Sainsbury’s Home Insurance

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Sainsbury’s Home Insurance

Sainsbury’s offer a range of home insurance options through Sainsbury’s Bank. These include buildings insurance, contents insurance and joint buildings and contents insurance. They also offer a number of optional extras to help you build a comprehensive home insurance policy that gives you everything you need for complete peace of mind.

Choosing a Sainsbury’s home insurance policy

Sainsbury’s offers two levels of insurance: Standard and Premier. Sainsbury’s Premier cover has been awarded a 5 star rating by Defaqto.

Sainsbury’s offers a range of incentives for new customers:

  • Up to 35% introductory discount for nectar card holders
  • If you take out a combined policy then they will give you a shopping voucher to spend at Sainsbury’s
  • If you take out a combined purchase then you will receive double nectar points on Sainsbury’s shopping and fuel for a year

Sainsbury’s Buildings Insurance

Standard: Up to £1 million of buildings cover

Premier: Unlimited Buildings cover

Both levels offer:

  • Alternative accommodation if your home becomes inhabitable
  • Loss or theft of keys
  • Trace and access to help you locate leaks within your home

Sainsbury’s Contents Insurance

Standard: Up to £50,000 of contents cover

Premier: Up to £100,000 of contents cover

Both levels offer:

  • Cover for digitally downloaded information, such as films, games and music
  • Cover for garden items such as furniture, gates, BBQs and lawnmowers
  • Student belongings while your child is living away at home

Optional extra cover

As well as the standard protection offered with Sainsbury’s home insurance policies, you can also choose from the following add-ons for an additional fee:

  • Accidental damage cover (for both buildings and contents)
  • Home emergency cover (e.g. for boiler breakdowns or burst pipes)
  • Personal possessions cover (protects your valuables outside the home)
  • Key cover (replacement for lost or damaged keys and locks, plus locksmith charges)

Questions to ask when choosing home insurance

When you’re choosing your home insurance, there are many things to consider. We’ve narrowed down some of the key elements of home insurance which you should be looking for.

Do they offer enough cover for you needs?

Do you need building and contents insurance? It’s generally advised that you take out both but it does depend on your individual circumstances.

You should also make sure your home is covered for the rebuild value rather than the market value. Additionally, many people underestimate the value of their possessions, so be sure to carefully cost your contents to make sure the policy will be enough to cover it all.

Does your policy include New for Old replacement?

This is offered as standard with most (but not all) contents policies now, but it is still worth checking. It means if an item needs replacing you will receive a similar but new product to the old item, rather than the value of the old one.

What excess are you able to pay?

When you make a claim on your insurance policy you will have to pay an excess. This normally comes in two parts: a compulsory excess and a voluntary excess. The compulsory part is set by your insurer whereas the voluntary part is set by you. The higher the voluntary excess, the lower your monthly premiums will be.

Does your building have a special feature?

Some buildings, such as listed buildings and buildings with a flat or thatched roof may not be covered by standard insurance. You will thus need to look for specialist cover that matches your needs.