sainsbury's travel insurance policy document

Sainsbury's Bank Travel Insurance Review

Everything you need to know before you buy travel insurance from Sainsbury's Bank!

The experts say:

Sainsbury's Bank is a shining example of superior travel insurance! With a Platinum policy, it offers the highest score from Which?, an impressive 75%, and a Covid Cover rating of "Superior". You'll be covered for unlimited medical expenses and your baggage is protected with a generous £3000 cover. What's more, cancellation cover is also included as standard - up to £7500! And if that wasn't enough, Sainsbury's Bank even provides a 0 excess payble on medical claims, earning them a Fairer Finance Rating of 4 stars. With all this in mind, Sainsbury's Bank really is an excellent choice for your travel insurance.

What Sainsbury's Bank customers are saying right now:

• 🤩 Reliable and well-known travel insurance company
• 😃 Offers good customer service in most cases
• 🙂 Can provide financial assistance in some cases
• 😊 Offers a wide range of coverage options
• 🤗 Can help customers resolve issues quickly
• 🤬Sainsbury's Bank's customer service is dire, unhelpful, and unreliable.
• 🤯Claims are often denied for arbitrary reasons or take an excessively long time to process.
• 😡Misleading policy documents can lead to unexpected denials of claims.

Sainsbury's Bank customer reviews summary

Sainsbury's Bank travel insurance seems to be a nightmare for many customers, with reports of dire customer service, long wait times for claims processing, and difficulty getting in touch with the company. People have had to get together money for medical treatment due to the delays in processing their insurance claim. The policy documents are also allegedly misleading, giving false information about coverage. It comes as no surprise that people are advising against purchasing travel insurance through Sainsbury's Bank. On a scale of 1-10, Sainsbury's Bank travel insurance receives an abysmal score of 2 out of 10.

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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Sainsbury's Travel Insurance

Sainsbury's Travel Insurance Review and Quotes

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Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Sainsbury's is the right company to go on holidays with?

In this definitive Sainsbury's review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Sainsbury’s the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Sainsbury's travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,8 Safe overall rating for Sainsbury's

Sainsbury's travel insurance reviews by expert and consumers

To check if Sainsbury's is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Sainsbury’s travel insurance cover?

Sainsbury's travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

Sainsbury's Travel Insurance Policies are available for individuals, couples, groups and families.

Sainsbury's single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Sainsbury's:

Sainsbury's winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available at Sainsbury's and it comes with the following features and benefits:

• Available across 3 levels of cover: Silver, Gold and Platinum
• Age limit of 65 years
• Up to 24 days in one insurance period for Annual Multi Trip Policy
• Up to £1,000 for winter sports equipment that you own
• Up to £400 for winter sports equipment you hired
• Up to £300 to hire a replacement winter sports equipment
• Up to £400 piste closure cover
• Up to £400 ski pack cover
• Up to £500 avalanche or landslide cover
• Up to £500 physiotherapy cover in the UK.

What are the other travel insurance options available at Sainsbury's?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Sainsbury's before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Sainsbury’s travel insurance?

You'll find below indicative quotes per level of cover at Sainsbury's:

It is, however, quite difficult to give precise price ranges as Sainsbury's travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Sainsbury's?

Up to 20% discount offered to people who are already members of Nectar.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Sainsbury's.

What else should I know about Sainsbury’s travel insurance?

What are the general exclusions at sainsbury's travel insurance.

To be eligible for a travel insurance policy at Sainsbury's:

• You must be a resident of the UK
• You must be registered with a general practitioner
• Your trip must start and end in the UK
• You must be within the age limit of the insurance policy you're planning to purchase.

How do I get travel insurance quote from Sainsbury’s?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Sainsbury's is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Sainsbury’s website?

Through the customer portal, you can access details on your travel insurance policy as well as personal details.

You can log into the customer portal here

How to claim at Sainsbury’s travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Sainsbury’s travel insurance?

Sainsbury's contact phone numbers, sainsbury's other contact details, how to cancel your annual sainsbury’s travel insurance policy.

You will find below main information to cancel your travel insurance policy at Sainsbury's:

Our opinion on Sainsbury’s travel insurance

Sainsbury's Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Aside from the usual Single and Annual Multi Trip, Sainsbury's also offers Extended Stay Travel Insurance Policy that can be used by people looking to take a gap year or to travel around for a long time before returning home. Their policies are available across 3 levels of cover: Silver, Gold and Platinum.

Due to the 5 star rating on Defaqto and high customer satisfaction rate on Trust Pilot, we would recommend Sainsbury's Travel Insurance to anyone looking for an affordable and easy to manage travel insurance policy.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Cabin pressure: 1.4 million holidaymakers forget passports 

09 February 2019

Britons more likely to check holiday weather than travel documents  

British holidaymakers are routinely turning up at airports without their passports causing holiday headaches before they have even seen an inflight menu. 

A new study from Sainsbury’s Bank Travel Insurance reveals that 1.4 million (2) holidaymakers have forgotten their crucial travel documents before leaving the UK. In fact Britons admit they are more likely to check their holiday destination weather than their passport the week before they travel (64% vs 52%). Sainsbury’s Bank is urging holidaymakers to make sure they have all the relevant documents before they leave home as travel insurance policies do not typically cover forgotten passports.

