Sainsbury's stands for great products at fair prices. Our objective is simple; to serve customers well. We continually improve and develop our product ranges, and work hard to give customers an ever improving shopping experience. We also aim to fulfil our responsibilities to the communities and environments in which we operate.
Running a car can be expensive but your car insurance doesn't need to cost a fortune.
With Sainsbury's car insurance you could get a Little Bill and save up to £126 compared to other leading providers and that comes from independent research into car insurance in the UK by Consumer Intelligence - January to June 2006.
plus, we've got two great discounts for you!
Purchase your car insurance online and receive a 5% discount. We also offer 5% off your quote when you purchase your car insurance with your Sainsbury's Bank credit card - available to new policyholders only.
Cheap car insurance - quotes are only half the story
When you get a cheap car insurance quote or cheap car insurance online offers, do remember that the price is only half the story. What you need to be aware of is the level of cover your so-called cheap car insurance quote is actually offering you. At Sainsbury's we could save you money and still offer quality car insurance. For example many cheap car insurance quotes are for policies that won't give you a courtesy car as standard - ours does**. (You can download our latest policy document with full cover details here.) Our claims line is open 24 hours every day and you will find our claims people friendly and helpful.
Car insurance in the UK can be tiresome to organise, but as you would expect from Sainsbury's, we make it easy - whether you apply for car insurance over the telephone or opt for an online car insurance quote right here.
So why not see if your car insurance bill could be a Little Bill?
Little Bill says
'you get all this for your money'
competitive car insurance with great benefits
Competitive car insurance doesn't mean that you can't receive a range of great benefits. Along with some big savings, our budget car insurance also offers a number of useful extras - all included in the price when you take out fully comprehensive cover:
free courtesy car - unlike some insurers, a courtesy car is included in your motor insurance quote. We'll make sure you're still on the road whilst your car is being repaired by one of our recommended repairers
full no-claim protection - don't worry if you have an accident with an identified uninsured driver and it's not your fault - you'll still keep your no claim discount
£200 cover for your shopping - you can claim up to £200 for any loss or damage to Sainsbury's shopping in the car caused by vehicle accident, fire, theft or attempted theft
support and compensation - if you're the unfortunate victim of car-jacking or road rage, we'll give you £1,000 compensation and access to free counselling.
optional extras
If you'd like some additional peace of mind with your car insurance, you can also select:
breakdown assistance - whenever you're at the wheel, you'll have the reassurance of Green Flag Roadside Assistance, Home Rescue or Recovery
motor legal protection - if you're involved in an accident that's not your fault, this extra car insurance cover means we'll look after the cost of recovering your uninsured losses.
So you can choose the type of budget car insurance cover that suits you best, third party and third party fire and theft policies are also available. To find out more, get your motor insurance quote online or ask when you call.
if you need to claim, we'll get moving fast
If you do have an accident, Sainsbury's car insurance will ensure that everything will happen quickly and efficiently:
no need to fill out a form - most car insurance claims can be approved over the phone in minutes
24-hour accident recovery helpline (comprehensive cover only)
24-hour windscreen replacement helpline (comprehensive cover only)
with our comprehensive cover, you'll get a 5-year guarantee on all the repairs if you use one of our recommended repairers - your statutory rights are not affected
if your car is too badly damaged to repair with our comprehensive cover, we'll make you a realistic offer within 48 hours of the car being classed as unsuitable for repair.
home insurance
At Sainsbury's Bank we realise that no two homes are the same, and so we have improved our home insurance. Whether you live in a flat or an 8 bedroom detached house, we have the cover that is right for you. We now offer great value insurance for:
homes up to 8 bedrooms
properties built pre-1850
student belongings
buy to let properties
Our house insurance is very competitively priced, you could save up to £141*, and save 20% with our combined buildings and contents cover when you buy online: Home insurance from Sainsbury's really does make sense - see how we compare.
The first thing many people notice when they compare online home insurance quotes, is that Sainsbury's Bank is really well priced. What's more if you compare home insurance in terms of benefits - you'll find that ours usually comes out on top of that too.
This month, we take a look at the rising cost of school holidays, tips for better managing your finances, and some of the top beach books for your summer break. We've also got an extract from Suzanne Davy's inspiring book 101 Ideas: Bedrooms and we ask you to take part in our poll to decide the best August Bank Holiday destination. Don't forget to enter our competition for your chance to win a TomTom One All In One In-Car GPS Navigation System!
It seems that British parents are prepared to go a long way when it comes to keeping their kids entertained over the summer. Research conducted by Sainsbury's Bank has found that they will spend a staggering £7.6 billion keeping their children amused during the holidays.
