vandalism.

Here are just some of the features you'll get as standard when you buy cover:

• Contents cover – up to £75,000 sum insured and up to £2,000 for a single valuable item as standard.
• Accidental damage cover – for things like your TV, games consoles or laptop when they're in your home. Plus, for an extra cost, you can add our optional enhanced Accidental Damage Cover for even more protection, like spilling paint on your new carpet.
• Mobile phone and gadget cover – if they're lost or stolen in your home – plus you can add extra protection with our Personal Possessions Cover for when you're out and about.
• Jewellery cover – we'll pay up to a maximum of £25,000 for jewellery that is stolen or damaged.
• Bike cover – if your bike is taken from your home, we'll pay up to £750 to replace it – and you can add extra protection with our Personal Possessions Cover, for an additional cost, to cover you when you're on the road.

Have a look in our policy document for a full list of what's covered by our buildings and contents insurance – and what's not.

All in?

Now you have your contents covered, our buildings insurance can take care of the fixtures and fittings – and the all-important structure of your home.

Furnish your cover with our optional extras

Now you've laid the foundations with our standard cover, for an extra cost you can build on it with our optional extras to give you, your family, and your treasured possessions even more protection.

• Enhanced Accidental Damage Cover – for both contents and buildings insurance
• Personal Possessions Cover – in and outside your home – including your mobile phone and your gadgets. Also includes bike cover away from home.
• Excess Cover – claim back the total excess you have to pay if you make an eligible claim
• Key Cover - get replacement locks and keys, and access to a nationwide network of locksmiths if you're locked out
• Family Legal Protection – cover your costs if you have to go to court for a private legal dispute

Have a look in our policy documents for more details of what’s covered and what isn’t.

Alternatively our Home Plus cover includes Home Emergency Cover and Family Legal Cover as standard.

Our buildings insurance

Your house isn't just a building it's also your home. So it would be no good if your central heating sprung a leak when you've just redecorated or if a branch came through the window in a storm. So when it comes to protecting your home, buildings insurance is a must-have.

What is buildings insurance?

Buildings insurance is the part of your home insurance that's for your actual property – rather than your belongings. It covers the structure of your house and includes things like windows and doors, walls and the roof, as well as permanent fittings like your built-in bathroom and fitted kitchen. Most mortgage providers will insist that you have Buildings Insurance as part of the terms of the mortgage agreement.

What we cover

With our buildings insurance, the fabric of your home is in good hands. You can be covered for everything from loss or damage caused by things like fire, flood, lightning – even an earthquake – to malicious damage and vandalism.

Here are just some of the things you'll get as standard when you sign up:

• Buildings cover – up to £1 million sum insured as standard
• Accidental damage cover – for your pipes and wires, your locks, and any damage done in the search for a leak – plus, for even more protection, you can add our optional enhanced Accidental Damage Cover for an additional cost.
• Trace and access – we'll find and fix any water or oil leak from your home appliances or installations.
• No claims discount – get a discount on your next year's premiums if you don’t make a claim.

Have a look in our policy document for a full list of what's covered by our buildings insurance – and what's not.

That's the house covered

But what about the contents? Our contents insurance will take care of your prized possessions.

Furnish your cover with our optional extras

Now you've laid the foundations with our standard cover, for an extra cost, you can build on it with our optional extras to give you, your family, and your treasured possessions even more protection.

• Enhanced Accidental Damage Cover – for both contents and buildings insurance
• Family Legal Protection – cover your costs if you have to go to court for a private legal dispute
• Key Cover - get replacement locks and keys, and access to a nationwide network of locksmiths if you're locked out
• Excess Cover - claim back the total excess you have to pay if you make an eligible claim

Alternatively our Home Plus cover includes Home Emergency Cover and Family Legal Cover as standard.

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 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.

After more information?

Have a look at our frequently asked questions for more on our home insurance and how it works. We’ve also put together some helpful guides on everything from security tips for students and moving home to going green and protecting your home against storms.

Sainsbury's Bank Home 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.

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