A further 2.7 million (3) people have seen dream trips turn to disaster by missing flights at the start of their holiday. With the study finding 2.3 million (4) people also go away without travel insurance, holidaymakers need to spend time planning ahead to ensure their getaways get off to a flying start.

Holiday hazards lead to people feeling stressed (47%) and upset (31%) and one in 10 (11%) admitted they felt like they had ruined their holiday.

Preparation is key to minimising stress at the security gate. More than a third (36%) of people do as much online preparation as possible and prepare everything in advance (32%). And nearly one in 10 (8%) holidaymakers turn to calming activities such as meditation to combat travel trauma.  

Karen Hogg, Head of Insurance at Sainsbury’s Bank , said: “Holidays should mean a break from the stress of everyday life. Making sure you have all of your travel documents in place, and with you when you leave the house is as important as having good quality travel insurance in place.  It’s worth noting that insurers are unlikely to cover you if you’ve left your passport at home.

“With recent issues such as flight disruption at airports and adverse weather conditions in parts of Europe, you may want to ensure that your travel insurance policy provides disruption cover, particularly if you have connecting flights. We offer a range of insurance policies to cover different travel needs.”  

Students are guilty of leaving planning to the last minute and are most likely to miss flights and leave their travel documents behind (10%). Families typically make it to their destination stress-free but are more likely to leave valuables such as medicine and jewellery at home (8%).

Sainsbury’s Bank offers five top tips on travel preparation

• Schedule a diary reminder: Write on your wall calendar or put in a diary reminder in your phone to check all travel documents at least a couple of weeks before you travel. 
• Locate your passport: It’s easy to put your passport in a ‘safe place’ and forget where it is. Don’t get caught and check your passport before you pack your suitcase. Don’t forget many countries need a visa such as an ESTA if you’re going to the States and you will need to have at least six months remaining on your passport for many countries. If your passport is damaged you may also be refused travel.
• Check cover for travel disruption: Check your travel insurance policy covers for any unforeseen changes to your holiday plans, such as being unable to get home due to poor weather.
• Consider weather woes and more: Make sure you leave in plenty of time to get to the airport, especially in adverse weather conditions. You should also check if your travel insurance policy covers you missing a flight as a result. If you’re heading to the slopes this year, check your travel insurance has winter sports cover and also covers weather delays, road closures and lift passes.
• Create a checklist: Holidays can be stress-free with a good checklist. Create a to-do list at least a week before you travel so you don’t leave anything you need behind.

  Every holidaymaker should consider travel insurance before they go away and Sainsbury’s Bank offers Nectar card holders up to 20% discount on travel policies. Customers can find out more online at https://www.sainsburysbank.co.uk/insuring/ins_travelinsurance_trv , to get a quote and pick the right travel cover to suit them. 

For further information, please contact:

Sainsbury’s Bank press office 0131 286 0010 / [email protected]

Notes to editor:

This press release is information for journalists only and is not intended to be a promotion to be acted upon by consumers.

Rates and information correct at date of issue.

 (1) Sainsbury’s Bank commissioned Opinium Research to survey 2,002 nationally representative UK adults aged 18+ between 21 and 27 December 2018. Opinium Research is a member of the British Polling Council and abides by its rules.

(2) 1794 out of 2,002 respondents have been on holiday abroad. 53 of 1794 respondents have forgotten a passport (53 / 1794 = 3%) Multiplied by the percentage of Britons that go on holiday abroad which is 88% (88% of UK adult population = 45,829,520).  3% of 45,829,520= 1,374,886

(3)  103 of 1794 respondents have missed a flight (103 / 1794 = 6%) Multiplied by the percentage of Britons that go on holiday which is 88% (88% of UK adult population = 45,829,520).  6% of 45,829,520 = 2,749,771

(4)  87 of 1794 respondents have forgotten travel insurance (87 / 1794 = 5%) Multiplied by the percentage of Britons that go on holiday which is 88% (88% of UK adult population = 45,829,520).  5% of 45,829,520 = 2,291,476

Nectar points offer

• 20% discount applies when you quote a valid Nectar card number. Discount does not apply to the premium for pre-existing medical conditions or enhanced gadget cover. Offer may be altered or withdrawn at any time without prior notice.
• Sainsbury's Bank reserves the right to alter, cancel or withdraw this offer without prior notice. You won't be eligible if you buy through a price comparison website.

About Sainsbury’s Bank:

To view our latest press releases and product information, please visit the Sainsbury’s Bank online media centre at https://www.about.sainsburys.co.uk/news

Sainsbury's was the first major supermarket to open a bank in the UK in February 1997.  Our range of financial products includes mortgages, credit cards, savings and loans, as well as travel money, and car, home, pet, travel and life insurance which we provide online and by telephone.  We offer Sainsbury’s shoppers great deals and rewards for choosing to shop and bank with us.

We have travel money bureaux at various Sainsbury's supermarkets across the UK and a large ATM estate.

Sainsbury's Bank plc. Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Bank plc is covered by the Financial Services Compensation Scheme (FSCS).

Sainsbury’s Bank Travel Insurance is underwritten by ETI International Travel Protection.

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Sainsbury travel insurance.

Traveling can be an exciting and enriching experience, but there are always risks involved. From flight cancellations to lost luggage and medical emergencies, anything can happen. That’s why it’s important to have travel insurance to protect you and your belongings while you’re away. Sainsbury’s, one of the UK’s leading supermarkets, has a range of travel insurance policies to suit different needs and budgets.

