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Our car insurance policies

Our policy documents will steer you in the right direction

Support for existing customers 

    Policy documents for car insurance

    To view the correct policy booklet for Sainsbury’s Money Essentials, Standard or Plus Car Insurance, please select the relevant link below.
    For specific details of your own cover, please refer to your policy documentation.

      If you purchased Car insurance with a start date or renewal date on or after 1st May 2025:

      My policy started on or after 3rd June 2024 or has a renewal date on or after 25th June 2024:

      My policy had a start date between 29th November 2023 and 2nd June 2024, or had a renewal date between 29th November 2023 and 24th June 2024:

      To view the correct policy booklet for Sainsbury’s Money Essentials, Standard or Plus Car Insurance optional extras, please select the relevant link below.
      For specific details of your own cover, please refer to your policy documentation.

        Our optional extras include:

        • Motor Legal Protection
        • Key Cover
        • Guaranteed Courtesy Car
        • RAC Breakdown Cover

          If you purchased Car insurance optional extra with a start date or renewal date on or after 1st May 2025:

          My policy started on or after the 22nd August 2024 or has a renewal date on or after the 22nd August 2024:

          My policy started on or after 3rd June 2024 or has a renewal date on or after 25th June 2024:

          My policy had a start date between 29th November 2023 and 2nd June 2024, or had a renewal date between 29th November 2023 and 24th June 2024:

          Need more help?

          Whether you need to make a claim, make a change, or just make sure you know what’s what, we can help.

            Online portal

            Log in or register for our Online Portal so you can manage your insurance online.

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            Register

            Make a claim

            We'll clear the road

            To make our claims process as consistent and easy as we can for you, we work with Auxillis. They're specialists when it comes to car insurance claims and customer service. So when you call to make a claim on your main policy, their experts will go through how it all works with you, and make sure you don't hit any bumps along the way.
             

            Who to call

            If you're claiming on your main car insurance policy

            Call our 24-hour helpline on 0344 600 9021.

            We may record or monitor your call for security reasons, and to help us improve our customer service. Calls are charged at local rates from landlines and mobile.

            If you're claiming on your RAC Breakdown Cover

            You'll need to replace the 00 at the beginning with 810 if you're in Belarus or Russia.

            If you have hearing difficulties you can use a textphone to call by prefixing the number you need with 18001 for Typetalk. Or you can text 07855 828282.

            If you're claiming on your Motor Legal Protection

            If you're claiming on your Key Protection

            Please call 0344 856 2270 if you have purchased your policy from August 2024 onwards.

            Please call our helpline on 01737 334 254 if you purchased your policy before August 2024.
             

            If you're claiming on your Guaranteed Courtesy Car cover

            Please call our 24-hour helpline on 0344 600 9021.
             

            If you're claiming on your Windscreen Repair/Replace policy

            Please call us on 0344 600 9021.

             

             

            How to claim

            • Before you call us, call the police to get a crime reference number if you're claiming for theft or vandalism – or you think dangerous driving, drink driving or an uninsured driver was to blame.

            • Call us with your policy number to hand if you want to make a claim, or if something happens that you could claim for – even if you decide not to.

            • We'll take all the details of why you're claiming and what happened – there are a few tips below on this for you. We may ask you to fill in a claim form if we need more details.

            • We'll give you your claim number for next time you want to get in touch about your claim.

            • If you're claiming for something that was your fault, we'll deal with it all there and then for you. So if your car needs repairs, we'll arrange them through one of our authorised repairers. And if you need a courtesy car, we'll get that sorted too.

            • If you're claiming for something that wasn't your fault, we'll pass you directly to the insurer who manages your policy for you. They'll take over from there.

            • We'll let you know about any excess you have to pay towards your claim.
               

