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Sainsburys Bank: Home insurance reviews

Name: Home insurance
Rating: 2.53 (106 reviews)

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2.53

Based on 106 reviews, last reviewed 20th Aug 2026

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

16%

70%

Latest highest rating:

4

Good, comprehensive cover for very reaspmable premium. Good, comprehensive cover for very reaspmable premium. Reviewed on: 20th August 2026

Latest lowest rating:

1

Impossible to contact them, not clear how to contact... Impossible to contact them, not clear how to contact them to make a claim - very poor service if contact is not made clear Reviewed on: 20th August 2026

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About this product

Sainsbury’s Bank has two levels of home insurance cover: Home and Home Plus.

Both policies can be tailored with optional extras, including enhanced cover for both buildings and contents. Sainsbury’s Bank also has a smartphone app to manage your policy at any time.

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

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Sainsburys Bank Home insurance reviews (106)

Appalling customer service-do not use them!

I paid monthly for my home insurance & when it was up for renewal I decided to pay it all in one go & did so over the phone, I then cancelled my monthly direct debit with them & went on holiday for 2 weeks. imagine my shock on returning to see 2 letters from them stating that they had cancelled my insurance as I still had 1 months outstanding payment on my DD-so I had been on holiday & my home wasn't even insured! I called them & they were awful, blaming me saying it was my fault etc then they informed me they would return my premium I Had just paid minus £44 for "admin", I kid you not! I argued with them & got nowhere so I sent a letter to their head office plus several emails, nothing, their customer service is absolutely appalling! I dread to think what would have happened had I needed to make a claim with them as they really don't care about their customers, I would never use them again, they are the worse in the business Reviewed on: 13th January 2024

Took yearly and monthly premium

They issued 2 x policies, one monthly and one yearly, when I discovered this I was told it would take 2 x months to get my money back, will not be renewing with them. Reviewed on: 23rd October 2023

Payment method failed and left uninsured

So their renewal offer said they would try to collect payment 5 days before renewal but 19 hrs it’s expiry (19:27 in the evening) they email to say that the payment failed. I called the next morning to be advised that since the renewal did not take place the policy has been cancelled and the time period, now barely 36hrs, means that the policy cannot even be reinstated. I was then advised to obtain a new quote. Of course everyone knows trying to shop around for insurance at the last minute it’s super expensive and so SainsburyBank Insurance just cost me a load of stress and worry for being uninsured and the extra to purchase some last minute insurance. It’s almost as though they are closing the unit and don’t want the business. well good bye Sainsbury’s. Reviewed on: 17th October 2023

No Insurance Cover While Selling Rental Property!

Sainsburys cancelled my landlord insurance policy after a rental property was vacant for 60 days. I have been a loyal customer for more than 12 years. Thanks a bunch Sainsburys. Reviewed on: 16th October 2023

Shockingly bad

Expect to spend weeks on the phone trying to resolve simple issues with complaints shelved for months. Calls with agent after agent repeating yourself, conflicting answers, underwriters that appear to have no contact details etc. Avoid like the plague. Reviewed on: 5th October 2023

Avoid at all cost - terrible

Flood in kitchen. Had emergency cover but after 6 hours told to get own plumber - now due to delay early hours of morning. Submitted claim for extensive water damage, but three weeks later no further forward and unable to use kitchen Reviewed on: 10th September 2023

Great service

Always find Sainsbury's bank very competitive on price and easy to quote and renew Reviewed on: 25th August 2023

Good Service

The T and Cs were well laid out and the contents insurance was good value for money. Sainsburys has good customer service and respond to their customers in a timely manner Reviewed on: 24th August 2023

The best support ever!

Through a clumsy mistake I managed to set fire to my garden shed, which spread to the garden fence, the gable end of my garage and my neighbours summer house. Our claim was dealt with in a sympathetic manner incredibly quickly. Having agreed a settlement figure my wife realised she had missed the VAT. I said to her, well the claim is settled you won't get that, but Sainsburys added the VAT to the claim and paid us the VAT element within a couple of days. I would thoroughly recommend them without reservation. Reviewed on: 24th August 2023

Reward points make it worth it

The doubling of nectar reward points make this worth it if you regularly shop at Sainsburys Reviewed on: 24th August 2023

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