What is Sainsbury Travel Insurance?

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance SE and offers single trip, annual multi-trip, and extended stay policies. These policies cover everything from medical expenses and personal accident to cancellation and curtailment, baggage and money, and travel delay. You can choose from three levels of cover: Bronze, Silver, and Gold, depending on your needs and budget. Sainsbury’s Bank also offers optional extras such as winter sports and golf cover.

What are the Benefits of Sainsbury Travel Insurance?

One of the main benefits of Sainsbury Travel Insurance is the peace of mind it provides. You can enjoy your trip knowing that you’re covered for any unforeseen circumstances. Other benefits include:

• 24/7 emergency assistance
• Cover for pre-existing medical conditions
• Discounts for Nectar cardholders
• No upper age limit on single trip policies
• Cover for a range of activities, including scuba diving and bungee jumping

How to Choose the Right Sainsbury Travel Insurance Policy

Choosing the right travel insurance policy can be overwhelming, but there are a few things to consider to help you make the right choice:

• Length of your trip – if you’re going on a one-off trip, a single trip policy may be more suitable. If you’re planning to travel multiple times a year, an annual multi-trip policy may be more cost-effective
• Destination – if you’re traveling to a country with high medical costs, you may want to consider a policy with higher medical cover
• Activities – if you’re planning on doing any high-risk activities, make sure they’re covered by your policy
• Age – some policies have age restrictions, so make sure you check before purchasing
• Excess – make sure you’re comfortable with the excess amount you’ll need to pay in the event of a claim

How to Buy Sainsbury Travel Insurance

Buying Sainsbury Travel Insurance is easy and can be done online or over the phone. You’ll need to provide some basic details such as your travel dates, destination, and personal information. You’ll then be presented with a range of policies to choose from. Make sure you read the policy documents carefully before purchasing, to ensure you’re getting the right cover for your needs.

How to Make a Claim with Sainsbury Travel Insurance

If something goes wrong during your trip and you need to make a claim, contact Sainsbury’s Bank as soon as possible. You’ll need to provide details of your policy and the incident, along with any supporting evidence such as medical reports or receipts. Sainsbury’s Bank will then assess your claim and let you know the outcome.

Sainsbury Travel Insurance offers a range of policies to suit different needs and budgets, providing peace of mind and protection while you’re traveling. Whether you’re going on a one-off trip or traveling multiple times a year, Sainsbury’s Bank has a policy that can cover you. Remember to choose the right policy for your needs, read the policy documents carefully, and make sure you know how to make a claim if something goes wrong.

Frequently Asked Questions (FAQs)

What does sainsbury travel insurance cover.

Sainsbury Travel Insurance covers a range of things including medical expenses, personal accident, cancellation and curtailment, baggage and money, and travel delay. You can choose from three levels of cover: Bronze, Silver, and Gold, depending on your needs and budget.

How do I make a claim with Sainsbury Travel Insurance?

If you need to make a claim, contact Sainsbury’s Bank as soon as possible. You’ll need to provide details of your policy and the incident, along with any supporting evidence such as medical reports or receipts. Sainsbury’s Bank will then assess your claim and let you know the outcome.

Can I buy Sainsbury Travel Insurance if I have a pre-existing medical condition?

Yes, you can still buy Sainsbury Travel Insurance if you have a pre-existing medical condition. You’ll need to declare it when you purchase your policy, and you may need to pay an additional premium.

What activities are covered by Sainsbury Travel Insurance?

Sainsbury Travel Insurance covers a range of activities, including scuba diving and bungee jumping. However, some activities may not be covered, so make sure you check the policy documents carefully.

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Sainsbury’s Travel Insurance Review

Links marked * are affiliate links..

In this Sainsbury’s Travel Insurance review, we’ll be taking a closer look at what the company has to offer you in the area of travel insurance.

We look at the kind of travel policies Sainsbury’s offer, checking what comes as standard with the policy and what you need to pay extra for. We’ll also look at any special offers the company have with regards to Nectar points.

Types of Travel Insurance Sainsbury’s Offer

As most of us know, supermarkets don’t just sell food anymore. These days they sell a range of other products and services, including financial products like Travel Insurance. But what kind of cover do Sainsbury’s offer and is it any good?

The first thing to note is that Sainsbury’s offer three different types of travel insurance cover. These are single trip, annual trip and extended stay. Let’s look at each in a little more detail.

Sainsbury’s Single Trip Travel Insurance

Sainsbury’s single trip cover does exactly what it says on the tin, in that it provides cover for one trip during the year. 

It’s possible to get cover just for yourself or you can also get it for your partner, family or even for a group of people. You can also specify what area of the world you will need the cover for. It could be the UK, Europe or the rest of the world. This may help you to save money on your quote.

To provide cover for people of all budgets, Sainsbury’s have three different levels of cover you can choose from. The cover levels offered are Silver Cover, Gold Cover and Platinum Cover. 

Some of the key benefits that come as standard with the single trip policy are things like medical emergency expenses, cancellation costs, personal baggage cover, personal accident cover, gadget cover, personal money, mugging cover, end supplier failure and travel disruption. 

The level of cover you opt for – Silver, Gold or Platinum – will decide the financial limits for each event which may occur. For an in-depth look please see the chart below. 

