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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Car insurance

Ranked 30th of 52 providers reviewed.

Customer happiness 69.47%
Customer trust 60.45%
Complaints performance 66.12%
Transparency rating 64.65%
Fairer Finance score
Reviewed Autumn 2022
65%

Credit cards

Ranked 17th of 31 providers reviewed.

Customer happiness 64.2%
Customer trust 56.34%
Complaints performance 74.97%
Transparency rating 45.11%
Fairer Finance score
Reviewed Autumn 2022
60%

Home Emergency Cover

Ranked 17th of 24 providers reviewed.

Customer happiness 46.94%
Customer trust 58.67%
Complaints performance 66.71%
Transparency rating 64.32%
Fairer Finance score
Reviewed Autumn 2022
59%

Home insurance (building and contents)

Ranked 33rd of 48 providers reviewed.

Customer happiness 63.54%
Customer trust 58.47%
Complaints performance 65.72%
Transparency rating 63.72%
Fairer Finance score
Reviewed Autumn 2022
63%

Life insurance

Ranked 25th of 26 providers reviewed.

Claims score 73.00%
Complaints performance 85.24%
Transparency rating 53.91%
Fairer Finance score
Reviewed Autumn 2022
71%

Personal loans

Ranked 13th of 26 providers reviewed.

Customer happiness 63.66%
Customer trust 55.51%
Complaints performance 74.97%
Transparency rating 61.36%
Fairer Finance score
Reviewed Autumn 2022
64%
Gold ribbon: first place

Pet insurance

Ranked 4th of 31 providers reviewed.

Customer happiness 55.08%
Customer trust 54.85%
Complaints performance 85.59%
Transparency rating 81.23%
Fairer Finance score
Reviewed Autumn 2022
69%

Savings Accounts

Ranked 40th of 50 providers reviewed.

Customer happiness 41.29%
Customer trust 45.45%
Complaints performance 75.05%
Transparency rating 76.69%
Fairer Finance score
Reviewed Autumn 2022
60%

Travel insurance

Ranked 33rd of 38 providers reviewed.

Customer happiness 45.71%
Customer trust 44.48%
Complaints performance 53.71%
Transparency rating 54.99%
Fairer Finance score
Reviewed Autumn 2022
50%

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

25 Month Balance Transfer Credit Card

4 stars
Duration of 0% balance transfer offer period i 25 or 17 months
Balance transfer fee during promotional period i 1%
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

17 Month Low Balance Transfer Fee Credit Card

4 stars
Duration of 0% balance transfer offer period i 17 or 12 months
Balance transfer fee during promotional period i 0% or 1%
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

27 Month Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 27 or 19 months
Balance transfer fee during promotional period i 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

30 Month Balance Transfer Credit Card

2 stars
Duration of 0% balance transfer offer period i 30 or 22 months
Balance transfer fee during promotional period i 2.89% or 4%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 4%
Representative balance transfer rate i 1.667%
Risk based? i

Sainsbury's

Nectar Credit Card

2 stars
Duration of 0% balance transfer offer period i 6 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

Dual 18 Month Credit Card

1 stars
Duration of 0% balance transfer offer period i 18 or 12 months
Balance transfer fee during promotional period i 3% or 4%
Representative APR i 21.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 4%
Representative balance transfer rate i 1.667%
Risk based? i

0% purchase credit cards

Sainsbury's

Dual 18 Month Credit Card

5 stars
Duration of purchases offer period i 18 or 12 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

Nectar Credit Card

4 stars
Duration of purchases offer period i 6 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

27 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

25 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

17 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

30 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

1 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

27 Month Balance Transfer Credit Card

1 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 18 Month Credit Card

1 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

17 Month Low Balance Transfer Fee Credit Card

1 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

25 Month Balance Transfer Credit Card

1 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

30 Month Balance Transfer Credit Card

1 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

30 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

27 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

Dual 18 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

25 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

17 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%

Money transfer credit cards

Sainsbury's

30 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

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

27 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

Dual 18 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

25 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

17 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 Emergency Cover

Sainsbury's

Home Emergency

5 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Inter Partner Assistance SA
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 30

Sainsbury's

Home Emergency (Home Insurance)

5 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home emergency policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Inter Partner Assistance SA
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 30

Home insurance (building and contents)

Sainsbury's

Home Insurance Plus

4 stars
Alternative accommodation cover limit for buildings i £50,000.00
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
Alternative accommodation cover limit for contents i £15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £750.00
Keys/locks if lost or stolen (Buildings) i £750.00
Money in the home i £500.00
Replace belongings new for old i
Trace and Access i £10,000.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of Water (Plus Compulsory Excess) i £450.00
Compulsory excess (Contents) i £100.00
Flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i
Contents Cover limit i £75,000.00
Underwriter Sainsbury Bank
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £15.00
Cancellation fee after 14 days i £25.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection Sum insured
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions £500.00
Out in Open Cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i Sum Insured
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £5,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics Optional
Cover Away from Home offered for: Money Optional
Cover Away from Home offered for: Jewellery Optional
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Sum Insured
Special events (weddings and civil ceremonies) - days 30 days
Special events (births) - limit Sum Insured
Special events (births) - days 30 days
Special events (anniversaries and birthdays) - limit Sum Insured
Special events (anniversaries and birthdays) - days 30 days
Special events (religious events) - limit Sum Insured
Special events (religious events) - days 30 days
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 47 mph

