Sainsbury’s Home Insurance
Compare Sainsbury’s Home Insurance With UK Market
- *Based on 10% of Admiral tier Instaquote building and contents combined customers between July and December 2020 paid from £115
- Choose from three levels of cover: Admiral, Gold or Platinum
- Unlimited buildings cover
- Up to £150,000 contents cover
- Bicycle cover (under £350)
- Optional additional cover including bicycle cover worth more than £350, high value items and personal possessions
- Optional extras including Family Legal Protection, Home Emergency Cover, Boiler Emergency Cover and Accidental Damage Cover
- 24 hour emercny helpline
- Moneyfacts’ Home Insurance Provider of the Year, Moneyfacts’ highest five star rating, Insurance Choice Awards Best Home Insurance Provider 2019
- Admiral.com Home Insurance is rated 9.1 out of 10 based on 4084 Revoo reviews from the last 12 months
- 20 million policies: Over the past 28 years, the Admiral Group has served millions of policies to our vast customer base.
- Build your policy from three levels of Bronze, Silver or Gold Cover for buildings, contents or both. Then tailor your policy with optional add-ons
- Change your policy at any time, without admin fees or hidden charges. You can even cancel at no extra cost
- If you’re an existing customer, you won’t pay more than a new customer for the same cover
- From £10,000 to Unlimited Alternative Accommodation Cover if you can’t stay in your current home as the result of an approved claim
- Valuable cover from £10,000 to £40,000
- Optional add-ons including Personal Cyber Cover, Legal Expenses Cover, Accidental Damage Cover for contents and/or buildings, Bicycle Cover. Student Cover, Home Emergency and Boiler Servicing Cover, and Gadget Cover
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what’s not covered.
* Excludes Home Emergency and Home Legal expenses
- Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
- Quickly compare home insurance quotes
- We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
- Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer
- *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019
- Save £££’s online with our home insurance policies
- Buildings, contents or combined insurance available
- Add on optional extras
- Low prices with great value insurance
- Flexible, comprehensive home insurance
- CCJ’s, bankruptcy or offenders acceptable
- Cover available for vacant property
- Non standard construction insurance available
- 9 out of 10 customers rate overall claims service as excellent
What do I need to get a quote?
Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
Your property’s build date: you can find the actual date in your mortgage survey or home buyer’s report
The date you bought your house or when you moved in.
Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.
Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.
The rebuild cost of your house: Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.
The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.
The details of any items you wish to insure that are worth over £1,000.
Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.
What does home insurance cover?
Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.
Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.
Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.
You can compare all three policy types through Confused.com.
You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.
For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.
- Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
- Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
- Get a quote in 60 seconds
- Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent
- No cancellation fees
- No administration fees to make changes
- 24/7 UK based claims service
- Contents cover can include bicycle & gadget cover
- Damaged items get replaced with new
- Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers
Home & Contents Insurance Offers
Compare Top UK Home & Contents Insurance Quotes!
- One short form to complete
- Compare UK home & contents providers
- Find a policy to suit your needs!
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.
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