By giving us your Nectar card number it ensures you are given all the rewards you're entitled to. Find out more about our rewards and offers. Additionally, information from your Nectar account may be passed to our insurance providers to assess and provide the lowest possible premium for you.

No, there is no legal requirement to take out home insurance, but taking out buildings insurance is usually a condition of getting a mortgage. Even if you own your home outright, it may still be worthwhile taking out buildings and contents insurance.

Yes, you can choose a date within 30 days of your quote for your cover to start, including the day you get it.

To get a home insurance quote, you’ll need to provide:
• Your personal information, including details of any claims you have made on home insurance.
• Property details, including the year, property type, number of bedrooms and the type of locks you have.
• The value of your contents, including the individual cost of any valuables such as bicycles, electronics and jewellery.

Contents insurance can be worthwhile as it protects your possessions from damage, loss or theft. If you think about how much you’ve spent on all your furniture, appliances, tech, clothing and jewellery it will add up to a lot of money. Contents insurance helps protect you financially if anything happens to it. 

It can be worth paying for home insurance. This financially protects your home and its contents against theft, loss or damage, and can help cover the cost to repair or rebuild.

The cost of home insurance will depend on a range of factors, including your home and its contents, your location, your claims history, and the policy you’re taking out.

No, it’s not compulsory to have contents insurance. If you have a mortgage then buildings insurance may be a requirement, but contents insurance is up to you. Many homeowners take out contents insurance to help protect their possessions from damage, theft or loss.

We've put together a handy guide on how to value your home and contents to help give you an idea of the level of insurance you need.

To work out how much home insurance you need, consider how much your home would cost to rebuild, rather than how much you paid for it. You can calculate your buildings and contents insurance by hiring a residential property surveyor or going from room to room and noting down everything worth insuring.

As a responsible lender we are committed to ensuring that our customers can afford the products that we offer. To do this we complete an affordability assessment, which includes a credit search that will leave a record on your credit file.

When we provide a quote, we do a 'soft search' of your credit report. This gives us a snapshot of your key information without affecting your credit score or leaving a credit footprint for other lenders to see.

If you decide to purchase your insurance, and apply for credit through paying by our insurance premium finance instalment facilities, we will give details of your account and how you conduct it to our credit reference agency. This will leave a record on your credit file converting the ‘soft search’ in to what is known as a ‘hard search’, meaning it will be visible to other lenders and could affect you if you apply for credit in future.

If you borrow and do not repay in full and on time, we may cancel your insurance and your insurance finance. We will inform our credit reference agency who will record the cancellation of the credit agreement.

We use a carefully selected panel of underwriters who use real-time pricing, this means that the cost of your policy could change at any time prior to purchase.

Home Emergency Cover is available to add to your Home Insurance for an extra cost. Whether you need Home Emergency Cover or not depends on your personal circumstances, but here's just some of the things it covers you for:
• plumbing or drainage
• failed electrics
• home security problems, like a smashed window or a broken lock
• pest infestations – like hornets, rats or mice
• your gas and electricity
• boiler and heating system breakdowns.
Find out more about Home Emergency Cover.

No, sorry. We only offer Home Emergency cover as an add on to a buildings or contents policy.

Whether you need accidental damage cover or not depends on your personal circumstances. We offer some accidental damage cover as standard under our main Buildings and Contents policies, but for extra protection, we offer Buildings Accidental Damage Cover and Contents Accidental Damage Cover which you can add to your policy for an additional cost.

When you pay for your home insurance online, you may be taken to the secure Verified by Visa or MasterCard SecureCode website for credit card verification. You will be returned to your secure checkout to complete your purchase when this process is complete.

Yes, you'll need to pay the compulsory excess which is listed in your policy documents. If you've chosen to add a voluntary excess, you'll need to pay that too.

An excess is the amount you have to pay towards a claim on your home insurance. There are two types – compulsory and voluntary.

