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Sainsburys Bank: Car insurance reviews

Name: Car insurance
Rating: 2.61 (157 reviews)

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2.61

Based on 157 reviews, last reviewed 13th Aug 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

12%

77%

Latest highest rating:

5

No issues, good app. No issues, good app. Recommended. Reviewed on: 13th August 2026

Latest lowest rating:

1

Very bad experience I have with them. Very bad experience I have with them. Very rude customer service agents Reviewed on: 23rd December 2024

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About this product

If you’re a Nectar member, you’ll get a guaranteed discount on your Sainsbury’s Bank car insurance.

Sainsbury’s Bank car insurance is underwritten by a range of insurers, you’ll be told who the insurer is before you buy. You can choose between comprehensive and third-party cover depending on the protection you need.

Sainsbury’s Bank car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Sainsbury’s Bank before, you can also leave a review and share your experience.

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Sainsburys Bank Car insurance reviews (157)

Sainsburys should stick to groceries. Car related issues are not dealt with well at all!

i honestly do not know where to start. since the moment i reported the accident to the company, i have been distressed with the poor service i have received. miscommunication and omission of vital information. i am now over two weeks after the accident has occurred and my damaged car has still not been taken in for repair and i have not been given a replacement car as per the policy. everyone i have spoken to at the company have held their hands up telling me its not their problem and then i asked to speak to the manager and was passed over to a 'team leader' called Drew. he said he will call me back. that was two days ago. today i went to pick up the car and then informed it was a manual. i last drove one 20 years ago so for the sake of safety i have asked everyone i have spoken to over the duration of 17 days that i would require an automatic car. once i arrived to collect the car, they told me i have to pay extra per day for that - which will total an extra £200 on top of the £500 excess. No wonder Sainsburys Car Insurance was the cheapest - no experience or resources to deal with car accidents in a kind or timely fashion. i will be escalating this. Reviewed on: 16th March 2023

Ripping off people

If had read all these reviews before I subscribed, I would stay clear from this so called car insurance. Unlike most people, I thankfully didn't had to make a claim or update something. My issue I had is more pathetic than that...when I bought my insurance, I was promised 4000 nectar points so I thought why not...I filled up everything and entered my nectar card number as requested. Then nothing...I called them to enquire and they said to wait 60 days which I did...3 months after, no points, I called again and a guy told me he will request these points for me...waited but still no points after 2 months of waiting. Called again 3 weeks ago and spoke to a rude lady who was shouting like a fishmonger to tell I didn't qualify for this points as I didn't enter a promotional code (it goes without saying that no promo code was shown on check out...it was a lie) but she did say she will call me back to resolve the matter....of course she never did. I called again today and the same excuses have been brought up again this time blaming Money Supermarket for the issue but no way they were going to issue the points. I was fuming, wasted my time and my money! They cannot be trusted if they can't fulfill their promises for few points how can you trust them for car incident claim!!! This is coming from Sainsbury's group, I would stay well away from them...in all honesty I am not going to shop in their supermarket anymore either as I am disgusted by their behaviour....Liars and pathetic,that is what they are!!! Reviewed on: 15th March 2023

Worst service

The price was very low so I should have expected problems. The day before it was due to go live they wrote saying that they couldn’t accept the no claims from previous insurer. If you want to phone them it costs £25 and if you want to cancel it costs £25. Tye app/website is awful. Don’t use them. Reviewed on: 6th March 2023

Absolutely appalling customer service - do not use

I called Sainsbury's Car Insurance to amend my address on my policy. They said that the underwriters couldn't offer a quote on the new address (?!?) and said they I would have to cancel my policy (?!!), even though I'd had the policy for less than 4-months they refused to refund the set-up fee (£40), forcing me to lose out on this fee and then also pay a set-up fee on my new policy. Daylight robbery. Tried to argue this point with them but they said that 'it's in my terms and conditions'. Do not use Sainsbury's Car Insurance. Terrible Customer Service. Reviewed on: 1st February 2023

Worst insurer I've had

Still waiting for my refund of car insurance. I stopped my auto renewal online only to find out that sainsbury continued to take monthly payments. Also sent me a bill for £40 cancellation fee even tho I didnt cancel, I only stopped the renewal. I had taken out car insurance elsewhere to which they want proof of ( god knows why ) , it's not got anything to do with them. Communication is pathetic. Passed from agent to agent and promised calls back which never happen. You'd think a company this reputable would make the effort but nothing. AVOID AT ALL COST. YOU WILL BE DISSAPOINTED!!!! Reviewed on: 24th January 2023

Really bad insurer

I wanted to add someone to my policy as I've got covid and my parents are elderly and sick. I wanted someone to be able to check on them so tried to insure him on my policy. He has no convictions and no accidents he's over 40 but they wouldn't allow him to be covered. Worse than that they had no idea why. They then gave me the wrong no. For the underwritten so I can't find out either. I wouldn't trust them with any insurance. Reviewed on: 16th January 2023

Bad Company

Rubbish! Absolutely useless! They told me they spread a missed payment over my remaining months, I then got home to a letter saying my policy was cancelled 5 days before receiving this letter. I was using my car all week and I was none of the wiser. The letter said they had written to me to warn me of the cancellation but no letter was received. They didn't spread the cost, as someone was apparently supposed to call me back but never did and I wasn't aware of this. Communication is awful! Penalise the customer without notice. Reviewed on: 14th January 2023

Rubbish

Worst car insurance a bunch of rip offs glad I moved insurance Reviewed on: 20th December 2022

Fucking useless app

Renewal due in 3 weeks. Not heard a thing from them. Tried to call 4 times for a quote, get transferred every time to 'correct department' - automatically on hold then cuts off after 15 mins. Their contact us form does not work. Literally no way of speaking with them. Cannot renew on the app. Absolutely ******* useless. Reviewed on: 19th December 2022

Unclear insurance cancellation

Don't take car insurance with them! You've been warned. I paid my insurance annually, all sorted before the insurance starting date. Initially they asked me for proof of NCD, which I uploaded on 23rd of November. I called them and they said that the insurance have been adjusted, and they owed me a refund for the NCD. However, I got a letter stating my insurance has been cancelled on 2nd of December due to outstanding balance. Why do I have an outstanding balance if they're owing me? They cancelled my insurance one sided- which was their internal fault. Although I got some of my money back, but it's very expensive to pay 250£ for insurance less then 2 months! I called them again today, spoke to sandy. Very nice and helpful, who's going to update me later. But overall, I wouldn't take car insurance with this bank anymore! Reviewed on: 5th December 2022

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