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A little something extra

If you're taking out car insurance with us for the first time, we'll help you make your budget go that bit further:

  • Save £3.50 on fuel a month for one year*
  • Double Nectar points on your Sainsbury's shopping and fuel for up to two years – just quote and buy direct from us.†
  • Guaranteed discount for Nectar card holders‡

See our offers page for more details.

For the cover you need – boot to bonnet

We understand that everyone's lives are different and you're not just driving from A to B, you might be driving from athletics to ballet. Which is why we listened to you, our Sainsbury's shoppers, and shaped our car insurance around your needs.

You can buy our Comprehensive or Third Party, Fire and Theft cover, or to get more mileage add some of our optional extras for an additional cost – just choose what's right for you. If you need some help then we have lots of guides you can call upon, from a guide to car insurance excesses to what to do if you have an accident.

Here are just some of the things you could get when you buy a policy:

  • Courtesy Car – as standard, with Comprehensive Cover, you'll get a small hatchback when you make a claim and your car is being repaired by one of your insurer's nominated repairers. If that's not big enough, you can upgrade to get a car that is a similar size to yours by adding our enhanced Guaranteed Courtesy Car for an extra cost.
  • Windscreen Cover – comes as standard with our Comprehensive Cover or you can add Windscreen Cover to our Third Party, Fire and Theft cover for an extra cost.
  • No Claims Discount – get a discount on your insurance for every year you are claim free. Built up 4+ years without claiming? You can add our No Claims Discount Protection for an extra cost.
  • European cover – take your car insurance on holiday with you and enjoy the same insurance benefits you do in the UK. Want to take your breakdown cover too? You can add RAC European Breakdown cover for an additional cost.
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Not got a Nectar card?

It's free and you can get a Nectar card number straight away at nectar.com, allowing you to get our extra perks. Just enter your Nectar card number when you're asked to. With your Nectar card you can also collect and spend Nectar points at Sainsbury's and with lots of other brands.

Get a car insurance quote

Fill in your details and we’ll give you the best price from our carefully selected range of insurers

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Add some extras

Get more mileage from your policy with our added extras

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Got a question?

Get answers to our most commonly asked questions and browse our handy guides

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Terms and conditions

*Money off fuel each month for a whole year. (12 x £3.50 dated coupons to spend on fuel). This introductory offer is available to customers who buy a new Sainsbury's Bank Car Insurance policy. To get this offer, visit the Sainsbury's Bank website (sainsburysbank.co.uk/car) or phone us to get a quote and buy your car insurance policy. Offer is 12 x £3.50 coupons with varying validity dates over a 12 month period. Coupons are only valid for spend on fuel within manned Sainsbury's Petrol Stations until their expiry date, which can be found on each coupon. Coupons cannot be used in Livingston, Hawick and Whitehouse Farm Petrol Stations or in any Sainsbury's supermarkets. All coupons will be issued up to 60 days after the policy start date unless your policy is cancelled within this period. Duplicate coupons will not be issued, for example if they are lost or damaged. We will send the coupons to the address you provided when you took out your policy. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer at any time and without prior notice. No cash alternative available.

†Double Nectar points. 1. Offer only available to customers who buy a new Sainsbury's Bank Car Insurance policy direct from Sainsbury's Bank 2. You must continue to pay policy premiums for two years to continue collecting double points. 3. If the policy is cancelled, double points will stop from the cancellation date. 4. Only the first Sainsbury's Bank Car Insurance policy registered against a Nectar account will qualify for double points. 5. You must give us your Nectar card number to be able to collect double Nectar points. If you give us your Nectar card number after you take out an insurance policy, we cannot back date double Nectar points. Points will start to be calculated from the date you give us your Nectar card number. 6. You collect base points when you shop as normal. Then, by the 10th of each month, we'll give you a bonus equal to the total of the base points you collected the previous month while you held the policy, up to a maximum of 1,250 points. We'll do this for up to 24 months from the start date of your policy. We won't double any bonus points, any points from other offers, or points from Sainsbury's Energy, Telecoms, Bank and all other Sainsbury's services. 7. The monthly bonus will only be calculated on, and credited to the Nectar card you give us. The same Nectar card must also be used each time you make a Sainsbury's purchase. 8. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com 9. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice. 10. No cash alternative available.