Your insurer sets the compulsory excess: it varies depending on the type of policy you have.

The voluntary excess is controlled by you, so you can set the amount you pay on top of your compulsory excess when you claim.

So, if your compulsory excess is £100 and your voluntary excess is £50, you'll have to pay £150 to your insurer towards the cost of your claim.

If you choose to pay a higher voluntary excess, you'll pay less for your insurance. Just make sure you don't set it so high you can't afford to make a claim.

You can change your payment details by logging onto your online portal or contacting us, we're open Monday – Friday 9am to 5.30pm, closed Saturday and Sunday.

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.

You can pay in one go with a credit or debit card, or pay a deposit by credit or debit card and spread the rest out with a monthly direct debit. We accept Visa Debit, Visa Credit, MasterCard Credit or MasterCard Debit card.

A home insurance policy excess is the amount that you’re required to pay towards the cost of a claim. The amount is usually agreed prior, and your home insurer will contribute the rest up to the limit of the cover. Taking out voluntary excess can reduce the cost of your premiums.

We do charge for some things - like cancelling or adjusting your policy. Our fees are shown in your 'About our insurance services' document.

When you get a quote, you'll see what it would cost to pay for your insurance in one go, and, subject to status and eligibility, the cost for paying monthly.

Got a question?

We've answered some of the most common home insurance questions - see our frequently asked questions.

Wall-to-wall guides

We've also put together some guides on everything from security tips for students to protecting your home from storm damage.

Read our guides for some handy hints.

Calls are charged at local rates from landlines and mobiles. Calls may be monitored and recorded.

Useful numbers:
Customer queries 0345 266 1660



Home Insurance claims
If you're claiming on your main home insurance policy (and not one of our optional extras) you need to call your insurer. You can find the name of your insurer on your policy documentation.
Here's a list of the insurers we use and their claims number:

Insurer Phone number
Axa 0333 241 3197
Ageas 0345 166 6381
Covea 0330 024 2255
Geo Underwriting 0345 0744 760
Highway Insurance Company Ltd 0800 032 9699
Integra 0300 045 2223
Legal and General 0370 094 8026
Lloyds Bank 0344 856 2340
Markerstudy 0333 0096 894
Pen Underwriting 0330 018 2297
Prestige 0800 028 3966
RSA 0800 316 8273
Zurich 0800 169 1644


Claiming on one of our optional extras Phone number
Key Cover 01737 334 254

Family Legal Protection 0333 234 2131 (if your policy has an inception or renewal date before 1st January 2019)
0330 159 8685 (if your policy has an inception or renewal date after 1st January 2019)
Home Emergency Cover 01737 334 253


Lines are open Monday to Friday 9am to 5.30pm, closed Saturdays and Sundays (or, as stated above).
03 number calls are charged at local rates from landlines and mobiles. 0800 number calls are free from landlines and mobiles. All calls may be recorded for security purposes and monitored for quality control procedures.

If you have insurance and you know the name of the company you bought the policy from but cannot find the policy document, then you can contact your insurer who should be able to trace your policy using your personal information and your postcode.

You can view our current general home insurance policy documents and optional extras before you apply for a policy.

From 1 November 2025, Sainsbury’s Bank will no longer be issuing renewal quotes in respect of existing policies. However, we will write to you, well in advance of your renewal date, with options available to you regarding your cover.

If you are offered a replacement policy from LV=, this will be a new policy and you will need to contact LV= once you have received your quote to discuss payment options and accept the quote.

If you have any questions you can call us on 0345 266 1670**. We're open Monday - Friday 9am to 5.30pm, closed Saturday and Sunday.

You can upload your proof of no claims document to our online portal:
• Log in to the portal
• Within the 'Your policies' section click on 'Upload your documents'.
• The file you upload will need to be either JPEG, JPG, JPE, GIF, PDF or PNG.
• Select 'add files' and 'Start upload'.

