Sainsbury's

Sainsbury's Bank was established in 1997 and offer a range of financial services products, from savings accounts to credit cards to insurance. Originally a joint venture between Bank of Scotland and the supermarket from which it takes its name, Sainsbury's Bank is now fully owned by Sainsbury's. Its car and home insurance are provided by U K Insurance, while its life insurance is underwritten by Legal & General.

Sainsbury's
Gold ribbon: first place

Car insurance

Ranked 13th of 50 providers reviewed.

Customer happiness 64%
Customer trust 48%
Complaints performance 75%
Transparency rating 45%
Fairer Finance score
Reviewed Autumn 2018
58%

Credit cards

Ranked 18th of 34 providers reviewed.

Customer happiness 62%
Customer trust 49%
Complaints performance 77%
Transparency rating 40%
Fairer Finance score
Reviewed Autumn 2018
57%
Gold ribbon: first place

Home insurance

Ranked 19th of 48 providers reviewed.

Customer happiness 60%
Customer trust 50%
Complaints performance 75%
Transparency rating 41%
Fairer Finance score
Reviewed Autumn 2018
57%

Life insurance

Ranked 11th of 21 providers reviewed.

Claims score 98.27%
Complaints performance 87%
Transparency rating 58%
Fairer Finance score
Reviewed Autumn 2018
76%

Personal loans

Ranked 15th of 24 providers reviewed.

Customer happiness 58%
Customer trust 42%
Complaints performance 77%
Transparency rating 44%
Fairer Finance score
Reviewed Autumn 2018
55%

Pet insurance

Ranked 18th of 26 providers reviewed.

Customer happiness 52%
Customer trust 47%
Complaints performance 75%
Transparency rating 44%
Fairer Finance score
Reviewed Autumn 2018
55%

Savings accounts

Ranked 25th of 39 providers reviewed.

Customer happiness 48%
Customer trust 50%
Complaints performance 77%
Transparency rating 60%
Fairer Finance score
Reviewed Autumn 2018
59%
Gold ribbon: first place

Travel insurance

Ranked 8th of 53 providers reviewed.

Customer happiness 63%
Customer trust 52%
Complaints performance 75%
Transparency rating 39%
Fairer Finance score
Reviewed Autumn 2018
58%

Car insurance

Sainsbury's

Car Insurance

5 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £10
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 5 years

Home insurance

Sainsbury's

Home Insurance

4 stars
Escape of water excess i £350
Matching sets i 50%
Theft from outbuildings i £3,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £750
Money in the home i £500
New for old i

Sainsbury's

Home Insurance Plus

4 stars
Escape of water excess i £350
Matching sets i 50%
Theft from outbuildings i £3,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £750
Money in the home i £500
New for old i

Buildings insurance

Sainsbury's

Home Insurance

5 stars
Trace & access i £10,000
Matching sets i 50%
Cover for keys/locks if lost i £750
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys/locks if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Sainsbury's

Home Insurance Plus

4 stars
Trace & access i £10,000
Matching sets i 50%
Cover for keys/locks if lost i £750
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys/locks if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Sainsbury's

Home Insurance

5 stars
Theft from outbuildings i £3,000
Matching sets i 50%
Cover for keys/locks if lost i £750
Cycles included whilst in the home i £750
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks if stolen i £750
24hr helpline i

Sainsbury's

Home Insurance Plus

5 stars
Theft from outbuildings i £3,000
Matching sets i 50%
Cover for keys/locks if lost i £750
Cycles included whilst in the home i £750
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks if stolen i £750
24hr helpline i

Life insurance

Over 50s life insurance

Sainsbury's

Over 50s Cover Fixed Plan

3 stars
Cover for accidental death in waiting period i Full payout
Waiting period (months) i 12
Premium ending age i 90
Can you reduce monthly payments? i Yes (after one year)
Missed payments allowance (days) i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option Not offered

Sainsbury's

Over 50s Cover Increasing Plan

3 stars
Cover for accidental death in waiting period i Full payout
Waiting period (months) i 12
Premium ending age i 90
Can you reduce monthly payments? i Yes (after one year)
Missed payments allowance (days) i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option Not offered

Pet insurance

Cat insurance

Sainsbury's

Premier

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £7,500
Dental cover (if due to an accident) i £7,500
Cruciate ligament damage i £7,500
CT scans i £7,500
MRI scans i £7,500
Prescription diet (treatment of bladder stones only) i £7,500
Euthanasia i Optional
Cremation i Optional
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Sainsbury's

Premier Plus

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £13,000
Dental cover (if due to an accident) i £13,000
Cruciate ligament damage i £13,000
CT scans i £13,000
MRI scans i £13,000
Prescription diet (treatment of bladder stones only) i £13,000
Euthanasia i Optional
Cremation i Optional
Complementary treatment i £1,500
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Sainsbury's

Standard

2 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia i Optional
Cremation i Optional
Complementary treatment i £500
Age compulsory excess changes i 9 years
Cancellation fee i £0
Amendment fee i £0
Loss of pet total i