The average family will spend just over £590 keeping their children entertained during the school break with the biggest expense being travel costs of around £142. Second comes shopping at £99, then theme parks, cinemas or the zoo at around £80. Childcare could cost parents around £77 and an average of £72 may be spent on children's hobbies - and that's not including the typical £45 spent on pocket money.
If you're looking for a way you can make your cash work harder for you and your family this summer, why not take a look at a Sainsbury's Bank savings account? And don't forget to take a look at our Kids Activities Toolbox for some fantastic ideas for kids activities that won't break the bank.
Making sure you feel comfortable in every room in your home is a must. Perhaps the most important room to get right is the bedroom as it's likely to be the space that's most personal to you. But if you're not an expert in interior design, it can be tricky. This month, we look at how you can use lighting to maximum effect in your bedroom as we take a peek at an extract from Suzanne Davy's 101 Ideas: Bedrooms.
So whether it's about atmosphere or decoration, you're bound to find some illuminating tips! If you missed out on our extract from Rob Cassy's 101 Ideas: Gardens in our last issue, take a look here. And don't forget to look out for a passage from Rebecca Tanqueray's 101 Ideas: Kitchens in next month's issue!
Looking to drive away a bargain? Sainsbury's Bank could help. You could save 5%* if you buy Sainsbury's Bank Car Insurance before 12th September 2006. You can even get an extra 5% off your quote if you buy your car insurance online or with your Sainsbury's Bank credit card! Get your car insurance quote today!
If you are looking for a new car, take a look at our selection of the latest deals available from the Sainsbury's Bank car purchase scheme:
Audi A3 2.0 TDi SE BMW 116i SE Mazda RX8
*New customer purchasing comprehensive cover only. Premiums have been discounted by 5% from an amount that will be in place for 28 days after 12th September 2006.
After remembering to pack everything you need for your holidays from sun cream to snorkels, finding the right reading material for the beach is often the last thing on your mind. Avoiding heavy hardbacks is definitely a start, but picking out a real page-turner is no easy feat. Thankfully we've come up with a list of books perfect for the summer. So whether you want to read a coming-of-age story in Old School or unravel the mystery in The Da Vinci Code, our Beach Books Toolbox should have something for you.
Still haven't decided where to go this Bank Holiday weekend? With so much going on in the UK over the August Bank Holiday, there's plenty to choose from. From the Edinburgh Festival to Monkey World, we've chosen our top 10 destinations. Why not take part in our poll so we can see which is your favourite?
We've updated our website and with it introduced some fantastic tools to help you better manage your money. Our Money Made Simple pages include useful tips and advice from different financial sources on the web. And our easy-to-follow site is filled with our very own handy, interactive tools such as a loans calculator, savings calculator and an all-important jargon buster. Why not take a look at some easy ways to make your money go further?
If you're going on holiday to Europe this summer, there's more to remember than just your toothbrush! Both adults and children should take a European Health Insurance Card (EHIC). With your EHIC card, you'll be entitled to free or reduced-cost emergency treatment. You can apply online today for your card but don't forget it's no substitute for Travel Insurance!
If you're looking for a new activity to learn by yourself or with the kids, unicycling could be just the thing! It's a great way to stay fit and enjoy the countryside. You'd be surprised by the range of resources you can find online. From the Union of UK Unicyclists to fantastic unicycle events, our Unicycling Toolbox should have everything you need to get started!
With so much choice, finding the right credit card deal can be a challenge. Research by Sainsbury's Bank has found that while a number of banks offer interest-free credit cards, the length of interest-free deals can vary widely with a number of banks offering interest-free credit cards for just three months.
A new credit card offer from Sainsbury's Bank could provide you with an interest-free credit card for longer. Take a look at how you could get a credit card with 0% interest for 10 months on purchases 15.9% APR typical variable..
Sport Relief was an amazing success this year thanks in no small part to Sainsbury's customers and staff who raised £1.5million. More than 420,000 people took part in the Sainsbury's Sport Relief Mile around the country, helping contribute to the Sport Relief total, which currently stands at over £12 million. Don't forget you can still do your bit and donate here. Thanks to everyone who participated, lent their support and donated their hard-earned money!
www.sainsburys.co.uk
Visit our consumer site where you can find information on the latest products, recipes and in-store offers, locate your nearest store and see current recruitment opportunities.
Sainsbury's Online
Shop online and enjoy the ease and convenience of our home shopping service.
www.sainsburysbank.co.uk
For great quality financial products at affordable prices. Including savings accounts, credit cards, loans and a range of insurance products (life, car, home, travel & pet).
www.sainsburys.co.uk/sid
Visit the B2B portal for our suppliers and business partners.
www.supplysomethingnew.co.uk
Supply something new, launched in conjunction with Food from Britain, is a scheme that gives small and medium-sized suppliers the opportunity to let us know about their products and, perhaps, to work with us.
