Sainsbury's

Sainsbury's Bank was the UK's first supermarket bank when it was established in 1997.  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. In September 2016, Sainsbury's completed its acquisition of Home Retail Group, the owner of Argos and Habitat.

They offer a range of financial services products which includes credit cards, savings and loans, travel money and car, home, pet, travel and life insurance.

Sainsbury's is registered in Holborn, London.


Sainsbury's
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Gold ribbon: first place

Car insurance

Ranked 20th of 53 providers reviewed.

Customer happiness 68.75%
Customer trust 61.09%
Complaints performance 69.75%
Transparency rating 66.43%
Fairer Finance score
Reviewed Spring 2022
67%

Credit cards

Ranked 18th of 31 providers reviewed.

Customer happiness 62.67%
Customer trust 55.97%
Complaints performance 72.06%
Transparency rating 41.13%
Fairer Finance score
Reviewed Spring 2022
58%

Home insurance (building and contents)

Ranked 36th of 49 providers reviewed.

Customer happiness 61.03%
Customer trust 54.56%
Complaints performance 68.93%
Transparency rating 63.21%
Fairer Finance score
Reviewed Spring 2022
62%

Life insurance

Ranked 24th of 26 providers reviewed.

Claims score 68.00%
Complaints performance 84.85%
Transparency rating 51.36%
Fairer Finance score
Reviewed Spring 2022
68%
Gold ribbon: first place

Personal loans

Ranked 8th of 25 providers reviewed.

Customer happiness 61.38%
Customer trust 53.86%
Complaints performance 72.06%
Transparency rating 64.88%
Fairer Finance score
Reviewed Spring 2022
63%
Gold ribbon: first place

Pet insurance

Ranked 3rd of 28 providers reviewed.

Customer happiness 55.48%
Customer trust 57.02%
Complaints performance 85.02%
Transparency rating 76.12%
Fairer Finance score
Reviewed Spring 2022
68%

Savings accounts

Ranked 37th of 49 providers reviewed.

Customer happiness 45.52%
Customer trust 50.37%
Complaints performance 72.21%
Transparency rating 69.67%
Fairer Finance score
Reviewed Spring 2022
59%

Travel insurance

Ranked 34th of 39 providers reviewed.

Customer happiness 44.33%
Customer trust 36.26%
Complaints performance 53.71%
Transparency rating 48.41%
Fairer Finance score
Reviewed Spring 2022
46%

Car insurance

Sainsbury's

Car Insurance

4 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £10.00
Windscreen replacement excess i £75.00
Repairs guarantee (years) i 5 years
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Credit cards

0% balance transfer credit cards

Sainsbury's

22 Month Low Balance Transfer Fee Credit Card

4 stars
Duration of 0% balance transfer offer period i 22 or 14 months
Balance transfer fee during promotional period i 1% or 0%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1%
Representative balance transfer rate i 1.667%
Risk based? i

Sainsbury's

31 Month Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 31 or 23 months
Balance transfer fee during promotional period i 1.98% or 2.98%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.98%
Representative balance transfer rate i 1.667%
Risk based? i

Sainsbury's

29 Month Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 29 or 21 months
Balance transfer fee during promotional period i 1% or 2%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2%
Representative balance transfer rate i 1.667%
Risk based? i

Sainsbury's

Nectar Credit Card

3 stars
Duration of 0% balance transfer offer period i 17 or 14 or 12 months
Balance transfer fee during promotional period i 3%
Representative APR i 20.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3%
Representative balance transfer rate i 1.597%
Risk based? i

Sainsbury's

34 Month Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 34 or 26 months
Balance transfer fee during promotional period i 2.88% or 3.88%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.88%
Representative balance transfer rate i 1.667%
Risk based? i

Sainsbury's

Dual 24 Month Credit Card

2 stars
Duration of 0% balance transfer offer period i 24 or 16 months
Balance transfer fee during promotional period i 2.88%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3%
Representative balance transfer rate i 1.667%
Risk based? i

0% purchase credit cards

Sainsbury's

Nectar Credit Card

4 stars
Duration of purchases offer period i 17 or 14 or 12 months
Representative APR i 20.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.597%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Sainsbury's

Dual 24 Month Credit Card

4 stars
Duration of purchases offer period i 24 or 16 months
Representative APR i 21.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.667%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Sainsbury's

31 Month Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 21.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.667%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Sainsbury's

29 Month Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 21.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.667%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Sainsbury's

22 Month Low Balance Transfer Fee Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 21.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.667%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Sainsbury's

34 Month Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 21.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.667%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Cashback and reward credit cards

Sainsbury's

Nectar Credit Card

3 stars
Reward extras i
Representative APR i 20.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Sainsbury's

34 Month Balance Transfer Credit Card

3 stars
Reward extras i
Representative APR i 21.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Sainsbury's

31 Month Balance Transfer Credit Card

3 stars
Reward extras i
Representative APR i 21.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Sainsbury's

29 Month Balance Transfer Credit Card

3 stars
Reward extras i
Representative APR i 21.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Sainsbury's