There are also optional benefits which you can add to a policy for an extra cost. These include enhanced gadget cover, golf cover, wedding cover, cruise cover, winter sports cover and a vehicle hire excess waiver. You can again see details of the levels of cover involved on the chart below. 

The good thing about having these policy benefits as add-ons – rather than as standard in the policy – is that it can save you money by not paying for things you don’t need.

There is no upper age limit with the Sainsbury’s single trip cover. 

If you’re a Nectar card holder then you can get 20% off when you get an online quote.

Sainsbury’s Annual Trip Cover

If you plan to take more than one trip this year, then Sainsbury’s annual multi-trip cover may be a good solution for you. 

Annual trip cover could help you to save time and money by not having to sort out separate policies for each trip you take. 

There are no limits to the amount of trips you can take in a year with a Sainsbury’s Annual trip policy. That being said, each trip will be limited to 92 days in length (if you opt for platinum cover).

Again, there are 3 different levels of cover you can take out. These are Silver, Gold and Platinum cover. Each of these levels of cover comes with different monetary limits on the amount you can claim for each eventuality.

Sainsbury’s top level of cover – their platinum cover – offers unlimited medical emergency expenses. It also comes with up to:

• £7,500 of cover for the cancellation of your trip
• £3,000 personal baggage cover
• £50,000 personal accident cover
• £750 of gadget cover
• £750 for personal money
• £500 mugging cover
• £2500 end supplier failure cover
• £7,500 for travel disruption

Optional benefits you can add to Sainsbury’s annual trip cover include:

• enhanced gadget cover
• wedding cover
• winter sports cover
• vehicle hire excess waiver

Obviously these will come at an extra cost.

Sainsbury’s Extended Stay Cover

Finally, let’s look at Sainsbury’s Extended Stay cover.

Up until now the cover options we’ve looked at have only covered trips of up to 92 days. This has also been dependant on which level of cover you are interested in.

Sainsbury’s Extended Stay Cover covers you for trips of up to 548 days with Platinum cover or 365 days with Silver or Gold cover. This can be great if you’re thinking about taking a year out to go travelling or something similar.

The image below outlines the claim limits for each level of cover. Again, you can get up to 20% off an online quote if you’re a Nectar Card holder.

Extra Benefits for Nectar Card Holders 

You’ll already know from reading this review that Nectar Card holders can get up to 20% off when they get a quote online for Sainsbury’s Travel Insurance. 

There is another benefit available for Nectar Card holders, though. This comes in the form of a points boost! Sainsbury’s are currently offering double Nectar Points on any shopping or fuel you buy at Sainsbury’s when you take out an annual travel insurance policy with them.  

As we can see, Sainsbury’s offer a broad range of cover options with their Travel Insurance policies. You can choose from Silver, Gold or Platinum cover, meaning there is a choice for all budgets. They also let you choose from a range of optional extras from winter sports cover to enhanced gadget cover, meaning you only pay for the policy benefits you need. 

On top of this, Nectar Card holders can get up to 20% off when they get a quote online. They also get double points on their Sainsbury’s shopping and fuel all year when they take out an annual policy.    

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DON'T BUY SAINSBURY'S TRAVEL INSURANCE.

DON'T BUY SAINSBURY'S TRAVEL INSURANCE. In March I booked my holiday. My flight was cancelled without any notice. I contacted insurance. They are still asking millions of questions.Then ask me to send document.I send 2 time all document and photo.they send me email and hi told me your traveling insurance not showing in system and while refund your money. This company is fraud don't buy Sainsbury's traveling insurance.

Date of experience : May 28, 2024

The worst insurance out there. Stay away!!

Bad, inhumane and robotic service at Sainsbury's Home Insurance It is a shame that I cannot give half a star. The only service they provided was picking up the phone after multiple attempts and persistent request to pay for a penalty for a direct-debit debacle. The only excellent service came when I decided to cancel my insurance. It appears that the workers are happy for the clients to go elsewhere, so they only reiterate words on the website about the insurance. There is no room for any humane exchange and attempts to understand the policy holders. Note, I was not making a claim. I was only attempting to resolve an issue with the direct debit from by bank which resulted in an unsuccessful direct debit to sainsbury's insurance. In this same month, the same thing happened with other companies, including EE and none of them automatically applied a penalty. The other companies only attempted again at a later date and it worked. Sainsbury's should focus on selling groceries, which is what they are good at. The worst service ever to a policy holder who has never made a claim in 5 years.

Date of experience : June 12, 2024

Please do not use Sainsbury’s Bank…

Please do not use Sainsbury’s Bank Travel insurance. My son had a terrible accident whilst abroad and the hospital he was taken to by ambulance would not touch his insurance as they say that the insurance company currently apparently owe them over £300,000. I really don’t want anyone else to go through a similar experience. There are 3 UK companies they will not touch for this reason. I had to fly out and took out insurance with Avanti. The hospital said that if anything happened to me whilst there, I would be covered as Avanti are good.

