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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:

Insurance delays

After suffering a leak in my home I had to contact Sainsburys insurance 3 times - each time getting a different set of instructions of what to do next. After THREE MONTHS the adjuster came out and told me it was straight forward and that he was going to write up his estimate. Soon after I get an email saying that they are transferring my claim to an investigative adjuster - when asked why, I was told it was because of my Post code which seemingly has a higher number of claims that normal. It is now 8 months since I submitted the claim and the claim is no where near complete. the adjuster has also said that he will only pay for works completed and invoiced which means I am going to have to pay out of pocket and claim the money back. AVOID LIKE THE PLAGUE Reviewed on: 2nd June 2022

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

Avoid avoid avoid

They have made my life a nightmare. Gave me anxiety and they mis-interpreted the information i gave them and turned everything against me to suit them. Preparing ombudsman complaint now. Reviewed on: 25th November 2022

First make your judgement based upon the reviews

Though you are able to cancell a policy within the 14 days of the cooling off period there is a an admin charge of £20 deducted from the return of premium. Not all companies make such a charge. Best to research & do your home work first to avoid this expensive mistake Reviewed on: 27th October 2022

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