22 Month Low Balance Transfer Fee Credit Card

3 stars
Reward extras i
Representative APR i 21.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Sainsbury's

Dual 24 Month Credit Card

3 stars
Reward extras i
Representative APR i 21.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Foreign use credit cards

Sainsbury's

Nectar Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 20.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.597%

Sainsbury's

21 Month No Balance Transfer Fee Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 20.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.598%

Sainsbury's

Dual 24 Month Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 21.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.667%

Sainsbury's

31 Month Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 21.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.667%

Sainsbury's

29 Month Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 21.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.667%

Sainsbury's

22 Month Low Balance Transfer Fee Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 21.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.667%

Sainsbury's

34 Month Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 21.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.667%

Money transfer credit cards

Sainsbury's

Dual 24 Month Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 21.9%
Risk based? i
Representative cash transaction interest rate i 1.941%

Sainsbury's

Nectar Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 20.9%
Risk based? i
Representative cash transaction interest rate i 1.941%

Sainsbury's

34 Month Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 21.9%
Risk based? i
Representative cash transaction interest rate i 1.941%

Sainsbury's

31 Month Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 21.9%
Risk based? i
Representative cash transaction interest rate i 1.941%

Sainsbury's

29 Month Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 21.9%
Risk based? i
Representative cash transaction interest rate i 1.941%

Sainsbury's

22 Month Low Balance Transfer Fee Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 21.9%
Risk based? i
Representative cash transaction interest rate i 1.941%

Home insurance (building and contents)

Sainsbury's

Home Insurance Plus

4 stars
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £350.00
Garden plants i
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £500.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Sainsbury's

Home Insurance

4 stars
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i £3,000.00
Escape of water excess i £350.00
Garden plants i
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £500.00
Money in the home i £500.00
Replace belongings new for old i
24hr helpline i
Dual Contents i

Buildings insurance

Sainsbury's

Home Insurance

4 stars
Trace and Access i £10,000.00
Cover for keys if lost i £750.00
Matching sets i 50% of the cost of replacing the undamaged parts
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £100.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £2,000,000.00

Sainsbury's

Home Insurance Plus

4 stars
Trace and Access i £10,000.00
Cover for keys if lost i £750.00
Matching sets i 50% of the cost of replacing the undamaged parts
Rainfall (mm) i 25 mm per hour
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £100.00
Escape of water excess i £450.00
24hr helpline i
Property owner liability i £2,000,000.00

Contents insurance

Sainsbury's

Home Insurance

4 stars
Matching sets i 50% of the cost of replacing the undamaged parts
Cover for keys if lost i £500.00
Theft from outbuildings cover limit i £3,000.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £500.00
Money in the home cover limit i £500.00
Alternative accommodation cover limit i £15,000.00
24hr helpline i

Sainsbury's

Home Insurance Plus

4 stars
Matching sets i 50% of the cost of replacing the undamaged parts
Cover for keys if lost i £500.00
Theft from outbuildings cover limit i £3,000.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £500.00
Money in the home cover limit i £500.00
Alternative accommodation cover limit i £15,000.00
24hr helpline i

Life insurance

Over 50s life insurance

Sainsbury's

Sainsbury's Over 50s Cover Fixed Plan

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i Full payout
How long after policy is started can full benefits be claimed? i 12 months
Maximum age i 80
Payout for accidental death outside waiting period i Full payout
Can you reduce monthly payments? i Yes (after one year)
If a payment is missed, how long until the policy is cancelled? i 30 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Discount offered with a funeral provider? i

Sainsbury's

Sainsbury's Over 50s Cover Increasing Plan

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i Full payout
How long after policy is started can full benefits be claimed? i 12 months
Maximum age i 80
Payout for accidental death outside waiting period i Full payout
Can you reduce monthly payments? i Yes (after one year)
If a payment is missed, how long until the policy is cancelled? i 30 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Discount offered with a funeral provider? i

Pet insurance

Cat insurance

Sainsbury's

Lifetime £10,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £99.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £2,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Sainsbury's

Lifetime £5000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £99.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescription diet (treatment of bladder stones only) i £5,000.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £3,000.00
Holiday cover i £5,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Sainsbury's

Lifetime £7500

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,500.00
Medical excess i £99.00
Annual policy limit i £7,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescription diet (treatment of bladder stones only) i £7,500.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £3,000.00
Holiday cover i £7,500.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Sainsbury's

Max benefit £3000

5 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £3,000.00
Medical excess i £99.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £3,000.00
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £1,500.00
Holiday cover i £3,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Sainsbury's

Max benefit £6000

5 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £6,000.00
Medical excess i £99.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £6,000.00
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescription diet (treatment of bladder stones only) i £6,000.00
Complementary treatment i £1,500.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £1,500.00
Holiday cover i £6,000.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Sainsbury's

Lifetime £2500

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,500.00
Medical excess i £99.00
Annual policy limit i £2,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £2,500.00
Complementary treatment i £750.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £1,500.00
Holiday cover i £2,500.00
Quarantine costs cover i £1,500.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,500.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Sainsbury's

