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Sainsbury Car Insurance Review

Review Sainsbury Car Insurance

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Sainsbury’s Car Insurance Review


Review Sainsbury Car Insurance

Sainsbury’s car insurance is largely well received by consumers due to it’s customer service and solid offerings in regards to it’s coverage. Reviews have typically remained high on Trustpilot over the years with an average rating of 4 stars. The main criticism or complaints for Sainsbury’s car insurance were issues around the time it took for claims to be resolved and a perceived lack of customer support. However it is important to note that many reviewers have also praised Sainsbury’s customer service as exemplary.

Who are Sainsbury’s?

Sainsbury’s is widely known throughout the UK as a supermarket that offers high-quality food and produce at competitive prices. However some may be unaware that this large UK retailer offers a variety of financial services such as car insurance, travel insurance and pet insurance.

How does Sainsbury car insurance work?

When you take out a policy with Sainsbury’s you agree to pay a monthly or annual premium for your cars coverage. The amount you pay for your Sainsbury’s car insurance will depend on a variety of factors such as your age, previous claims and the type of car you drive.

Who underwrites Sainsbury’s car insurance?

Sainsbury’s has a number of insurers on it’s panel:

  • Action 365 Ltd t/a Pukka Services
  • Ageas Insurance Ltd
  • AXA Insurance UK plc
  • Covea Insurance plc
  • ERS
  • Highway Insurance Company Limited
  • Liverpool Victoria Insurance Company Limited
  • Premier Underwriting Limited
  • Sabre Insurance Company Limited
  • Somerset Bridge Limite
  • West Bay Insurance plc
  • Zurich Insurance plc
What time does Sainsburys car insurance close?

Sainsbury’s offer a phone line service for customer queries and claims assistance, 9am to 5.30pm Monday to Friday. Telephone calls to numbers starting 03 will be charged at local rates from landlines and mobiles. Customer support lines are favoured by many consumers in an age where many insurers are moving to fully automated assistance. This has been positively received by many policy seekers and is a reason why many consumers rate Sainsbury highly for customer service.

What car insurance coverage does Sainsbury’s offer?

Sainsbury’s offer comprehensive and third party, fire and theft policies to it’s customers.

Sainsbury’s Standard Comprehensive Sainsbury’s Standard Third Party,Fire and Theft
Loss or damage to your car (except fire and theft)Loss or damage to your car (by fire and theft)
Loss or damage to your car (by fire and theft)No claims discount and named driver no claims discount
Damage to your windscreenLiability to other people
A courtesy car – three-door hatchbackDriving in Europe
No claims discount and named driver no claims discountReplacement child car seat
Driving other carsNew car cover
Liability to other peopleN/A
Driving in EuropeN/A
Replacement child car seatN/A
New car coverN/A
Medical expensesN/A
Personal belongings including your Sainsbury’s shoppingN/A
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*Each of these coverage options can be upgraded to Sainsbury’s car insurance ‘Plus’ which offers even more coverage

What are the add-ons offered by Sainsbury car insurance?

Sainsbury’s panel of providers offer a wide variety of add-on options which have been well received for their breadth of coverage. Additional add-ons to Sainsbury’s standard and ‘Plus’ levels of coverage include the following:

  • Breakdown cover
  • Guaranteed Courtesy Car – upgrade your courtesy car to a car the same size or bigger than yours
  • No Claims Discount Protection
  • Key Cover
  • Windscreen Cover (Included with Standard comprehensive policy)
  • Excess Cover
  • Motor Legal Protection
The pros and cons of Sainsbury’s car insurance

There are a few things that make Sainsbury’s car insurance stand out in terms of pros and cons when compared with other insurers. The pros of going through Sainsbury car insurance include the solid offering for add ons as well as the ability to get guaranteed courtesy car coverage whilst your own vehicle is being repaired. However the con’s are that these add-ons will naturally need to be paid for and so can cost you more on your premium. Another con is a £50 cancellation fee if you decide to cancel your policy after the initial 14 day cooling off period, as well a £25 charge for adding additional drivers to your policy or changing your address over the phone. These changes are free however when made through the customer portal online.

How much does Sainsbury’s car insurance cost?

This is a surprisingly difficult question to answer as it really depends on the person wanting to be insured and the factors that make up their risk profile. As a result, Sainsbury’s panel of insurers may be able to offer a cheaper quote for one person whilst being a more expensive option for another. For example Nimblefins.co.uk found that for a 30 year old driver of a ford fiesta was offered insurance that was cheaper than other supermarkets offering car insurance polices but more expensive than many comparison sites.

The level of coverage you decide to take out will also directly impact the price of a Sainsbury’s car insurance policy with add ons and comprehensive coverage costing more than a standard third party,fire&theft policy.

Overall review

Sainsbury’s car insurance has received positive reviews for its customer service as well as it’s excellent add-on options. Whilst some consumers have complained about the lack of support when processing a claim or the time taken to resolve their claim, the average rating for Sainsbury’s car insurance on Trustpilot is 4 stars. The main praise given toward Sainsbury’s car insurance is its customer service. Many reviewers stated their satisfaction at the helpfulness of the staff they communicated with on the phone, which should be taken into account when considering any negative reviews around the customer service offered by Sainsbury’s.

Comparing car insurance

If you are keen on comparing Sainsbury car insurance policies it helps to have other car insurers to compare them against. As previously mentioned, not all insurers are equal in their offerings and prices can vary from person to person. Some insurers may offer cheaper quotes for younger drivers whilst the same insurer may be the more expensive option for an expat driver for example.

By comparing multiple car insurance providers you can significantly increase your chances of finding the best car insurance for you – That’s where we can help.

At Quotezone we have compiled over 100 UK based insurance providers so you can quickly compare multiple quotes side by side, making it easier than ever for you to find the cheapest car insurance options for you.

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.