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Sainsburys Bank: Home Insurance reviews

Name: Home Insurance
Rating: 1.91 (98 reviews)

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1.61

Based on 98 reviews, last reviewed 21st Jul 2025

No new 5 star reviews

in the past 90 days

60% decrease in 1 star reviews

in the past 90 days

15%

72%

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

Never take responsibility I had home insurance with Sainsbury's, but when I tried to make a claim, I discovered that the underwriters were separate from Sainsbury's, which I wa... Read more Reviewed on: 21st July 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.

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Sainsburys Bank Home Insurance reviews (98)

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

Anybody there???

Do you actually exist? More than happy to take my money but called to claim today and after 45mins couldn’t get any answer or if they did answer told me that my insurer had changed. Called them. No sign of my policy. Eventually got cut off. Appalling!!!! Reviewed on: 4th January 2023

Renew Policy

Renewed my policy with Sainsbury’s home insurance after being with them for 3 years, but after 7 days I realized I had not received my policy, even though the money was taken from account. Phone them to chase where my policy was as it never arrived by email. After checking there system I was told that they couldn’t find my policy, and they couldn’t figure out what had happened. Totally disgusting as I paid in the usual way and money was taken out of my account, and if I didn’t chase where my policy was I would have been uninsured with them if something may have happened. Best of all they said they will credit me back the money and I can take the same policy but after having a require the price shot up a further £80. WONT BE DEALING WITH SAINSBURY Home insurance AGAIN, very very poor service, advised agent to get management to contact me over this issue which I’ve not heard from anyone even after 3days. Reviewed on: 27th December 2022

Reported to the FCA for misselling insurance.

Absolutely disgusting. Provided an IPID at purchase stage summarising everything would be covered and water damage would be covered. In the actual policy schedule they’ve worded it completely differently and it’s excluded. Two documents with two pieces of conflicting information. Scumbags who have robbed my parents blind. Rot in hell. Reviewed on: 20th December 2022

100% Price Hike

No claims made but 100% price increase for renewal. Going elsewhere and will never use Sainsbury's again. Do they not realise it damages their brand reputation not just for Sainsbury's bank but the supermarket and fuel stations? Reviewed on: 4th December 2022

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