‡Guaranteed discount for Nectar card holders: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarkets and Sainsbury's Bank using your Nectar card. For more information go to sainsburysbank.co.uk/nectar


Compare Car Insurance Quotes Online with Quotezone.co.uk

With Quotezone you can compare car insurance quotes from over 100 UK insurance providers in one go.

Whether you’re looking for classic car insurance, cheap car insurance for your hatchback, an affordable quick insurance quote for your SUV, or a good family car insurance policy, Quotezone may be able to help you find a great deal. Our UK insurance panel provides insurance for a range of different cars.

Quotezone’s simple one-two-three quote system can help you find a quick car insurance quote - just tell us about your car, yourself, and what type of cover you want, and we could provide you with dozens of quotes in just a few minutes! We could help find great deals for almost anyone including over 50s, young drivers, women and learner drivers and for a range of vehicles including classic cars, performance cars, and modified cars.

Your resulting quotes are shown from cheapest to most expensive, with information on what’s included in the policy. Things like voluntary and compulsory excess, windscreen cover, monthly payments (some with deposits and some with no deposit), and any special offers, are displayed in a list for you to review. You can get more information on every quote, and buy your preferred policy directly online or by phone.

Your quotes are saved in your own Personal Quote Centre where you can review them at any time. Your details are remembered so you can get new car insurance quotes instantly. From your Personal Quote Centre you can also compare quotes for a wide range of different insurance types.

Quotezone is entirely free to use and we’re a totally independent and impartial insurance comparison site. So far over 3 million people have compared insurance with Quotezone Join them today complete a quick insurance quote and see if we could help save you money on your car insurance!

If you are a Polish national residing in the UK, Quotezone could help you find a better deal on your UK car insurance: Ubezpieczenie Samochodu

Car Insurance Guide

Most kinds of insurance are optional, but car insurance is one of the few that is required by law. If a car is driven on the road, it must have car insurance according to UK law. The only exception is if a car has a Statutory Off-Road Notice, which means that by law the car can’t be driven on the road, but also doesn’t require insurance.

Types of Car Insurance

UK car insurance comes in three main categories:

Third party: This is the minimum legal requirement for car insurance. It’s a basic form of insurance that covers the costs of any damage incurred while driving. For example, if a driver is in an accident with another car, the at-fault driver is liable for damage to the other person’s car, and for any medical expenses they incur as a result of the accident. Note, however, that the insurance does not cover the costs of damage to the car belonging to the driver who is deemed at fault.

Third party, fire, and theft: This is similar to third party insurance, but also covers the cost of replacing a car if it’s stolen or damaged in a fire.

Comprehensive cover: Provides everything as above, but also covers costs for repairing the car belonging to an at-fault driver.

Depending on the insurer and the policy, the driver may be covered when driving other cars, including hired cars. Some policies also allow the policyholder to name other drivers to be covered when driving their car.

Special Coverage

Car insurance providers offer coverage for a wide range of special groups, including older and younger drivers and others. For example:

  • Younger drivers typically pay higher premiums, because this demographic tends to get in more accidents. As a result, for drivers under 25 it may be worthwhile to get a policy targeted to this age group.
  • Older drivers over the age of 50 may also benefit from getting a specialist policy.
  • Poor driving record: It’s typically difficult for people with poor driving records, to get affordable insurance. Choosing a specialist insurance provider can help with this.
  • Business and commercial drivers typically need specialist insurance.

Optional Extras

These options add convenience, but will increase the cost of insurance:

  • Breakdown cover provides roadside assistance when the policyowner’s car breaks down.
  • Legal expenses are covered if they arise as a result of compensation claims made as a result of a vehicle-related accident.
  • Windscreen cover is typically included in comprehensive policies but can be purchased as an add on for third party cover.

Car Insurance Groups

Car insurance groups are what insurance providers use to determine a driver’s basic premium level. Insurance groups are numbered from 1 to 50, and each make and model of car is categorised into a specific group based on a wide range of factors. The lower a car’s group, the lower the driver’s premiums tend to be. Factors that affect the group a car is in could include its price, performance level, the cost and availability of spare parts, and the average time required for repairs.