Just give us a call on 0345 266 1603, we're open Monday – Friday 9am to 5.30pm, closed Saturday and Sunday.

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 your insurer appoints an approved supplier to arrange a repair, all permanent repairs will be guaranteed for a minimum of 12 months from the date of completion.

We'll support you through it
Give us a call and we'll guide you through the claims process. We'll make sure you and your family are safe, check that you're covered, and let you know what will happen next so you can get back to normal as soon as possible.
Who to call
If you're claiming on your main contents insurance policy (and not one of our optional extras) you need to call your insurer. You can find the name of your insurer on your policy documentation.
Here's a list of the insurers we use and their claims number:
Insurer Phone number
Ageas Insurance LTD 0345 166 6381
Axa Insurance PLC 0333 241 3197
Covea Insurance PLC 0330 024 2255
Geo Underwriting PLC 0345 0744 760
Highway Insurance Company Ltd 0330 678 5009
International Insurance Company of Hannover SE UK branch 0300 045 2223
Lloyds Bank General Insurance LTD 0344 856 2340
Prestige Underwriting Services LTD 0800 028 3966
Royal and Sun Alliance Insurance PLC 0800 316 8273
Zurich Insurance PLC 0800 169 1644

Claiming on one of our optional extras
Key Cover 0344 856 2270 (if your policy was purchased on or after 21st August 2024)

01737 334 253 (if your policy was purchased before 20th August 2024)
Family Legal Protection 0333 234 2131 (if your policy has an inception or renewal date before 1 January 2019)

0330 159 8685 (if your policy has an inception or renewal date after 1 January 2019)
Home Emergency Cover 0345 307 4898 (if your policy has an inception or renewal date on or after 21st August 2024)

01737 334 253 (if your policy has an inception or renewal date before 21st August 2024)

03 number calls are charged at local rates from landlines and mobiles. 0800 number calls are free from landlines and mobiles. Calls may be monitored and recorded.
How to claim
Before you call us:
• Call the police and get a crime reference number or lost property number if you're claiming for theft, riot, malicious damage or vandalism, or accidental loss outside your home.
• Make sure everything is safe to avoid more damage or theft – but please speak to us before you make any repairs.
• Check your home insurance to make sure you're covered before you call.
Then:
• 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 – including a list of everything that's lost or damaged. There's a few tips below on this for you too.
• Keep the damaged items as we may need to see them – except freezer food, a list is fine for that.
• We'll work out and arrange the next steps – for example we'll organise accommodation, a repair or a replacement, or reimburse you.
• 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 or lost property number if you have one
• The date the damage, theft or loss happened
• We may ask you for more information, like proof of ownership, valuations and estimates – we can accept receipts and invoices, credit agreements, pre-loss valuations and sometimes just a photo.

Take a look at our claims support page for the numbers you need to call. If your house has been burgled or damaged maliciously, make sure you call the police first and get a crime reference number.

If you're not sure, you can take a look at the policy booklet or give us a call. You can find the right phone number on our customer support page.

If your home is uninhabitable, whilst it is being repaired following a claim, we will cover you for the following:
• If your claim is on your buildings insurance, we will pay the cost of similar accommodation up to a maximum of £50,000. We will also look after your pets if they need to go into kennels, up to a maximum of £9,000 in kennel fees.
• If your claim is on your contents insurance we will pay the cost of similar accommodation up to a maximum of £15,000.

When you call us, we'll take all the details we need from you to look in to your claim. Sometimes we might need to send a specialist claims assessor to your house so that we can see the damage/extent of the theft for ourselves and we might ask you for proof of purchase. Once we have looked at your claim, we will either accept or decline it. If we accept it, we will pay you for the cost of any items that were covered under your policy. If we decline it, we'll let you know the reasons for it.

You can insure your home with us if you use your home for clerical business purposes, and we'll cover your business equipment for up to £5,000. We can’t insure your home if it is a place of business though, so for example if people come and visit in relation to your business or you sell things or do business in your home. We also don't cover any business stock or money in your home.

