Sainsbury's Bank Money Matters: Spring 2012

money matters Spring 2012

A RIGHT ROYAL TOURHoliday destinations fi t for a Queen

OUTSIDE INTEREST Making money from your garden

5 ways to boost your income

WIN!A WEEK IN A LUXURIOUS COUNTRY RETREAT

CELEBRATE SPRING!How to revitalise your fi nances and your home

C2649 pp01 Cover amends.indd 1 03/04/2012 17:50

Up to 20% online discount with our car insurance and you’re ready to go.Underwritten by U K Insurance LimitedOnly available to new customers

For Sainsbury’s

shoppers with a

Nectar card

*On Sainsbury’s shopping and fuel with Premier Cover. Premier Cover must be renewed at fi rst renewal for double points to continue. Discount is based on your Nectar loyalty profi le. Base points doubled. Max 2,500 monthly. Must use Nectar card. Terms and conditions apply. Calls may be recorded and monitored. Sainsbury’s Bank cannot provide quotes for existing Sainsbury’s car insurance customers who have a policy in force before 31st May 2011. Sainsbury’s Finance is a trading name of Sainsbury’s Bank plc, Registered Offi ce, 33 Holborn, London EC1N 2HT (registered in England No. 3279730) is authorised and regulated by The Financial Services Authority. Registered Number 184514. Sainsbury’s Supermarkets is an appointed representative of Sainsbury’s Bank plc. Sainsbury’s car insurance is underwritten by U K Insurance Limited, The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980.

Introductory offer when you obtain a quote online directly from Sainsbury’s Bank, 10th April-9th July 2012. Subject to minimum premium. At least 10% of Nectar customers who are Sainsbury’s shoppers will achieve the maximum discount of 20%.

Visit sainsburysbank.co.uk or call

0800 096 2448

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ith Premier Cover*

DOUBLEPOINTS

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639155-1_SB_MoneyMatters_30_03.indd 1 30/03/2012 15:36

Sainsbury’s Bank 3

Cert no. SGS-COC-00XXXX

WELCOME

Hillary Williams Director of Marketing

4 In briefStay in the know with all the latest news from Sainsbury’s and Sainsbury’s Bank6 Return of the piggy bank

Why it doesn’t pay to give up on saving, and how to get the best returns on yours9 Changing roomsIs your home looking a bit dingy? Here’s how to give it a spring makeover without cleaning out your bank account12 Rich pickingsClever ideas to generate some extra income from your garden or driveway14 Prize drawEnter our prize draw for the chance to win a week’s stay in North Yorkshire

15 Majestic destinationsTo mark the Queen’s Diamond Jubilee, check out our round-up of the best Commonwealth holiday hotspots18 Heading in the right directionTop tips to ensure your satnav is up-to-date and therefore keeps you on the right road19 Travelling with pets made easierGood news for pet owners: it’s now much easier to take them travelling with you20 Download your perfect bodyCancel that gym membership and get fi t for free with these fantastic fi tness apps22 DirectoryUseful information and contact details for Sainsbury’s Bank products

CONTENTSSpring is here and with it comes the perfect opportunity to take a fresh look at your fi nances.

If you’ve all but given up on saving in this economic climate, it may be time to think again. See page 6 for some great tips on smarter ways to save. And if you’re looking to generate some extra income, turn to page 12 for our savvy ideas for making money from your garden or driveway.

Traditionally, spring’s the time to give your home a refresh, so we’ve got some insider tips on how to do just that on a tiny budget – see page 9. With summer on the way, getting fi t may be on your mind, too. We’ve found some fantastic fi tness apps to help you out, on page 20, and they’re all free!

Speaking of free, make sure you enter our prize draw on page 14 for a chance to win a week in beautiful North Yorkshire. Here’s hoping spring is just the start of a fabulous year for all!

159

CONGRATULATIONS to our winter prize winner: Jane Ludgate of Norwich.

