Whatever you do, do not get insurance via Sainsburys Bank.
They lie
Say they'll cover you, then casually decide not to
Hold onto your money fraudulantly
Have an incapable customer service department
All have a different opinion of their own T&Cs
Have shocking relationships with their underwriters
And waste huge proportions of your time.
Despite having a question on their sign-up form of 'will you be undertaking building works', you selecting 'yes' and them congratulating you that they'll cover you and merrily taking your money in full. When you then call them to inform them the building works are starting, they then say they don't cover you.
Annoying but not the end of the world as they say they'll refund you the remainder of your policy given they are unable to provide the insurance service for you, and you'll be waived the cancellation fee. Cheque is on it's way to you... happy days.
SIX MONTHS & 10 x 1.5 hour phone calls later, (prepare for call wait times of 40 minutes each time with the same one ghastly song playing over and over) still no cheque, and no customer service representative has any idea of previous conversations. Nor any authority to do anything.
Nor can they access the call recordings they supposedly use for training purposes. I can assure you the grand total of ZERO training occurs at Sainsburys Bank.
They then cheekily write a letter saying they've decided to close the policy six months later but you must pay them £25 for the privilege and no refund.
It's fraudulent, a process riddled with lies & total incompetence.
I wish zero stars was an option .
Reviewed on: 10th January 2022
