No question, the worst possible service. Was sent policy renewal with huge premium increase, informed me the policy would auto renewal, which I knew wasn't true as policy was set not to auto renew. Went online in portal to check and sure enough message said policy would not be renewed. Now received a further e mail saying policy has been renewed and I owe them money. Ring this number if you want to discuss. 1 hour later still no answer! Like many others have said experience with other insurance companies is quick and efficient. Avoid Sainsburys bank at all costs. Oh yes and if you are wondering if the savings on nectar points make up for the experience then the answer is no, the increased premium wiped that out 3 fold!