Independent guide — VIP Claims is not affiliated with Sainsbury's Bank Insurance.
How to Make a Sainsbury's Bank Insurance Claim
Underwritten by whichever insurer on Sainsbury's Bank's panel offers the best price for your circumstances, including Ageas Insurance Ltd, AXA Insurance UK plc, Covea Insurance plc, ERS, Highway Insurance Company Limited, Liverpool Victoria Insurance Company Limited (LV=), Premier Underwriting Limited, Prestige Underwriting Services Limited on behalf of Aviva Insurance Limited, Sabre Insurance Company Limited, Somerset Bridge Limited and Zurich Insurance plc; Sainsbury's Bank has also entered an agreement with Liverpool Victoria Insurance Company Limited (LV=), part of the Allianz Group, to offer replacement policies to existing customers, though existing cover is unaffected for now
The short answer
Call Sainsbury's Bank's car insurance claims line, staffed 24/7, to report an accident, theft or other incident. For simpler policy changes, an online account portal is also available, and no admin fee applies for changes made this way.
Official Sainsbury's Bank Insurance claim contacts
These are Sainsbury's Bank Insurance's own contact details, published on Sainsbury's Bank Insurance's website. They are not VIP Claims numbers.
Claim online at Sainsbury's Bank Insurance- Car insurance claims0344 600 9021
Official Sainsbury's Bank Insurance contact number · 24 hours a day, 7 days a week
Also covers Windscreen Cover (comprehensive and third-party, fire & theft) and Guaranteed Courtesy Car claims
- Customer queries0345 266 1670
Official Sainsbury's Bank Insurance contact number · Mon-Fri 9am-5.30pm, closed Sat-Sun
For policy changes and general questions
- RAC breakdown cover assistance0330 159 8485
Official Sainsbury's Bank Insurance contact number · 24 hours a day, 7 days a week
Calls charged at local rates from landlines and mobiles
- Key Cover claims01737 334 254
Official Sainsbury's Bank Insurance contact number · Not stated
- Motor Legal Protection – uninsured loss recovery and personal injury0344 600 9022
Official Sainsbury's Bank Insurance contact number · Not stated
- Motor Legal Protection – legal advice, contract dispute or vehicle cloning0333 005 0349
Official Sainsbury's Bank Insurance contact number · Not stated
Quote reference AUXSAINMLP16
Policy types: Sainsbury's Bank car insurance is underwritten by different panel insurers depending on your circumstances, so claims-handling detail, excess and courtesy car terms can vary — always refer to your own policy schedule. Note also that Sainsbury's Bank has agreed for LV= (part of Allianz) to offer replacement policies to existing customers going forward, though current policies are said to remain unaffected for now.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Sainsbury's Bank Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Sainsbury's Bank Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Sainsbury's Bank Insurance.
Step by step
How to start a Sainsbury's Bank Insurance claim
- 1Call the claims line on 0344 600 9021, open 24 hours a day, 7 days a week.
- 2Have your policy number and details of the incident ready.
- 3For related benefits like Key Cover, Windscreen Cover or Motor Legal Protection, use the specific number for that cover.
- 4For non-urgent policy changes, you can log in to your account online instead of calling.
Before you call
Information to have ready
- Your policy number
- Details of what happened and when
- Third-party details if another vehicle or person was involved
- Details of any relevant add-on cover (e.g. Key Cover, Windscreen Cover, Motor Legal Protection)
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- Your claim is logged and assessed by the underwriting insurer handling your policy.
- You may be contacted about excess payments or further evidence needed.
- Add-on covers such as Guaranteed Courtesy Car or Windscreen Cover are handled through the same 0344 600 9021 line.
Costs
Excess and your no-claims discount
Specific excess and no claims discount terms are not detailed on the general support pages reviewed; refer to your policy schedule for your individual excess and NCD protection details.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
Guaranteed Courtesy Car claims are handled through the main claims line, 0344 600 9021, open 24/7, but eligibility depends on whether you have this cover on your policy.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Not specified publicly which repairer network is used; this will depend on which panel insurer underwrites your individual policy.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through Sainsbury's Bank Insurance
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Sainsbury's Bank Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not a Sainsbury's Bank Insurance number. VIP Claims Ltd is not affiliated with or endorsed by Sainsbury's Bank Insurance.
Existing claims
Tracking an existing Sainsbury's Bank Insurance claim
For an update on an existing claim, call the same claims number, 0344 600 9021, which is staffed 24 hours a day, 7 days a week.
If something goes wrong
Complaining about a Sainsbury's Bank Insurance claim
How to complain is addressed via Sainsbury's Bank's 'How to complain' page linked from its car insurance support section; a specific claims complaints phone number was not confirmed on the pages reviewed.
Questions
Sainsbury's Bank Insurance claims: frequently asked questions
Which number do I call to make a car insurance claim?+
Is there a different number for Key Cover claims?+
Can I make policy changes without calling?+
Who underwrites my Sainsbury's Bank car insurance policy?+
Where this came from
Sources
The Sainsbury's Bank Insurance details on this page were taken from Sainsbury's Bank Insurance's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Sainsbury's Bank – Contact us (Car Insurance) — checked 19 August 2026
- Sainsbury's Bank – Our Insurers — checked 19 August 2026
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by Sainsbury's Bank Insurance, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.