Bells Stores www.bells-stores.co.uk
Bells Stores, a chain of 54 high quality convenience stores in north east England, was acquired by J Sainsbury plc in February 2004.
Jacksons Stores www.jacksons-stores.co.uk
Jacksons stores, a chain of 114 stores across Yorkshire and the North Midlands, was acquired in August 2004.
Sainsbury’s Recruitment www.sainsburys.co.uk/aboutus/recruitment
Whatever part of our business you're interested in joining, you'll find all the information you need to get a feel for what it's like to work at Sainsbury's.
Sainsbury’s Graduates www.sainsburys.co.uk/graduates
We offer graduate roles in two areas – Retail Management and Retail Support. Visit Sainsbury's graduate recruitment site for further information.
This has been a strong year of recovery for Sainsbury's with a continued focus on the implementation of the plans outlined in October 2004. Our performance in the last year has increased confidence in Sainsbury's prospects among customers, colleagues and, I believe, shareholders.
Our underlying profit for the year was £267 million3. The Board is recommending a final dividend of 5.85 pence per share, an increase of 3.5 per cent. This will take the full year dividend to 8.00 pence per share, an increase of 2.6 per cent compared to last year, covered 1.3 times by earnings. The Board does not wish to see the dividend eroded in real terms and the increase broadly equals inflation in the year. However, we continue to expect to rebuild dividend cover to at least 1.5 times.
The key to recovery is to increase sales. We are on track to hit our target of £2.5 billion additional sales in our recovery period. As we move forward, we expect to see financial rewards to shareholders arising from improved sales performance and our continued focus on cost reductions.
The Board is determined to work towards a successful financial recovery, while maintaining the ethical approach and commitment to high business standards that are a fundamental part of Sainsbury's heritage. There are arguably few business sectors where customer demands for value and quality have to be so constantly balanced with their concerns for health, the environment and the local community. 'Our commitment to communities' detail our approach to this as does Justin King's operating review.
In March 2006 we completed a major refinancing raising £2.07 billion. This provided cost effective long-term finance by recognising the value in our property portfolio. At the same time we retain ownership of these valuable assets. In conjunction with the refinancing we agreed with Sainsbury's pension schemes' trustees that some of the new funds raised would be used to make a one off contribution of £350 million into the pension schemes. Annual contributions by Sainsbury's into the schemes will also be increased by £18 million to £38 million per annum. Our defined benefit schemes remain in place for existing members but to provide a more balanced sharing of risk and cost between members and the Company, changes such as increased contributions and controls on future benefits are being introduced to improve the funding of the schemes and increase security of benefits. Colleague contributions for those in the defined benefit schemes will increase from September 2006 with options to maintain current contribution levels or move to career average or a new scale of retirement benefit.
Last year we introduced a long-term incentive plan specifically to support the recovery plan launched in October 2004. It was a one-time arrangement and no further incentives can be awarded from it.
At our AGM in July we will be proposing a new incentive framework for arrangements to be put in place over the next ten years, starting with the 2006/07 financial year. It will build on last year's plan applying to around 1,000 senior managers in order to retain and motivate key talent beyond the 2008/09 milestone set last year. We will also propose a new deferred bonus plan for top managers where the proposed measure is based on TSR. The plan is closely aligned with UK best practice and offers strong incentives for top performance and no rewards for failure. Details are set out later in this report.
Bridget Macaskill will be stepping down as a Non-Executive Director at our AGM in July and June de Moller retired from the Board in September 2005. I would like to take this opportunity of thanking them for their hard work and commitment over the past few years, especially their help in the introduction of recovery initiatives.
This year we have again strengthened the Board with significant additional knowledge and diversity of experience. In August 2005, Darren Shapland joined the executive team as Chief Financial Officer and John McAdam was appointed Senior Independent Director in September 2005. In May 2006 we welcomed Anna Ford as a Non-Executive Director.
The Competition Commission has announced that it is to conduct an investigation into the UK grocery market. We have established a dedicated team to deal with this to ensure it will not distract us from our continued commitment to serve customers in the best possible way.
The many activities that have taken place this year give encouraging signs that our recovery plan is well on course. Once again there has been great change for colleagues but there is a real sense now around the business that Sainsbury's has renewed vigour and ambition. This view is also being echoed by many stakeholders and I would like to thank them, as I did last year, for their continued support and the part they are playing in our recovery plan.
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