            What details to give us

            • Your policy number

            • Your crime reference number if you have one

            • If you have an accident, take a look at our guide on what to do if you have an accident for a few tips and what details to jot down

            • If you're claiming for something where someone else was involved, let us know if they admitted they were to blame
               

            For RAC breakdown cover

            You'll need these details to hand when you call us:

            • The driver's name and phone number

            • The make and model of the car

            • The car's location

            • Your credit card number – for Europe or other services

            Check your policy

            It's a good idea to check what's covered and how you're protected if you're not sure. That way, if you have an accident or your car gets damaged, you can see if we can help before you make a claim. Here are your documents:

            My policy started on or after 1st May 2025:

            My policy started on or after 3rd June 2024 or has a renewal date on or after 25th June 2024:

            My policy has a start date between 29th November 2023 and 2nd June 2024, or had a renewal date between 29th November 2023 and 24th June 2024:

            My policy has a start date or renewal date before 29th November 2023:

            To view the correct policy booklet for Sainsbury’s Money Essentials, Standard or Plus Car Insurance optional extras please select the relevant link below. For specific details of your own cover, please refer to your policy documentation.

            Optional extras include: 

            • Motor Legal Protection
            • Key Cover
            • Windscreen Cover (Third Party, Fire and Theft)
            • Guaranteed Courtesy Car
            • RAC Breakdown Cover

            My policy started on or after 1st May 2025:

            My policy started on or after the 22nd August 2024 or has a renewal date on or after the 22nd Auguat 2024:

            My policy started on or after 3rd June 2024 or has a renewal date on or after 25th June 2024:

            My policy had a start date between the 29th November 2023 and the 2nd June 2024, or had a renewal date between the 29th November 2023 and the 24th June 2024.

            My policy had a start date or a renewal date before 29th November 2023:

              Making changes to your policy

              It’s easy and there are no admin fees (saving you £25) when you make changes to your policy online. With our online portal you can:

              • Update your personal details
              • Change your vehicle details if you buy a new one
              • Change details of how you use your vehicle
              • Add or remove additional drivers
              • Cancel your policy - cancellation fee(s) may apply

              Once you’ve logged in just select ‘Make a change’, which you’ll find within the ‘Your policies’ section. Select the change you’d like to make and click confirm. You can then give us your new information and get a new quote.

              Log in

              Get more information

              Got a question?

              We’ve answered some of the most common car insurance questions in our FAQs.
               

              All things cars and driving

              We’ve also put together some guides on everything from your no claims discount and driving in winter to car maintenance tips and breakdown basics.

              More information

                Frequently asked questions

                Take a look at the answers to our most commonly asked car insurance questions.

                • Find out more

                Car insurance glossary

                Our glossary terms and related jargon will help you make sense of the language we (and other car insurers) use.

                • Find out more

                Customer support

                Our customer support section has everything you need to manage your car insurance policy in one place.

                • Find out more

                Useful contact numbers

                Get in touch

                  table

                  Customer queries

                  0345 266 1670

                  Car insurance claims
                  Lines are open 24 hours a day, 7 days a week.

                  0344 600 9021

                  RAC Breakdown Cover assistance
                  Lines are open 24 hours a day, 7 days a week. Calls are charged at local rates from landlines and mobile. Calls may be monitored and recorded.

                  0330 159 8485

                  Windscreen Cover claims (Comprehensive)

                  0344 600 9021

                  Windscreen Cover claims (Third Party, Fire and Theft)

                  0344 600 9021

                  Guaranteed Courtesy Car claims
                  Lines are open 24 hours a day, 7 days a week.

                  0344 600 9021

                  Key Cover claims

                  01737 334 254

                  Motor Legal Protection - Uninsured loss recovery and personal injury

                  0344 600 9022

                  Motor Legal Protection - Motor Legal Advice, Contract Dispute or Vehicle Cloning

                  0333 005 0349 and quote AUXSAINMLP16

                  Lines are open Monday to Friday 9am – 7pm, Saturdays 9am – 5pm and closed Sundays (or, as stated above).

                  Telephone calls to numbers starting 03 are charged at local rates from landlines and mobiles.

                  All calls may be recorded for security purposes and monitored for quality control procedures.