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Sainsburys Bank: Home Insurance reviews

Name: Home Insurance
Rating: 1.93 (96 reviews)

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1.66

Based on 96 reviews, last reviewed 15th Apr 2025

No new 5 star reviews

in the past 90 days

No new 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:

Good Value

Much cheaper than any of the others and they throw in a £20 Sainsburys voucher Reviewed on: 21st September 2016

Cancellation fees are ridiculous!

Couldn't get through on the phone after several calls. Cancelled online but had to pay £25.00 for the cancellation fee (fine not a problem) but also an extra charge which was more than the monthly insurance cost I paid - considering I only paid for my insurance less than a week ago I thought that was so cheeky - I have only just moved house! Nobody answers the phone for you to complain so had no choice but to pay. Will never use them again! Reviewed on: 7th December 2021

Shambolic money grabbing operation

Robotic, impersonal, cynical service I would advise anyone to stay away from. Forced me to pay early termination on coverage I was given incorrect information about. Shambolic. Reviewed on: 6th December 2021

Auto renewal SCAM

Tried to cancel but cant get through to speak to anyone. This is an absolute scam. avoid at all costs. Reviewed on: 24th November 2021

Absolutely awful

My home was not insured as they put the wrong house number to my home that did not show up on the internet log in.I cannot get through to them without 40 minute waits on the phone. Complaint raised after the 5th phone call.I have not heard anything after 2 weeks!..Terrible terrible service. And my home was uninsured for a year , paying max premium.Please avoid Sainsbursy insurance. Reviewed on: 22nd November 2021

Stay Clear! It's a trap!!!!

My husband and I took Sainsburys home insurance, and close to renewal date, we received a much higher quote and upon checks online, decided to change our insurer for the following year. However, Sainsbury's have (unbeknownst to us), kept us on a "auto renewal" scheme and the letter informed us that unless we contact them by phone to stop the renewal, it will go ahead. Now that's where the Sainsbury's scam begins: You cannot stop the renewal by login into your account. The site tells you to call an specific number. When you call the number, after going through a long and irritating menu, you are simply cut off. So, we tried other numbers. Five in total. We got NOWHERE!!!! You are either kept on the line indefinitely (45 min at one point) or you are cut off. This is nothing short of a scam and we are so furious because our Bank says we need them to stop the auto renewal and they conveniently wont take any calls nor will allow us to cancel it online. It's a NIGHTMARE!!!!! Reviewed on: 19th November 2021

Very poor quality

narketed as a comprehensive policy, but doesn't cover contents in the garden, fences, hedges & gates from storm damage Reviewed on: 1st November 2021

Do not fall into the trap, stay away

Impossible to get through to them on the phone. I wanted to cancel my renewal because it was more than double what i could get elsewhere. But cancelling is next to impossible. They thought that by not attending to me, I will go away! It only made me determined to not use any of their services. Reviewed on: 19th October 2021

Very poor customer service.

Our policy has just come up for renewal and as the premiums had more than doubled we decided to cancel. Then came the fun part. Trying to get through the phoneline was practically impossible, I eventually found an email address to make a complaint and did recieve a phone call apologising. I explained that I couldn't access the online portal to cancel the policy but was told that there shouldn't be an issue. Also recieved a letter from Sainsbury's bank with a somewhat sarcastic undertone to it. If I could give zero stars I would. Reviewed on: 12th October 2021

Slippery

Claim refused as the leak problem could have been going on since previous policy. Pointed out previous 2 years policies also dealt with by same underwriter after their loss Adjuster suggested I contact previous insurers, One Call. Before that insured with Swinton. All these companies use Davies Group as underwriter. I've been told by my loss assessor this company is notoriously awful and will pretty much ignore me and just suggest I go to insurance tribunal in the end if I'mnot happy. I have borrowed funds for work required anyway and maybe I'll get a positive outcome in around 3 years time if I'm lucky. AVOID anyone underwritten/handled by Davies Group Reviewed on: 9th October 2021

Really Poor Bundled Package

I have had my home insurance with Sainsbury's and have always found them easy to deal with and cost effective. I pay towards Family Legal Protection, bundled in my package. I have tried to contact DLG Legal Services and can only say that I am frustrated and disappointed. Wait time is unacceptable and then it directs you to a Vodafone voice message. No welcome message, so this could be anyone's voicemail. I have no option to remove the cost of legal cover from my insurance package. This is a complete rip-off! Reviewed on: 4th October 2021

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