Sainsbury's

Home Insurance

4 stars
Alternative accommodation cover limit for buildings i £50,000.00
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
Alternative accommodation cover limit for contents i £15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £750.00
Keys/locks if lost or stolen (Buildings) i £750.00
Money in the home i £500.00
Replace belongings new for old i
Trace and Access i £10,000.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of Water (Plus Compulsory Excess) i £450.00
Compulsory excess (Contents) i £100.00
Flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i
Contents Cover limit i £75,000.00
Underwriter Sainsbury Bank/Panel
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £15.00
Cancellation fee after 14 days i £25.00
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection Sum insured
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions £500.00
Out in Open Cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i Sum Insured
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £5,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics Optional
Cover Away from Home offered for: Money Optional
Cover Away from Home offered for: Jewellery Optional
Cover Away from Home offered for: Bicycles & Other Optional
Special events (weddings and civil ceremonies) - limit Sum Insured
Special events (weddings and civil ceremonies) - days 30 days
Special events (births) - limit Sum Insured
Special events (births) - days 30 days
Special events (anniversaries and birthdays) - limit Sum Insured
Special events (anniversaries and birthdays) - days 30 days
Special events (religious events) - limit Sum Insured
Special events (religious events) - days 30 days
Cover for Home Emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 47 mph

Buildings insurance

Sainsbury's

Home Insurance

4 stars
Trace and Access i £10,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Matching sets/suites (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 47 mph
Escape of Water (Plus Compulsory Excess) i £450.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £350.00
Flood excess i £0.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £25.00
Amendment fee i £15.00
Property owner liability i £2,000,000.00

Sainsbury's

Home Insurance Plus

4 stars
Trace and Access i £10,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Matching sets/suites (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 47 mph
Escape of Water (Plus Compulsory Excess) i £450.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £350.00
Flood excess i £0.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £25.00
Amendment fee i £15.00
Property owner liability i £2,000,000.00

Contents insurance

Sainsbury's

Home Insurance

4 stars
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i £750.00
Theft from outbuildings cover limit i £3,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i £15,000.00
24hr helpline i

Sainsbury's

Home Insurance Plus

4 stars
Matching sets (Contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i £750.00
Theft from outbuildings cover limit i £3,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i £15,000.00
24hr helpline i

Life insurance

Over 50s life insurance

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
Signing up incentive i 20,000 Nectar Points
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 Not offered

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
Signing up incentive i 20,000 Nectar Points
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 Not offered

Pet insurance

Cat insurance

Sainsbury's

Max benefit £3,000

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 £6,000

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 £7,500

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

Lifetime £5,000

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 £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 £2,500

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

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

Lifetime £7,500

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 £5,000

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

Max benefit £6,000

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 £2,500

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 £3,000

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

Savings Accounts

1 Year Fixed Rate Accounts

Sainsbury's

Fixed Rate Saver

Interest Rate (AER) i 3.25%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

Sainsbury's

Fixed Rate Saver

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

3 Year Fixed Rate Accounts

Sainsbury's

Fixed Rate Saver

Interest Rate (AER) i 3.55%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

4 Year Fixed Rate Accounts

Sainsbury's

Fixed Rate Saver

Interest Rate (AER) i 3.6%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

5 Year Fixed Rate Accounts

Sainsbury's

Fixed Rate Saver

Interest Rate (AER) i 3.65%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Sainsbury's

eSaver Special

Interest Rate (AER) i 1.71%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Sainsbury's

Extra Saver

Interest Rate (AER) i 0.7%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Sainsbury's

Defined Access Saver - Issue 38

Interest Rate (AER) i 1.05%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i If there are 3 or less withdrawals in each 12 month period then the account holder will earn 2.50% on balances between £1,000 - £500,000, 1.05% between £1.00 - £999 and 0.9% on balances over £500,000. If more than 3 withdawals are made the interest rate will be 0.80% on all balances up to £2,000,000.
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Sainsbury's

Fixed Rate Cash ISA

Interest Rate (AER) i 2.8%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Sainsbury's

Fixed Rate Cash ISA

Interest Rate (AER) i 2.85%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 150 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

3 Year Fixed Rate ISAs

Sainsbury's

Fixed Rate Cash ISA

Interest Rate (AER) i 2.9%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 210 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

4 Year Fixed Rate ISAs

Sainsbury's

Fixed Rate Cash ISA

Interest Rate (AER) i 2.95%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 240 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

5 Year Fixed Rate ISAs

Sainsbury's

Fixed Rate Cash ISA

Interest Rate (AER) i 3%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 270 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Sainsbury's

Cash ISA

Interest Rate (AER) i 2.4%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

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