Time limited £3000

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £99.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £3,000.00
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £500.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,000.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Holiday cancellation i £1,000.00
Holiday cover i £3,000.00
Quarantine costs cover i £1,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 10 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Sainsbury's

Lifetime £10,000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £99.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £10,000.00
CT scans i £10,000.00
MRI scans i £10,000.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £10,000.00
If renewed, are existing conditions covered? i

Sainsbury's

Max benefit £6000

5 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £6,000.00
Medical excess i £99.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 6,000
Dental cover (if due to an accident) i £6,000.00
Cruciate ligament damage i £6,000.00
CT scans i £6,000.00
MRI scans i £6,000.00
Prescription diet (treatment of bladder stones only) i £6,000.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £6,000.00
If renewed, are existing conditions covered? i

Sainsbury's

Lifetime £5000

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,000.00
Medical excess i £99.00
Annual policy limit i £5,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,000.00
Cruciate ligament damage i £5,000.00
CT scans i £5,000.00
MRI scans i £5,000.00
Prescription diet (treatment of bladder stones only) i £5,000.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £5,000.00
If renewed, are existing conditions covered? i

Sainsbury's

Lifetime £7500

5 stars
Type of cover i Lifetime, annual
Medical cover limit i £7,500.00
Medical excess i £99.00
Annual policy limit i £7,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £7,500.00
Cruciate ligament damage i £7,500.00
CT scans i £7,500.00
MRI scans i £7,500.00
Prescription diet (treatment of bladder stones only) i £7,500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £3,000.00
Holiday cover i £7,500.00
If renewed, are existing conditions covered? i

Sainsbury's

Lifetime £2500

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £2,500.00
Medical excess i £99.00
Annual policy limit i £2,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £2,500.00
Cruciate ligament damage i £2,500.00
CT scans i £2,500.00
MRI scans i £2,500.00
Prescription diet (treatment of bladder stones only) i £2,500.00
Complementary treatment i £750.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £2,500.00
If renewed, are existing conditions covered? i

Sainsbury's

Max benefit £3000

4 stars
Type of cover i Maximum benefit, condition
Medical cover limit i £3,000.00
Medical excess i £99.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 3,000
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i

Sainsbury's

Time limited £3000

3 stars
Type of cover i Time-limited
Medical cover limit i £3,000.00
Medical excess i £99.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 3,000
Dental cover (if due to an accident) i £3,000.00
Cruciate ligament damage i £3,000.00
CT scans i £3,000.00
MRI scans i £3,000.00
Prescription diet (treatment of bladder stones only) i £3,000.00
Complementary treatment i £500.00
Euthanasia cover limit i £200.00
Cremation i £200.00
Age when compulsory excess rises i 8 years
Amendment fee i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £3,000.00
If renewed, are existing conditions covered? i

Travel insurance

Annual multi-trip insurance

4 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £400.00
Combined passport & travel cover limit i £600.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 62 days

Sainsbury's

Platinum

4 stars
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000.00
Cancelling before travel cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £500.00
Combined passport & travel cover limit i £750.00
Cutting trip short cover limit i £7,500.00
Abandoning your trip cover limit i £7,500.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 92 days

Sainsbury's

Silver

3 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,250.00
Cancelling before travel cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £200.00
Combined passport & travel cover limit i £100.00
Cutting trip short cover limit i £3,000.00
Abandoning your trip cover limit i £3,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 62 days

Single trip insurance

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £400.00
Combined passport & travel cover limit i £600.00

Sainsbury's

Platinum

4 stars
Cancelling before travel cover limit i £7,500.00
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short cover limit i £7,500.00
Missed departure cover limit i £1,250.00
Abandoning your trip cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £500.00
Combined passport & travel cover limit i £750.00

Sainsbury's

Silver

3 stars
Cancelling before travel cover limit i £3,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250.00
Cutting trip short cover limit i £3,000.00
Missed departure cover limit i £300.00
Abandoning your trip cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £200.00
Combined passport & travel cover limit i £100.00

Travel insurance add-on: cruise cover

Sainsbury's

Silver

1 stars
Missed port departure cover limit i £500.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £250.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £300.00
1 stars
Missed port departure cover limit i £750.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £375.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £500.00

Sainsbury's

Platinum

1 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £500.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £750.00

Travel insurance add-on: winter sports

Sainsbury's

Silver

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £100.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £150.00
Unused ski pass due to illness or injury i £400.00
3 stars
Ski equipment owned cover limit i £750.00
Single owned item cover limit i £350.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £400.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £50.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £150.00
Unused ski pass due to illness or injury i £400.00

Sainsbury's

Platinum

3 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £400.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £0.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £150.00
Unused ski pass due to illness or injury i £400.00

Travel Insurance Covid-19 Cover

Sainsbury's

Silver

3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Sainsbury's

Platinum

3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Sainsbury's

Essential (Comparison Site)

3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Sainsbury's

Standard (Comparison Site)

3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Sainsbury's

Premier (Comparison Site)

3 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)