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

Car insurance

Ranked 40th of 52 providers reviewed.

Customer happiness 61%
Customer trust 43%
Complaints performance 56%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2018
51%
Gold ribbon: first place

Credit cards

Ranked 18th of 35 providers reviewed.

Customer happiness 63%
Customer trust 50%
Complaints performance 79%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2018
60%

Home insurance

Ranked 25th of 47 providers reviewed.

Customer happiness 59%
Customer trust 48%
Complaints performance 77%
Transparency rating 40%
Fairer Finance score
Reviewed Spring 2018
56%

Life insurance

Ranked 8th of 22 providers reviewed.

Claims score 98.27%
Complaints performance 91%
Transparency rating 57%
Fairer Finance score
Reviewed Spring 2018
77%

Personal loans

Ranked 14th of 25 providers reviewed.

Customer happiness 59%
Customer trust 43%
Complaints performance 79%
Transparency rating 45%
Fairer Finance score
Reviewed Spring 2018
56%
Gold ribbon: first place

Pet insurance

Ranked 11th of 22 providers reviewed.

Customer happiness 56%
Customer trust 52%
Complaints performance 69%
Transparency rating 48%
Fairer Finance score
Reviewed Spring 2018
56%

Savings accounts

Ranked 27th of 36 providers reviewed.

Customer happiness 46%
Customer trust 46%
Complaints performance 79%
Transparency rating 60%
Fairer Finance score
Reviewed Spring 2018
57%

Travel insurance

Ranked 30th of 56 providers reviewed.

Customer happiness 59%
Customer trust 47%
Complaints performance 53%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2018
52%

Car insurance

Sainsbury's

Car Insurance

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

Home insurance

Sainsbury's

Home Insurance

5 stars
Escape of water excess i £250
Matching sets i
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
Cover for keys/locks if lost i £750
Matching sets i 50%
Trace & access i £10,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Compulsory excess i £100
Cover for keys/locks if stolen i £750
Escape of water excess i £250
Property owner liability i £2,000,000

Contents insurance

Sainsbury's

Home Insurance

5 stars
Cover for keys/locks if lost i £750
Matching sets i 50%
Theft from outbuildings i £3,000
24hr helpline i
Alternative accomodation i £15,000
Cover for keys/locks if stolen i £750
Cycles included whilst in the home i £750
Money in the home i £500
New for old 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
Premium ending age i 90
Waiting period (months) i 12
Can you reduce monthly payments? i
Funeral benefit option Not offered
Maximum age i 80
Missed payments allowance (days) i 30 days
Payout for accidental death outside waiting period i Full payout
Protection for customers past the crossover point (refund) i

Sainsbury's

Over 50s Cover Increasing Plan

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

Pet insurance

Cat insurance

Sainsbury's

Premier

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

Sainsbury's

Premier Plus

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

Sainsbury's

Standard

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

Dog insurance

Sainsbury's

Standard

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

Sainsbury's

Premier

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

Sainsbury's

Premier Plus

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

Travel insurance

Annual multi-trip insurance

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

Sainsbury's

Platinum

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

Sainsbury's

Silver

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

Single trip insurance

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

Sainsbury's

Platinum

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

Sainsbury's

Silver

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

Travel insurance add-ons

Cruise add-on

Sainsbury's

Silver

1 stars
Cabin confinement i £250
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £500
Unused excursions i £300
1 stars
Cabin confinement i £375
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £750
Unused excursions i £500

Sainsbury's

Platinum

1 stars
Cabin confinement i £500
Missed port departure i £0
Re-joining a cruise i £0
Missed port departure excess i £60
Timetable/itinerary change i £1,000
Unused excursions i £750

Winter sports add-on

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

Sainsbury's

Platinum

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

Sainsbury's

Silver

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