The renewal quote for Sainsbury's Bank Home Insurance after Year 1 was 30% more expensive than a policy I was offered by another provider, which also included more cover than Sainsbury's. When I attempted to use my online account and phone app to cancel the policy, the option was not available. They debited my account 3 days before the policy was due to renew. I spent hours on the phone trying to reverse this. CONCLUSION: they are not competitive, their account managements services do not let you manage your account and they actively pursue a policy of entrapment for renewal.