Since its birth the Sainsbury’s Bank has increasesd its presence in the personal finance area. As with most other UK banks and building societies, Sainsbury’s promotes many different types of insurance offerings tailored to meet specific situations. Sainsbury’s car insurance is one such offering, the main details of which are described below.
What Does Sainsbury’s Car Insurance Offer?
As with most other Sainsbury’s products, Sainsbury’s car insurance is intended to provide competitively priced cover with multiple benefits. As such, Sainsbury’s car insurance provides:
- Optional no claims discount protection.
- Discounts on your Sainsbury’s car insurance price for new customers who apply online.
- A 24 hour car or vehicle recovery service.
- Replacement child car seats after accidents.
- A free courtesy car in the event of your vehicle needing extensive repairs.
- Cover up to the value of £200 for any Sainsbury’s shopping that is lost in fire, theft or accidents.
- Fraud prevention.
- Fraud detection.
About Sainsbury’s Car Insurance and Fraud Protection
Sainsbury’s car insurance maintains its relative low cost through participation in insurance industry directives aimed to fight fraud. Some of the insurance initiatives that Sainsbury’s Bank subscribes to are:
- Liaising with the UK Police force.
- Checking applicant details with UK fraud protection organisations.
- Checking applicant details with foreign fraud protection organisations.
These industry initiatives are designed to contribute to the ongoing understanding of fraudulent activity within the UK in an effort to protect consumers against fraudsters. Sainsbury’s Bank has stated its committment to programs such as this in order to ensure that the cost of all its insurance products remains as low as possible.
Car Insurance Application Criteria
In order to make a succesful application for Sainsbury’s car insurance you would need to meet a number of conditions, including the following:
- Be aged between 21 and 80 years of age.
- Have 1 year or more of “no claims”.
- No suspension of driving licence 5 years prior to your Sainsbury’s car insurance application.
- No pending charges for driving related offences.
- Be a UK resident for at least 12 months prior to you Sainsbury’s car insurance application.
- Tell Sainsbury’s Bank if your car is worth more than £50,000.
Sainsbury’s Car Insurance: What You Need to Consider
When you are thinking about car insurance, you should not only consider price but also the degree of insurance you receive for that price. Sainsbury’s car insurance is designed not only to appeal to your pocket but also to provide you with a high quality level of insurance cover. The process for applying to Sainsbury’s Bank for your vehicle insurance is designed to be simple and relatively fast.
Making a Claim Against Your Sainsbury’s Car Insurance Policy
If you are suffer the misfortune of being involved in vehicle accident and do have Sainsbury’s car insurance, Sainsbury’s advise the following:
- Never drive away from the scene of an accident without checking if anyone is injured or without passing on your car insurance details to the other party or parties.
- Take down the details of any others involved in the accident, including any witnesses. The names, addresses and contact details of those involved will be requirewd when you lodge your Sainsbury’s car insurance claim.
- Make sure you get the details of the other party/parties car insurance policy/policies.
- Never blame or admit responsibility for the accident.