Get up to 18,750 Avios with Sainsbury’s life insurance – and a look at other insurance offers

When Nectar and Avios began their partnership in January 2021, it opened up Sainsbury’s Bank as another potential route for indirectly earning Avios.

When it comes to earning Avios from insurance, we are still missing Alan Boswell Group, which used to offer household, business, medical and landlord insurance.

You can still pick up Avios with some sorts of insurance via Sainsbury’s Bank. Details of what it offers are here.

What insurance products can I buy from Sainsbury’s Bank?

These are the insurance products on offer:

• Car insurance – click here for details

• Home insurance – click here for details

• Pet insurance – click here for details

• Travel insurance – click here for details

• Life insurance – click here for details

The best offers are targetted

What we have seen since Avios partnered with Nectar is that Sainsbury’s Bank does NOT have many ‘open to all’ insurance deals.

Most offers are targetted and promoted via the Nectar app, in the ‘Partners’ section. It is worth having a look there from time to time to see what you are offered.

There is one deal which is open to all, however ….

Get 30,000 Nectar points with a life insurance sign-up offer

There is a generous offer running on Sainsbury’s Bank life insurance as you can see here.

This what you can earn:

• 10,000 Nectar points (6,250 Avios) if your policy is under £8.50 per month
• 16,000 Nectar points (10,000 Avios) if your policy is £8.50 to £20 per month
• 22,000 Nectar points (13,750 Avios) if your policy is £20 to £30 per month
• 30,000 Nectar points (18,750 Avios) if you policy is over £30 per month

This is a special deal which runs until 28th February.

You don’t qualify for the points until you have paid your first five monthly premiums. After this time, the points may take a further 60 days to reach your Nectar account.

If you have an existing life policy which you could switch to Sainsbury’s Bank then this is a decent deal. The maths also isn’t bad purely as a points offer.

For example, if you could set up a level of cover which cost exactly £8.50 per month, you would be spending £42.50 over the minimum five month commitment. In return you will receive 16,000 Nectar points worth 10,000 Avios. You can’t argue with that.

Conclusion

As the value of any insurance offer is totally dependent on the premium you are quoted, you clearly need to look at any Nectar earning in the context of what your policy will cost.

Even if this offer doesn’t work for you, it is worth keeping an eye on the Nectar app to see what other targetted sign-up offers are made available to you.

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How to earn Avios from UK credit cards (April 2025)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

There are two official British Airways American Express cards with attractive sign-up bonuses:

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

Run your own business?

We recommend Capital on Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, and the standard card is FREE. Capital on Tap cards also have no FX fees.

There is also a British Airways American Express card for small businesses:

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.