Under our contents insurance, we provide Occupiers' and Public Liability insurance to the value of £2,000,000 and Employers' Liability insurance to the value of £10,000,000 if any of your domestic staff are injured or die and you are legally liable.

Under our buildings insurance, we provide Property Owner's Liability to the value of £2,000,000.

There are exclusions though, take a look at our policy documents for more information on what is and isn't covered.

You can also choose to add Family Legal Protection, for an additional cost, to your Home Insurance. Learn more about Family Legal Protection.

You only need to specify valuable items over £2,000. Valuable items are: jewellery (including costume jewellery), articles of or containing gold, silver or any other precious metals, cameras (including video cameras, camcorders and digital cameras), binoculars, watches, furs, paintings and other works of art and collections of stamps, coins, medals and clocks. So, you don't need to specify every item over £2,000.

Yes, you are covered for storm damage, there is some damage we don't include in this though:
• to hedges, fences and gates
• by subsidence, heave or landslip
• to radio, television, or satellite dishes
• by frost

Your mobile and gadgets are covered for theft from your home under your main contents insurance. In addition your tablet is covered for accidental damage under your contents insurance. You can add accidental damage cover for your phone, with our optional enhanced accidental damage cover, for an additional cost. You can also cover them when you’re away from home by adding our optional extra Personal Possessions Cover for an additional cost.

We cover unspecified items up to £2,000. If you would like us to cover any specified valuables above this value, then you need to tell us on your quote. If you need cover for something after your policy has started then get in touch and let us know. Please see the policy documents for more information about cover for valuables.

Contents insurance covers the things you would take with you if you moved - furniture, cookware, ornaments etc.

Check out our Guide to home insurance if you're after a bit more detail.

Yes, personal computer equipment is covered for accidental damage under our standard contents insurance. For protection away from home you can add Personal Possessions Cover, for an extra cost.

Yes. Our Contents Cover includes student cover as standard. It will insure student belongings up to £5,000 when the student is in full time education in the UK and living and studying away from home.

Find out more about our student cover.

Contents cover protects the belongings you have in and around your home – the things you would take with you if you moved home – up to a maximum of £75,000. If you are an existing customer your contents cover limit will be detailed on your Policy Schedule. For details of what's included, have a look at our contents homepage or browse the policy documents.

We've put together a guide to protecting against storm damage so you can see what measures you can take to protect your home against adverse weather.

It's a good idea to check what's covered and how you're protected if you're not sure. That way, if your home gets damaged or burgled, you can see if we can help before you make a claim.
Here are your policy documents:
If you purchased Home insurance with a start date or renewal date on or after 1st May 2025:
• Your Sainsbury's Bank Home Insurance policy booklet (PDF, 632 KB) – This is what you’ll need to refer to for claims to your buildings and contents insurance, excluding all of our optional extras
• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extras (PDF, 659 KB)
• Your Sainsbury’s Bank Home Insurance booklet for Excess Cover (PDF, 204 KB)
If you purchased Home insurance with a start date or renewal date on or after 1st February 2025:
• Your Sainsbury's Bank Home Insurance policy booklet (PDF, 668 KB)
• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extras (PDF, 1,503 KB)
• Your Sainsbury’s Bank Home Insurance booklet for Excess Cover (PDF, 182 KB)
If you purchased any other optional extras with a start date or renewal date on or after 22nd August 2024:
• Your Sainsbury’s Bank Home Insurance policy booklet for our optional extra (PDF, 1,504 KB)
• Your Sainsbury's Bank Home Insurance policy booklet (PDF, 511 KB) – for all claims excluding one of our optional extras
• Your Sainsbury’s Bank Home Insurance booklet for Excess Cover (PDF, 182 KB)
Optional extras include:
• Key Cover
• Family Legal Protection
• Home Emergency

Yes. If your parents have Sainsbury’s Bank Home Contents Insurance, your precious items are protected while you’re living at your term time accommodation. You just need to double check that your permanent address is still set to your UK family home address – not your term time one.