Dog insurance

Sainsbury's

Standard

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia i Optional
Cremation i Optional
Complementary treatment i £500
Age compulsory excess changes i 9 years
Amendment fee i £0

Sainsbury's

Premier

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £7,500
Dental cover (if due to an accident) i £7,500
Cruciate ligament damage i £7,500
CT scans i £7,500
MRI scans i £7,500
Prescription diet (treatment of bladder stones only) i £7,500
Euthanasia i Optional
Cremation i Optional
Complementary treatment i £1,000
Age compulsory excess changes i 9 years
Amendment fee i £0

Sainsbury's

Premier Plus

3 stars
If renewed, are existing conditions covered? i
Vet fees (per condition) i £13,000
Dental cover (if due to an accident) i £13,000
Cruciate ligament damage i £13,000
CT scans i £13,000
MRI scans i £13,000
Prescription diet (treatment of bladder stones only) i £13,000
Euthanasia i Optional
Cremation i Optional
Complementary treatment i £1,500
Age compulsory excess changes i 9 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

5 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 62 days
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £600

Sainsbury's

Platinum

5 stars
Medical excess i £0
Cancelling before travel i £7,500
Personal possessions & baggage - damaged, lost or stolen i £3,000
Max trip duration i 92 days
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £7,500
Abandoning your trip i £7,500
Lost or stolen cash i £500
Combined passport & travel i £750

Sainsbury's

Premier (Comparison Site)

5 stars
Medical excess i £70
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 45 days
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £300

Sainsbury's

Silver

4 stars
Medical excess i £100
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £1,250
Max trip duration i 62 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £200
Combined passport & travel i £100

Sainsbury's

Standard (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 32 days
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £250
Combined passport & travel i £250

Sainsbury's

Essential (Comparison Site)

3 stars
Medical excess i £150
Cancelling before travel i £1,500
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 22 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,500
Abandoning your trip i £1,500
Lost or stolen cash i £200
Combined passport & travel i £250

Single trip insurance

Sainsbury's

Premier (Comparison Site)

5 stars
Medical excess i £70
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £300
5 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £600

Sainsbury's

Platinum

5 stars
Medical excess i £0
Cancelling before travel i £7,500
Personal possessions and baggage - damaged, lost or stolen i £3,000
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £7,500
Missed departure i £1,250
Abandoning your trip i £7,500
Lost or stolen cash i £500
Combined passport & travel i £750

Sainsbury's

Silver

4 stars
Medical excess i £100
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £1,250
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £3,000
Missed departure i £300
Abandoning your trip i £3,000
Lost or stolen cash i £200
Combined passport & travel i £100

Sainsbury's

Standard (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £3,000
Missed departure i £500
Abandoning your trip i £3,000
Lost or stolen cash i £250
Combined passport & travel i £250

Sainsbury's

Essential (Comparison Site)

3 stars
Medical excess i £150
Cancelling before travel i £1,500
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,500
Missed departure i £0
Abandoning your trip i £1,500
Lost or stolen cash i £200
Combined passport & travel i £250

Travel insurance add-ons

Cruise add-on

Sainsbury's

Standard (Comparison Site)

1 stars
Missed port departure i
Re-joining a cruise i
Cabin confinement i £375
Missed port departure excess i
Timetable/itinerary change i £750
Unused excursions i £500

Sainsbury's

Premier (Comparison Site)

1 stars
Missed port departure i
Re-joining a cruise i
Cabin confinement i £500
Missed port departure excess i
Timetable/itinerary change i £1,000
Unused excursions i £750

Sainsbury's

Silver

1 stars
Missed port departure i £0
Re-joining a cruise i £0
Cabin confinement i £250
Missed port departure excess i
Timetable/itinerary change i £500
Unused excursions i £300
1 stars
Missed port departure i £0
Re-joining a cruise i £0
Cabin confinement i £375
Missed port departure excess i
Timetable/itinerary change i £750
Unused excursions i £500

Sainsbury's

Platinum

1 stars
Missed port departure i £0
Re-joining a cruise i £0
Cabin confinement i £500
Missed port departure excess i
Timetable/itinerary change i £1,000
Unused excursions i £750

Sainsbury's

Essential (Comparison Site)

1 stars
Missed port departure i
Re-joining a cruise i
Cabin confinement i £250
Missed port departure excess i
Timetable/itinerary change i £500
Unused excursions i £300

Winter sports add-on

Sainsbury's

Premier (Comparison Site)

4 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £70
Ski equipment hired i £0
Single item limit for hired equipment i £350
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £500
3 stars
Ski equipment owned i £750
Single item limit for owned equipment i £350
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £350
Single item limit for hired equipment i £350
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

Sainsbury's

Platinum

3 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £400
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £0
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £500
Piste closure i £400
Unused ski pass due to illness or injury i £400

Sainsbury's

Silver

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £300
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £100
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £250
Piste closure i £400
Unused ski pass due to illness or injury i £400

Sainsbury's

Essential (Comparison Site)

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £150
Ski equipment owned excess i £150
Ski equipment hired i £0
Single item limit for hired equipment i £250
Avalanche closure i
Piste closure i £250
Unused ski pass due to illness or injury i £250