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Sainsburys Bank: Home insurance reviews

Name: Home insurance
Rating: 1.94 (102 reviews)

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1.64

Based on 102 reviews, last reviewed 6th Sep 2025

100% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

16%

70%

Latest highest rating:

5

Good price and easy to buy BUT Good price and easy to buy BUT Sainsbury’s are not doing house insurance in the future (hence why a low “recommend to others” score. Reviewed on: 6th September 2025

Latest lowest rating:

1

Very disappointed with two aspects of this insurance... Very disappointed with two aspects of this insurance from Sainsbury’s (Davies Group). Firstly we lodged a claim for accidental damage to our TV over a... Read more Reviewed on: 2nd September 2025

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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 (102)

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

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

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

Past from pillar to post

On the phone over two hours when I got through to covea was spoken to in a very unprofessional way by the man who was coming out to access the damage of my soft furnishings saying there are people far worse off than me where the ceiling has caved in on them I explained I had multiple sclerosis and was over come with smoke inhalation his attitude was very abrupt so I cancelled my claim. Reviewed on: 14th January 2023

Claim line - where is anyone

A joke- rang yesterday no answer did call back no call, same again today wasted over an hour on phone I need to speak to someone to do a claim as I don't have all info to do online claim I need a human being to speak to - its rubbish Reviewed on: 5th January 2023

Useless

Useless. Just useless. Don’t even bother with them Reviewed on: 4th January 2023

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