It’s a type of legal expenses insurance that can help cover your costs if you have to go to court for a private legal dispute. For example, personal injury or faulty goods or services you paid for. You can add this on to your Sainsbury's Home insurance policy as an optional extra, find out more here.

We offer one level of insurance for buildings, you can then add our optional extras, for an additional cost, to build on your insurance policy so that it's right for you. See what cover is right for you.

No, we can only insure your primary residence.

Yes, it would be covered under our contents insurance for some types of damage or theft inside your home. You can also add Personal Possessions Cover, for an extra cost, and then it will be covered away from the home too. If it’s worth more than £2,000 then you should tell us this when you take out your Personal Possessions Cover.

Please check the policy schedule and limits carefully to make sure this cover is sufficient for your instrument.

We offer one level of insurance for contents. You can then add our optional extras, for an additional cost, to build on your insurance policy so that it's right for you. See what cover is right for you.

Your insurer will pay up to £500 per incident for the theft of money and credit cards from you home under our contents insurance. If you add our Personal Possessions Cover, for an extra cost, you will get the same cover out of the home too - that includes temporarily taking them abroad with you.

Flood Re has been set up to help people who live in a flood risk area find affordable home insurance. Flood Re is funded by the tax payer and they reimburse insurers for the cost of claims related to Flooding. This means that if someone has claimed for flood damage they should still be able to get insurance with affordable premium and excess. Find out more at www.floodre.co.uk.

Yes, your contents insurance covers you for unspecified valuable items worth up to a maximum of £25,000 and for a single item up to £2,000, unless it is a specified item.

Specified items are things you've told us you own and want to insure under your contents insurance, so when you take out your policy, have a think about whether anything you own could be worth more than £2,000. Find out more about cover for your jewellery.

We offer one level of insurance for buildings and contents. You can then add our optional extras, for an additional cost, to build your insurance policy so it is right for you. See what cover is right for you.

Under our contents insurance, we provide occupiers' and public liability insurance to the value of £2,000,000 and we also include employers' liability insurance to the value of £10,000,000 if any of your domestic staff are injured or die and you are legally liable.

Under our buildings insurance, we provide property owners liability to the value of £2,000,000.

There are exclusions though, take a look at our policy documents for more information on what is and isn't covered.

You can also choose to add Family Legal Protection to your Home Insurance.

No, sorry - we only provide cover for a house that you live in.

While contents insurance for students is not a legal requirement, it is worth having. Protect your precious items from theft, loss or damage while you’re studying away from home for your peace of mind.

Buildings insurance covers most of the things you would leave behind if you moved house - so the walls, roof, and floors, garages, outbuildings, and fitted bathrooms and kitchens - but not the kitchen appliances like the dishwasher.

Check out our Guide to home insurance if you're after a bit more detail.

Buildings insurance covers most of the things you would leave behind if you moved house - so the walls, roof, and floors, garages, outbuildings, and fitted bathrooms and kitchens - but not the kitchen appliances like the dishwasher. Contents insurance covers the things you would take with you if you moved, such as the furniture, cookware, ornaments etc.

Check out our Guide to home insurance if you're after a bit more detail.

No, sorry - we only provide cover for a house that you live in.

There are some items that aren’t covered by home contents insurance. Most policies won’t cover contents that are damaged due to wear and tear, or items that come to the end of their useful life. If you have an expensive bicycle, you might also want to insure this separately so it’s protected when you’re out of the house.

Yes, home entertainment equipment is covered for accidental damage under our standard contents insurance.

Yes, just put your post code in when you get a quote and we'll give you our best price.

