Sainsbury's Bank are a bunch of cowboys, do not trust them or take out any policies with the company. Nectar will give you bonus points offers for signing up to Sainsbury's Bank. But they will not honour the points, when you query it through the Nectar app, they raise a case with Sainsbury's Bank who are supposed to respond to you within 28 days but they don't. Then you have to go to Sainsbury's Bank directly yourself who tell you it will be investigated and they'll be able to see if you clicked through the app for the offer, then you wait a couple of weeks, they don't contact you. Once that period is over you must contact them again and then they fob you off saying you were never targeted with the bonus points offer so you're not eligible for the points. Which means they don't check to see if you clicked through the app on the offer, they just lie and steal. When you try to cancel due to being treated with complete disregard, they charge you an extortionate cancellation fee to get away from them. The Sainsbury's Bank staff are miserable, arrogant and and moan when you ring up asking about missing Nectar points. They literally grunt and sigh down the phone when you mention it, like moody teenagers being asked to tidy their room. This is not a professional outfit. Notice how the Nectar Bank phone line options are also a shambles? Almost every option you choose on the phone line leads you to a dead end and the only way you can get through to someone is by going through a new customer option, because that's all they're interested in. Taking your money, after that it's a bit like being treated as if you don't exist and you don't matter. The pre-recorded messages are rubbish and don't reflect true life, for instance they tell you to cancel through their website to avoid being charged fees. But on their website, it says you can't cancel online, which is annoying when you don't want to talk to their thieves, it says you must call. Shamefully, Sainsbury's and Nectar are conning people in association with this load of criminals. It makes them look bad and they'll lose customers as a result of it.