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Sainsburys Bank: Home insurance reviews

Name: Home insurance
Rating: 1.94 (102 reviews)

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1.69

Based on 102 reviews, last reviewed 6th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease 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.

Sainsburys Bank Home insurance reviews (102)

Review of the Sainsburys Bank, Home insurance:

Absolutely appalling on all levels.

Whatever you do, do not get insurance via Sainsburys Bank. They lie Say they'll cover you, then casually decide not to Hold onto your money fraudulantly Have an incapable customer service department All have a different opinion of their own T&Cs Have shocking relationships with their underwriters And waste huge proportions of your time. Despite having a question on their sign-up form of 'will you be undertaking building works', you selecting 'yes' and them congratulating you that they'll cover you and merrily taking your money in full. When you then call them to inform them the building works are starting, they then say they don't cover you. Annoying but not the end of the world as they say they'll refund you the remainder of your policy given they are unable to provide the insurance service for you, and you'll be waived the cancellation fee. Cheque is on it's way to you... happy days. SIX MONTHS & 10 x 1.5 hour phone calls later, (prepare for call wait times of 40 minutes each time with the same one ghastly song playing over and over) still no cheque, and no customer service representative has any idea of previous conversations. Nor any authority to do anything. Nor can they access the call recordings they supposedly use for training purposes. I can assure you the grand total of ZERO training occurs at Sainsburys Bank. They then cheekily write a letter saying they've decided to close the policy six months later but you must pay them £25 for the privilege and no refund. It's fraudulent, a process riddled with lies & total incompetence. I wish zero stars was an option . Reviewed on: 10th January 2022

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

Difficult to cancel and hidden costs

It’s very hard to cancel your policy you can’t do it on the app (feels like this is on purpose to make you put it off). And when you do get a hold of them on the phone they’ll ask your credit card details on the phone to charge you around £110 for cancellation etc madeup fees. Wouldn’t recommend them as they seem sneaky Reviewed on: 8th September 2021

VERY difficult to cancel policy

I have never been more frustrated in my life and having read Mr Fishers review I had exactly the same problem as him, but mine was for my car insurance, there is no option to not renew your policy, it tells you that you have to phone them, so you ring them and are left on the phone waiting for at least 1 hour, I will never go with this company again and I too will be complaining to the financial ombudsman. My advice would be to go elsewhere for your insurance. Reviewed on: 16th August 2021

Can't cancel auto-renewal

I got an email saying that my policy would auto-renew in 3 weeks time. I don't want to renew as I got a better policy with British Gas. I logged onto my account and there is no way to cancel the auto-renewal except by calling them. This is an increasing popular scam by all insurance companies who hope that you just won't bother shopping around and by making the cancellation process very difficult they hope that you won't bother. I will be complaining to the Financial Ombudsman about this shady practice. Reviewed on: 8th August 2021

Do not purchase this insurance

Do not purchase home insurance with Sainsbury’s I rarely write reviews but my experience with Sainsbury’s home insurance has been awful. Despite being with them for several years, I have not claimed but over the past year I have needed to claim twice - an outside water leak and electrical problems. Useless and dishonest phone and text assurances from contractors about the progress of the claim. Would not cover the water costs but it took 2 and a half months of constant chasing 2 contractors to establish this. On the second occasion, they failed to recognise that my insurance covered emergencies- made me pay £114 upfront for an emergency electrician who never arrived. Will not be renewing my claim next year even if it costs me more elsewhere and would strongly advise others to avoid Sainsbury’s home insurance. Reviewed on: 2nd August 2021

worst home ins everrrr

Beenb15 years a banker globally andman stay away frombsainsbury axa home ins...real,scoundrels, carpetbaggers...scalawags you. Will get nothing but pain!!!!they say yiur devices lrotected worldwide...but,mannnn youll have to go hell and back to get anyting Reviewed on: 16th December 2019

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