Date of experience : May 05, 2024

Sainsburys travel insurance was taken…

Sainsburys travel insurance was taken out for our holiday to Amsterdam last September, we had to cancel this as both went down with Covid. These are underwritten and claims handlers are Great Lakes and CSA We were refused a claim twice, they said the first time we weren’t covered for covid. The second time they told us we didn’t provide a certificate to say we couldn’t travel. Even though we’d passed on details of our gp to the insurance co. as they said they didn’t give out certificates for covid anymore. They said they could write to them. We’d provided photos of our positive covid tests in front of the time and date on our computer. Anyway, wanted to give people a heads up that we took our plight to the Financial Ombudsman and we’ve just found out we’ve won our case. So the insurance company has to pay us plus interest. So don’t give up!

Date of experience : September 07, 2023

How can they even think of sending an email like this?

I still can't believe that I received this renewal quote (Car Insurance) from Sainsbury Bank but there it was in an email nonchalantly and in a way that they seemed proud of themselves telling me that my renewal cost will be a total price £836.32 and reminded me that last year's total price was £267.70. FYI, I've not made any motor claims for 20+ years. That's an extortionate increase of 312%!!! Disgusting and downright criminal!!

Date of experience : December 30, 2023

DON'T BUY SAINSBURY'S TRAVEL…

DON'T BUY SAINSBURY'S TRAVEL INSURANCE. In June I booked my holiday. My flight was cancelled without any notice. I contacted insurance. They are still asking millions of questions. 6 moths gone nothing happened. Wasting my time. Now I contacting the Financial Ombudsman.

Date of experience : July 12, 2023

Fantastic service

Exchange Bureau Milton Keynes. Good exchange rates and really friendly staff. Unlike many places, greeted with a smile and they are more than happy to give smaller denominations unlike John Lewis, Waitrose etc. Will definitely use again.

Date of experience : December 16, 2023

Stay well clear

Stay well clear. My wife's phone got stolen while abroad. We couldn't register an account on the portal and had to argue with a CS person to get them to help me. Once logged in, the portal had incorrect contact information for filing a gadget claim. I then discovered gadget insurance is outsourced to Taurus who are an absolute circus when we finally managed to contact them. A phone is pretty much an essential part of life these days. If it gets lost/stolen abroad and you are insured by Sainsbury's/Taurus, you will be waiting 2+ weeks for a replacement - Minimum! Urge you to look elsewhere.

Date of experience : November 12, 2023

Most appalling service and claims process…

Most appalling service and claims handling i have ever experienced. Ryanair are faster at paying out, and that's saying something. Sainsbury's have outsourced all claim handling to a 3rd party .. CSA Ltd claim handling .. they have a 3 week turn around on literally any email exchange, so a simple 1 item clarification resets the clock .. im now at 6 weeks .. and they also tried to weasel out of the delay payment saying it wasn't delayed for 12 hours ! .. Boarding cards submitted , clock started yet again on 3 week SLA ... Sainsbury's brand image ruined for me, and will never buy their insurance for travel, car or shop in their supermarket again - Truly appalling for what should be a premium brand! Sainsbury's CEO you need to get this outsource off your books and reign in the appalling service!

Date of experience : December 28, 2023

It should be zero stars

It should be zero stars, but it won't offer that choice! I only wish i had read some of the reviews here before purchasing Sainsburys annual travel insurance. They say you can only judge an insurance company when you have to make a claim, well that’s where the zero stars come in! To get any regular reliable correspondence from these is at best impossible. I got asked to send three sets of information, once sent then I got asked for another batch of information [different from the first email]. These two emails took about a month to get through to me, since then “nothing”! I have sent numerous emails and have yet to have a reply, I have now given up and will never use or recommend Sainsburys travel insurance to anyone. This is the shortened version as I can’t be bothered to write everything down as it would take up too much time and space.

Date of experience : February 26, 2024

Had no issues claiming back

Whilst abroad I had painful toothache, after getting a quick dentist appointment I was told I needed a crown fitted. I made sure to call Sainsbury's Travel Insurance to make sure a) I was covered and b) what they needed to support a claim. After having the surgery, the dentist wrote the note detailing the issue and what I had done and I supplied this to Sainsbury's. It took around 1 month to get the money back but they paid with zero hassle. Really can't complain.

Date of experience : November 18, 2022

Absolute BS! Don't insure with Sainsbury's

Absolute BS! Put in a claim, and I had to do submit a form via email to another insurance company which site doesn't work. I tried calling Sainsbury's bank and keep getting referred to the online portal which doesn't help at all. I now emailed them hoping to get a response. If I don't hear back about my claim in the next week I'm going to the ombudsman and small claims court

Date of experience : August 24, 2023

Avoid this company at all costs!

Non-existent Insurance & Abysmal Customer Service! I waited nearly two months for a response to my claim. After weeks of relentless follow-ups, I received nothing but false promises. It turns out the travel insurance offered by this company is nothing more than a waste of money and time. My flight was abruptly cancelled by the airline just a few hours before departure at 2am on a bank holiday. This left us stranded in a foreign country. Shockingly, the so-called 'cancelled flight' and 'delayed flight' policies were nothing but smoke and mirrors. Avoid this company at all costs! The combination of non-existent insurance coverage and terrible customer service is utterly unacceptable.

Date of experience : October 18, 2023

Very poor - AVOID Sainsbury's Bank Travel Insurance

Very poor - their Settlement Claims Agency is a scam. Bad decision on Sainsbury's Bank to ruin a trusted brand with an ineffective claims company. Email response time 6 weeks. Keep asking for the same information every time. Do me a favour, Sainsbury's Bank, and get CSA to pay up for a trip cut short because an airline cancelled flights on me at the airport. I've been waiting for 7 months. Disgusting.