Comparing Policies

In order to compare car insurance online, it could be good to look at a number of different factors to get the best prices and the best level of coverage. A person could start by comparing like with like, as well as comparing different kinds of policies. For example, comparing third party policies from various insurers, and also comparing the different policy levels offered by the same insurer. Making the comparison this way may make it easy to see what the best deals are. Sometimes, depending on the car the driver’s personal circumstances, comprehensive cover might be almost as cheap as third party insurance.

Minimising Premium Costs

One possible way to get cheap car insurance could be by owning a car in one of the lowest premium groups. This typically means owning a newer car. When it comes to calculating premiums, insurance groups may not be the full story, however. Insurance companies might use other information, such as age, gender, and driving record, when they calculate premiums. Home address could also taken into consideration; for example, if a driver lives in a high-crime area, they might pay more as insurers consider the car more likely to be damaged or stolen.

Some ways to reduce premium costs might include:

  • Drivers that avoid making claims may benefit from a premium discount; the discount typically gets higher with consecutive claim-free years.
  • The no-claims discount may often be transferred to a new insurance provider if a driver finds a better deal elsewhere.
  • The no-claims discount doesn’t necessarily prevent an insurer from increasing premium costs. It’s a discount applied to whatever the premium is, so the premium could increase even if the discount remains the same.
  • Most policies have two separate excess amounts. One is set by the insurer and is an integral part of the policy. The second is one that the driver may set themselves. To reduce their premium a driver could opt to set this excess higher, but it does mean they tend to pay more out of pocket if they have to make a claim. And since the excess has a mandatory per-policy component, there could be an excess to pay on every claim regardless of how high the voluntary excess is set.
  • Car modifications of any kind could result in a premium increase, so it may be good idea for a driver to check with their insurer before adding any mods.
  • Paying premiums annually rather than monthly could reduce the cost significantly.


Getting the right cover is the most important thing, and then you should look for the cheapest policy.

Choose the right level of cover

There are three levels of car insurance cover you can choose from in the UK:

  • Fully Comprehensive
  • Third party, fire and theft
  • Third party cover only

Here is what each level protects you against, and how to choose which is right for you.

What car insurance cover should you get?

Find the best policy for you

There are several different types of motor insurance policy, and choosing the right one could save you money.

  • Standard car insurance: Here is what a standard car insurance policy with cover.
  • Multi car insurance: Insuring two or more cars on one policy could mean cheaper cover; find out how it can save you money here.
  • Black box insurance: You can save by having your driving monitored through a black box policy; here is how it works.

Should you add extras?

You can customise your policy and extend your cover by adding extra benefits. These include:

  • Legal cover - here is how to work out if you need it
  • Breakdown cover
  • Cover for lost or stolen keys
  • No claims protection
  • Cover for driving abroad

Here is a full list of the car insurance extras that could be worth adding to your policy.

Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.

Which car insurance extras are worth having?

How to get quotes from our comparison

You can get quotes from our website via the aggregator from our panel of insurers. Make sure you also compare separate policies in our table to make sure you get the best deal.

It can be a quick and easy way to find cheap policies, but be careful not to buy car insurance on price alone:

Pros and cons of comparison sites

  • Get lots of quotes quickly
  • Quotes shown in price order
  • Only one form to complete
  • Not all insurers are on them
  • Can be cheaper if you go direct
  • Multi car policies not shown

Car insurance FAQs


Can I drive a car without insurance?


No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.


How can I get cheaper car insurance?


There are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.


What does car insurance cover?


It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism and fire.


Is it cheaper to pay annually or monthly?


Paying annually in one go will usually work out cheaper because you will be charged interest of up to 30% when you pay monthly.


Should I let my policy automatically renew?


No, your current provider will not usually offer the cheapest deal so shop around and find a new policy instead of renewing.


Can I get insurance for an imported car?


Yes, you can use our quote service to find cheap cover for your imported car. You can select whether your car is a grey or parallel import.


Can I check if a car is already insured?


Yes, you can check if a car has a valid insurance policy in place through the Motor Insurance Database (MID).


How long does car insurance last?


Most car insurance policies last one year, but you can cancel your cover for a fee. You can get short term cover for between one day and three months.


Can I drive other cars?


If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.


Can I switch my policy to another car?


Yes, if you buy a new car you will need to tell your insurer so they can update your policy. The cost of your cover will probably change.

About our car insurance comparison


Who do we include in this comparison?


We include every insurer that offers comprehensive and third party, fire and theft car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.


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