Yes, you are covered for flood damage, there is some damage we don't include in this though, such as:
• to hedges, fences and gates
• by subsidence, heave or landslip
• to radio, television, or satellite dishes
• by frost

Yes, your garage and outbuildings are covered as long as they form part of your property. So if you have a garage or lock-up that's not on the insured property, you would need to arrange separate cover for this.

Yes, bicycles on your property are covered under our contents insurance. If you want protection while you're out on the open road, you can add Personal Possessions Cover to your policy for an extra cost. This will then cover bikes away from home.

You can add our Personal Possessions Cover, for an extra cost, and your things will be covered when you take them out with you. 'Personal possessions' means anything you would usually wear use or carry outside of your house, like your mobile phone, handheld games console, credit cards and money and jewellery.

With our contents cover, as well as the growing trees, plants and shrubs in your garden, we include the loss or damage of:
• Garden furniture
• BBQs
• Lawnmowers
• Children’s toys
The insurer will pay up to £2,000 for a single claim.
With our buildings insurance, you are covered if your garden is damaged by emergency services gaining access to your home or preventing damage to your home. The insurer will pay up to £500 for each individual item affected.

If you've forgotten your log in details for the portal, you can reset your details on the portal log in page.

Log in or register for our Online Portal so you can manage your insurance online.
The online portal allows you to:
• View your home insurance cover
• View policy documentation
• Change your cover
• Change your address
• Cancel your policy
Log in
Register

You can log onto your online portal for most things or contact us, we're open Monday – Friday 9am to 5.30pm, closed Saturday and Sunday.

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.

Some contents insurance policies will include removals insurance, while others will require you to pay an additional premium. It’s important to check your existing policy before you get started.

At Sainsbury’s Bank, removals insurance is included in our contents insurance policy as standard, giving you extra protection while you’re on the move.

If you're registered for our online portal, you can make all sorts of changes to your policy through your account, like adding cover, updating your details, cancelling your policy, or telling us you've fitted a burglar alarm.

Log in
Register

Yes, it’s advisable to use a professional removals company when moving home. A reputable removals firm will have the proper equipment to move all your belongings safely, so there is less risk of damage. Plus, DIY moves are typically not covered by removals insurance, so it’s better to be safe than sorry.

Storage insurance is a specialist policy that can protect your possessions against loss or damage while they are stored away from your property. This may be a viable alternative to removals insurance if you plan to store your valuables away for a while. At Sainsbury’s Bank, we provide 72 hours of cover for your storage.

Give us a call to tell us about it and we can let you know if it impacts your Home Insurance. Call us on 0345 266 1603, we're open Monday – Friday 9am to 5.30pm, closed Saturday and Sunday.

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 mobiles.

That is entirely up to each individual. Removals insurance could be an essential part of the moving process as it protects your valuables against loss or damage while being transported from A to B. 

Some policies may require you to pay an additional premium, but as you’re trusting someone else with your belongings, removal insurance may be worth the extra cost.

We have a carefully selected panel of insurers who underwrite our home insurance, which one underwrites your policy depends on who gives you the best price based on your circumstances. We will tell you who your insurer is before you buy your policy.
Our optional extra products, which you can add to your policy for an additional cost, are underwritten by the following insurers:
• Home Emergency Cover – Axa Assistance
• Key Cover – Axa Assistance
• Family Legal Protection – RAC

We’re sorry if you’re unhappy – please get in touch with us as soon as you can so we can put this right for you. You can either contact us, email, or write to:

Freepost Sainsbury’s Bank Insurance
PO Box 4996
Worthing
BN11 9AT

When using our email address, please remember to include your full name, address, date of birth and policy number so we can manage your complaint without any delay.

Please do not include any other personal information.

This email address should be used for home insurance complaints only. To keep your information safe, please don’t send us any other personal information. When using our email address please note this is just for home insurance complaints, so please refer to our FAQs if you have other queries. To help us deal with your complaint quickly, please provide us with a clear explanation of what has happened and what we can do to help you.