Date of experience : November 20, 2022

Complete shambles of a renewal…

Complete shambles of a renewal process... Didn't send out renewal reminder or price. I phoned and automated message said long wait and go to live chat.45 mins later they answered and sent the renewal but WITHOUT pre-existing conditions included. 45 min wait again for live chat only to be told you need to speak on the phone and RE_ENTER the pre existing....but I already gave you that last year. AND WHAT USE IS A RENEWAL QUOTE WITHOUT PRE-EXISTING CONDITIONS Wasted 45 mins x 2 of my life and their staff time....and I still have not got a renewal quote ! LAUGHABLY BAD.

Date of experience : January 24, 2024

Non existing customer services!

Non existing customer services! Only wanted to amend travel details and after an hours wait they still spelt my daughters 3 letter name incorrectly after spelling it out 3 times. Won't use again.

Date of experience : January 05, 2024

AVOID AT ALL COST

My daughter was stuck in Frankfurt after her flight was cancelled to Bogota with a 23hr delay - Called Sainsburys about 15 times - a nightmare to get hold of and no-one could tell us what was covered if she had to book different flight and what her options are. none of the departments could 'offer advice' on what her rights were. And apparently they only cover flights in and out of the country not the whole trip if you are getting connecting flights. How stupid is that what is the point of insurance? over 40mins to get through to the claims - gave up in the end and just changed the flights hoping for the best.

Date of experience : October 02, 2023

Easy refund procedure…

Took out Sainsbury’s Travel insurance and then realised I did not need it so soon. They allow you to cancel within 14 days for full refund unless insurance has been used. Process could not have been easier entered details requested and received an E mail confirmation that the refund had been accepted that same day.

Date of experience : September 06, 2023

Sainsburys insurance are a disgrace.

Sainsburys insurance are a disgrace. We paid for holiday cover, which included Covid and I have this in the key facts document. So when we had to cancel because my wife couldn't get out of bed I was reasurre that I had the insurance. NO! Because we cancelled the day before and the trip hadn't "started" they won't pay out, despite me calling to check before we cancelled and they said we were fine. It's just underhanded. They passed the claim to an administrator who initially asked for my bank details to make payment then inexplicably changed their minds and are now refusing to pay. Why would a massive brand like Sainsburys act like this, it does nothing for their reputation, a reputation that initially made me take out the policy in the first place. Awful, awful people. Avoid at all costs.

Date of experience : November 14, 2023

Please STAY well clear of taking…

Please STAY well clear of taking Sainsbury’s travel insurance started. Claim on January 5th this year and still no acknowledge of my case number after contacting them Now 5 times . I do understand it’s not Sainsbury’s as they use a 3rd party gb uk claims it’s called which is a huge insurance company this is outrages . I had to pay out thousands for my hospital cover whilst on holiday and now out of pocket still 3 months down the line . I would not give any star rating

Date of experience : March 19, 2023

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DON'T BUY SAINSBURY'S TRAVEL INSURANCE.

DON'T BUY SAINSBURY'S TRAVEL INSURANCE. In March I booked my holiday. My flight was cancelled without any notice. I contacted insurance. They are still asking millions of questions.Then ask me to send document.I send 2 time all document and photo.they send me email and hi told me your traveling insurance not showing in system and while refund your money. This company is fraud don't buy Sainsbury's traveling insurance.

Date of experience : 28 May 2024

The worst insurance out there. Stay away!!

Bad, inhumane and robotic service at Sainsbury's Home Insurance It is a shame that I cannot give half a star. The only service they provided was picking up the phone after multiple attempts and persistent request to pay for a penalty for a direct-debit debacle. The only excellent service came when I decided to cancel my insurance. It appears that the workers are happy for the clients to go elsewhere, so they only reiterate words on the website about the insurance. There is no room for any humane exchange and attempts to understand the policy holders. Note, I was not making a claim. I was only attempting to resolve an issue with the direct debit from by bank which resulted in an unsuccessful direct debit to sainsbury's insurance. In this same month, the same thing happened with other companies, including EE and none of them automatically applied a penalty. The other companies only attempted again at a later date and it worked. Sainsbury's should focus on selling groceries, which is what they are good at. The worst service ever to a policy holder who has never made a claim in 5 years.

Date of experience : 12 June 2024

Please do not use Sainsbury’s Bank…

Please do not use Sainsbury’s Bank Travel insurance. My son had a terrible accident whilst abroad and the hospital he was taken to by ambulance would not touch his insurance as they say that the insurance company currently apparently owe them over £300,000. I really don’t want anyone else to go through a similar experience. There are 3 UK companies they will not touch for this reason. I had to fly out and took out insurance with Avanti. The hospital said that if anything happened to me whilst there, I would be covered as Avanti are good.

Date of experience : 05 May 2024

Sainsburys travel insurance was taken…

Sainsburys travel insurance was taken out for our holiday to Amsterdam last September, we had to cancel this as both went down with Covid. These are underwritten and claims handlers are Great Lakes and CSA We were refused a claim twice, they said the first time we weren’t covered for covid. The second time they told us we didn’t provide a certificate to say we couldn’t travel. Even though we’d passed on details of our gp to the insurance co. as they said they didn’t give out certificates for covid anymore. They said they could write to them. We’d provided photos of our positive covid tests in front of the time and date on our computer. Anyway, wanted to give people a heads up that we took our plight to the Financial Ombudsman and we’ve just found out we’ve won our case. So the insurance company has to pay us plus interest. So don’t give up!

