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Sainsburys Bank: Home Insurance reviews

Name: Home Insurance
Rating: 1.93 (96 reviews)

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1.64

Based on 96 reviews, last reviewed 15th Apr 2025

No new 5 star reviews

in the past 90 days

25% increase in 1 star reviews

in the past 90 days

16%

71%

Latest highest rating:

4

Competitive prices, but.... Competitive prices, some things you can do online but otherwise any queries or complications you need to call up their call centre. That's not always ... Read more Reviewed on: 27th August 2024

Latest lowest rating:

1

Who reads small print! Who reads small print!? Well, an excess of £600 for a water leak! Won't cover cost of repair or to put right the cost of access to repair. So , basica... Read more Reviewed on: 15th April 2025

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About this product

As a homeowner, your house is likely your most valuable asset, so adequate protection is vital. Whether you require buildings insurance, contents insurance, or a combination of the two, finding the right insurer is important. Check out our Sainsbury’s Bank home insurance reviews to learn more about the provider and its policies.

Sainsbury’s Bank has two levels of home insurance cover: Standard and Home Plus. Both policies can be strengthened 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. The app allows you to make changes to your policy without any admin fees.

The right home insurance policy for you will depend on your requirements. You may be looking for the provider that can offer the most additional extras for the strongest level of protection. Comparably, you may be looking for a basic level of cover for the lowest cost. Whatever your needs, find out if Sainsbury’s Bank is right for you by reading our Sainsbury’s Bank home insurance reviews.

Have you had a home insurance policy with Sainsbury’s Bank? Tell us which level of cover you chose and whether you opted for any additional extras. Did you need to make a claim, and if so, how well was it dealt with? Did you use the smartphone app? Would you recommend your policy to family members or friends?

Whether good or bad, leave a Sainsbury’s Bank home insurance review today. Together, we can help people like you make better decisions.

Sainsburys Bank Home Insurance reviews (96)

Review of the Sainsburys Bank, Home Insurance:

Very poor service

Trying to set up the Sainsburys Home Insurance App since early December. 7 calls to them for assistance and still no joy. They say they are going to re set it for me to re register but this never happens. Today was promised a call back to help me but it never happened. Sainsburys - Where do I go from here?? Reviewed on: 27th January 2023

Cannot get to policy and poor support

I cannot see my policy online and cannot add it. Website leads you in circle for support and only method to contact is by phone Mon-Fri only from 9:00am until 5:30. Greta for people who work! Reviewed on: 2nd August 2023

Disgusted allI keep getting is the Runaround

After being insured with no claims over 10 years I fell and spilt paint on my sofa 3 months later i'm still getting the runaround and 15 different phone numbers not resolved I definately wouldnt recommend them Reviewed on: 28th July 2023

excellent customer service

I went with Sainsbury's home insurance a year ago after searching on a comparison site. Their renewal quote for the next year was £37 more than last year so I rang and spoke to an advisor. Within minutes she quoted me a price that is even lower than last year! Great customer service. Reviewed on: 14th July 2023

no problems just hard to get on the phone

writing a review as some reviews are very negative, and i haven’t had a really negative experience with them. i’ve had sainsburys home insurance for years and car insurance here and there, home emergency cover has been great, my boiler broke down in the middle of last winter, they came the day after and fixed same day, arrived when said they would, i always check prices on confused.com when coming up to renewal sainsburys is often cheaper through them so i will cancel my auto renewal when i log into account and buy the same policy but through confused. my policy usually goes up around £25 each year, on confused i would pay around £10 or so more. so a little saving. depends each year. not sure why people had problem trying to cancel it, not had a problem. also have not experienced the prices going up as much as some reviewers have suggested. i do agree that it’s sometimes difficult to get them on the phone, hence not full stars, but you can chat with someone if the bot puts you through, avoid busy times. in general i’ve been a happy customer for years. Reviewed on: 21st June 2023

Way too expensive

I am disgusted at Sainsburys Insurance. With 10 years no claims they think increasing our home insurance by over 50% acceptable - absolutely disgusting! Needless to say shopped around and got it £82 cheaper and top cash back of £37. Lost a customer and we won’t be back Reviewed on: 18th May 2023

Freak show

So I purchased home insurance off these people. 4 days after the start date I tried to login to have a look at the policy etc. I couldn't login as it was sending a code to a different phone which I had mistakenly entered. I called them for advice and after a very long conversation was told I would have to wait 24 hours and re register. I was then told as I'm making changes and didn't do it online in my portal, I would be charged £15. I couldn't login so had to call. With the numpty on the the phone and this rule in mind, I cancelled the service I couldn't risk having these charges incase I had to call again. They have now write to my saying I agreed to pay £20 to cancel the contract. Who do they think they are? Flabbergasted to say the least and I raised an issue on resolver to them, they have ignored that as well. Don't use these block heads it's not a service it's a money making scam!!! Reviewed on: 17th April 2023

Absolutely Terrible Insurance Product. Avoid, avoid, avoid!!!

I have Sainsbury's Home Insurance and Sainsbury's Home Emergency cover. I contacted Sainsbury's on the 5th of April 2023 as the hot water to my property had cut out around 12 hours ago. Sainsbury's did send someone out to fix the issue the next day (6th of April). However, the person that came out said that he was unable to fix it as a part needed to be ordered. He also said that a plumber would be needed. To date, I have not heard back from Sainsbury's on what the next steps will be for resolution. I have been without hot water now for 7 days and not heard a peep from Sainsbury's. I have been calling to get some sort of update but have not heard anything back- I just get passed around different departments after spending hours on hold. Very disappointed and needless to say, will not be getting Sainsbury's insurance or emergency cover again. Reviewed on: 11th April 2023

Emergency cover anything but.

I utilised my emergency cover in an attempt to solve my issue with hot water. An electrican came round and suggested alternate solutions through a plumber. Since then haven’t heard a peep from them. Been left without hot water for days now. Absolutely terrible service. Wouldn’t recommend to my worst enemy. Reviewed on: 11th April 2023

Disreputable, be very careful!

I took out Home Insurance specifically for an unoccupied property. The policy clearly states the property is unoccupied but when I needed to claim, the insurance company said they didn't insure unoccupied properties despite stating I had avised them of this on the policy! I can't believe they can get away with misselling like this. Also, make sure you read S004 - restricted Perils on the last page as it is likely this nulifies anything already stated in the policy. I was made to pay £39.92 to cancel the policy they said they wouldn't pay out on otherwise it would effect my credit rating and any future insurance I took out!! Very shabby, best stay well away from Sainsbury's Bank and Prestege Underwritting Services. Reviewed on: 8th February 2023

A cancellation joke

After being with Sainsbury home contents insurance for some years I needed to cancel it due to personal circumstances. How surprised I was to be told that to cancel it, I HAD to pay £50 for the privilege...a complete joke.. it worked out that it would have been cheaper to have continued paying for over a year than cancel my insurance... be careful to read the damn TERMS AND CONDITIONS... setting up fees that you also have to pay to cancel are a joke... I did that myself ONLINE!!! I will make sure that none of my friends or family EVER choose Sainsbury bank facilities. Au revoir... Ciao.... I won't be back!!! Reviewed on: 20th January 2023

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