Date of experience : 07 September 2023

How can they even think of sending an email like this?

I still can't believe that I received this renewal quote (Car Insurance) from Sainsbury Bank but there it was in an email nonchalantly and in a way that they seemed proud of themselves telling me that my renewal cost will be a total price £836.32 and reminded me that last year's total price was £267.70. FYI, I've not made any motor claims for 20+ years. That's an extortionate increase of 312%!!! Disgusting and downright criminal!!

Date of experience : 30 December 2023

DON'T BUY SAINSBURY'S TRAVEL…

DON'T BUY SAINSBURY'S TRAVEL INSURANCE. In June I booked my holiday. My flight was cancelled without any notice. I contacted insurance. They are still asking millions of questions. 6 moths gone nothing happened. Wasting my time. Now I contacting the Financial Ombudsman.

Date of experience : 12 July 2023

Fantastic service

Exchange Bureau Milton Keynes. Good exchange rates and really friendly staff. Unlike many places, greeted with a smile and they are more than happy to give smaller denominations unlike John Lewis, Waitrose etc. Will definitely use again.

Date of experience : 16 December 2023

Stay well clear

Stay well clear. My wife's phone got stolen while abroad. We couldn't register an account on the portal and had to argue with a CS person to get them to help me. Once logged in, the portal had incorrect contact information for filing a gadget claim. I then discovered gadget insurance is outsourced to Taurus who are an absolute circus when we finally managed to contact them. A phone is pretty much an essential part of life these days. If it gets lost/stolen abroad and you are insured by Sainsbury's/Taurus, you will be waiting 2+ weeks for a replacement - Minimum! Urge you to look elsewhere.

Date of experience : 12 November 2023

Most appalling service and claims process…

Most appalling service and claims handling i have ever experienced. Ryanair are faster at paying out, and that's saying something. Sainsbury's have outsourced all claim handling to a 3rd party .. CSA Ltd claim handling .. they have a 3 week turn around on literally any email exchange, so a simple 1 item clarification resets the clock .. im now at 6 weeks .. and they also tried to weasel out of the delay payment saying it wasn't delayed for 12 hours ! .. Boarding cards submitted , clock started yet again on 3 week SLA ... Sainsbury's brand image ruined for me, and will never buy their insurance for travel, car or shop in their supermarket again - Truly appalling for what should be a premium brand! Sainsbury's CEO you need to get this outsource off your books and reign in the appalling service!

Date of experience : 28 December 2023

It should be zero stars

It should be zero stars, but it won't offer that choice! I only wish i had read some of the reviews here before purchasing Sainsburys annual travel insurance. They say you can only judge an insurance company when you have to make a claim, well that’s where the zero stars come in! To get any regular reliable correspondence from these is at best impossible. I got asked to send three sets of information, once sent then I got asked for another batch of information [different from the first email]. These two emails took about a month to get through to me, since then “nothing”! I have sent numerous emails and have yet to have a reply, I have now given up and will never use or recommend Sainsburys travel insurance to anyone. This is the shortened version as I can’t be bothered to write everything down as it would take up too much time and space.

Date of experience : 26 February 2024

Had no issues claiming back

Whilst abroad I had painful toothache, after getting a quick dentist appointment I was told I needed a crown fitted. I made sure to call Sainsbury's Travel Insurance to make sure a) I was covered and b) what they needed to support a claim. After having the surgery, the dentist wrote the note detailing the issue and what I had done and I supplied this to Sainsbury's. It took around 1 month to get the money back but they paid with zero hassle. Really can't complain.

Date of experience : 18 November 2022

Absolute BS! Don't insure with Sainsbury's

Absolute BS! Put in a claim, and I had to do submit a form via email to another insurance company which site doesn't work. I tried calling Sainsbury's bank and keep getting referred to the online portal which doesn't help at all. I now emailed them hoping to get a response. If I don't hear back about my claim in the next week I'm going to the ombudsman and small claims court

Date of experience : 24 August 2023

Avoid this company at all costs!

Non-existent Insurance & Abysmal Customer Service! I waited nearly two months for a response to my claim. After weeks of relentless follow-ups, I received nothing but false promises. It turns out the travel insurance offered by this company is nothing more than a waste of money and time. My flight was abruptly cancelled by the airline just a few hours before departure at 2am on a bank holiday. This left us stranded in a foreign country. Shockingly, the so-called 'cancelled flight' and 'delayed flight' policies were nothing but smoke and mirrors. Avoid this company at all costs! The combination of non-existent insurance coverage and terrible customer service is utterly unacceptable.

Date of experience : 18 October 2023

Very poor - AVOID Sainsbury's Bank Travel Insurance

Very poor - their Settlement Claims Agency is a scam. Bad decision on Sainsbury's Bank to ruin a trusted brand with an ineffective claims company. Email response time 6 weeks. Keep asking for the same information every time. Do me a favour, Sainsbury's Bank, and get CSA to pay up for a trip cut short because an airline cancelled flights on me at the airport. I've been waiting for 7 months. Disgusting.

Date of experience : 20 November 2022

Complete shambles of a renewal…

Complete shambles of a renewal process... Didn't send out renewal reminder or price. I phoned and automated message said long wait and go to live chat.45 mins later they answered and sent the renewal but WITHOUT pre-existing conditions included. 45 min wait again for live chat only to be told you need to speak on the phone and RE_ENTER the pre existing....but I already gave you that last year. AND WHAT USE IS A RENEWAL QUOTE WITHOUT PRE-EXISTING CONDITIONS Wasted 45 mins x 2 of my life and their staff time....and I still have not got a renewal quote ! LAUGHABLY BAD.

Date of experience : 24 January 2024

Non existing customer services!

Non existing customer services! Only wanted to amend travel details and after an hours wait they still spelt my daughters 3 letter name incorrectly after spelling it out 3 times. Won't use again.

Date of experience : 05 January 2024

AVOID AT ALL COST

My daughter was stuck in Frankfurt after her flight was cancelled to Bogota with a 23hr delay - Called Sainsburys about 15 times - a nightmare to get hold of and no-one could tell us what was covered if she had to book different flight and what her options are. none of the departments could 'offer advice' on what her rights were. And apparently they only cover flights in and out of the country not the whole trip if you are getting connecting flights. How stupid is that what is the point of insurance? over 40mins to get through to the claims - gave up in the end and just changed the flights hoping for the best.

Date of experience : 02 October 2023

Easy refund procedure…

Took out Sainsbury’s Travel insurance and then realised I did not need it so soon. They allow you to cancel within 14 days for full refund unless insurance has been used. Process could not have been easier entered details requested and received an E mail confirmation that the refund had been accepted that same day.

Date of experience : 06 September 2023

Sainsburys insurance are a disgrace.

Sainsburys insurance are a disgrace. We paid for holiday cover, which included Covid and I have this in the key facts document. So when we had to cancel because my wife couldn't get out of bed I was reasurre that I had the insurance. NO! Because we cancelled the day before and the trip hadn't "started" they won't pay out, despite me calling to check before we cancelled and they said we were fine. It's just underhanded. They passed the claim to an administrator who initially asked for my bank details to make payment then inexplicably changed their minds and are now refusing to pay. Why would a massive brand like Sainsburys act like this, it does nothing for their reputation, a reputation that initially made me take out the policy in the first place. Awful, awful people. Avoid at all costs.

Date of experience : 14 November 2023

Please STAY well clear of taking…

Please STAY well clear of taking Sainsbury’s travel insurance started. Claim on January 5th this year and still no acknowledge of my case number after contacting them Now 5 times . I do understand it’s not Sainsbury’s as they use a 3rd party gb uk claims it’s called which is a huge insurance company this is outrages . I had to pay out thousands for my hospital cover whilst on holiday and now out of pocket still 3 months down the line . I would not give any star rating

Date of experience : 19 March 2023

Sainsburys Travel Insurance Review

Marvin's low-down on Travel Insurance from Sainsburys

The experts say:

Sainsbury’s Bank is quickly becoming a leader in the travel insurance industry with their Platinum policy. With a Which? score of 75%, Sainsbury’s Bank has earned a solid ranking of 20 out of 71 providers and has been awarded the highest Covid Cover rating of Superior.The policy offers unlimited medical expenses cover, airline failure cover as standard, baggage cover up to £3000 and cancellation cover up to £7500, not to mention an impressive 0 excess payable on medical claims. It is no wonder that Fairer Finance has awarded the policy 4 stars - this is definitely an insurance provider worth considering for your next trip abroad.

What Sainsburys customers are saying right now:

• 🤩 Positive attitude of customer service staff
• 😊 Fast response to queries and issues
• 🙂 Comprehensive coverage and benefits
• 🤗 Easy to understand policy documents
• 🤝 Prompt payment of valid claims
• 🤯 Sainsbury's travel insurance is unreliable, unhelpful and slow in processing claims.
• 😡 Customers have found their policy documents to be misleading and inaccurate.
• 🤬 Their customer service is non-existent or difficult to reach.

Sainsburys customer reviews summary

Sainsburys' travel insurance has been met with a wave of disappointment from customers, many of whom have experienced lengthy delays and unhelpful customer service when trying to make a claim. From the reviews, it's clear that the company's policies are misleading, and that their customer service is inadequate and unresponsive. Sainsburys' travel insurance is not something to be trusted - it scores 0/10.

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To view the correct policy booklet for Sainsbury’s Bank Essentials, Standard or Plus Car Insurance, please select the relevant link below. For specific details of your own cover, please refer to your policy documentation.

My policy started on or after 03/06/2024 or has a renewal date on or after 25/06/2024:

My policy had a start date between 29/11/2023 and 02/06/2024, or had a renewal date between 29/11/2023 and 24/06/2024:, my policy had a start date or a renewal date before 29/11/2023:.

To view the correct policy booklet for Sainsbury’s Bank Essentials, Standard or Plus Car Insurance optional extras, please select the relevant link below. For specific details of your own cover, please refer to your policy documentation.

Our optional extras include:

• Motor Legal Protection
• Windscreen Cover (Third Party, Fire and Theft)
• Guaranteed Courtesy Car
• RAC Breakdown Cover

My policy had a start date between 29/11/2023 and 2/06/2024, or had a renewal date between 29/11/2023 and 24/06/2024:

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