Produced by Seven for Sainsbury’s Bank plc. Sainsbury’s Finance is a trading name of Sainsbury’s Bank plc.Sainsbury’s Bank plc, Registered Offi ce: 33 Holborn, London EC1N 2HT (registered in England, No. 3279730) isauthorised and regulated by the Financial Services Authority (FSA). Registered No 184514. Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc. Magazine correspondence address: Customer Marketing, Sainsbury’s Bank, Keith House, Redheugh’s Rigg, South Gyle Crescent, Edinburgh EH12 9DQ. You can also write tothis address if you no longer wish to receive this magazine. For contact details regarding Sainsbury’s lending, savingsand insurance products, please see pages 22 and 23, or visit sainsburysbank.co.uk. All information correct at time of going to press, April 2012, but may be subject to change. The views expressed in this magazine are the responsibility of the publishers and do not necessarily refl ect the views of any part of the Sainsbury’s Group of companies. Availability of Sainsbury’s products may vary from store to store. Some products only available online.

PHOTOGRAPHY: ISTOCKPHOTO.COM


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Travelling lite

IN BRIEFKeep in the know with the latest news from Sainsbury’s and Sainsbury’s Bank

In our busy lives it can be hard to remember all the little jobs, especially when it’s a once-in-a-decade task like renewing the photo on your driving licence. But overlooking this could cost you dearly. If you fail to update your photo licence before its expiry date, you could face a hefty fi ne of up to £1,000. Research

by Sainsbury’s Bank has revealed that more than 1.6 million drivers could be at risk of being fi ned as their photos have already expired. And another 3 million drivers’ mugshots will expire by the end of 2012. To prevent a massive dent in your bank balance, check yours is in order before you next get into the car.

Make a snap decision

41% The typical

amount saved by non-smokers on life insurance*

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Need a holiday? According to new research from Sainsbury’s Travel Insurance, you’re not alone. It reveals that 28.9 million Brits are planning to escape the daily grind this year, spending a total of £22.1bn. While we’re eager to travel, we’re also eager to save money — the research shows that the majority of people intend to cut costs on holiday this year and spend less than last year. Holidaying in the UK, self-catering breaks,

staying with family or friends and camping all came up as cost-cutting ways to enjoy a budget-conscious break.

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NEWS

Crumb’s the wordHome baking has been one of the big food trends in recent years — as well as the enjoyment derived from making (and eating) your own bread, cakes and biscuits, it’s also a rather tasty way to save a few pennies. The increasing popularity of TV bake-o� shows, celebrity bakers and the seemingly unstoppable rise of the cupcake all suggest that this is one food trend that’s far from over. Sainsbury’s launch of its new baking website is a welcome addition to the ‘bake-o-sphere’. Filled with recipes, information and advice, it’s a ‘one-stop shop’ for bakers of all skill levels. Go to sainsburys.co.uk/baking

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Scan this code with your smartphone to fi nd out how

you can boost your Nectar points with Sainsbury's Bank.points with Sainsbury's Bank.

■ Call 0800 055 6739, quoting MM09

■ or visit sainsburysbank.co.ukPlease see page 22 for full details.

*You must have shopped instore in the past 6 months. We may check your Nectar account to verify this. You must quote your Nectar card number when you apply. Different rates will apply to telephone applications.

Shopper Reward LoanExclusive online rate on loans from £7,500 to £15,000 for Sainsbury’s shoppers with a Nectar card.* Plus get a £25 Sainsbury’s gift card and double Nectar points on Sainsbury’s shopping for 2 years.

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Gok ’til you dropWardrobe impulse buys can be costly — research shows that up to half of all the clothes bought by British women are never actually worn†. So buying hard-working pieces that you’ll really want to wear and can dress up or down for all sorts of occasions, makes a lot of fashion sense. That’s one of the big selling points of the new collection of affordable fashion by Gok Wan for TU, exclusive to Sainsbury’s and due to launch in May. The previous three Gok for TU ranges have been a huge hit with women of all ages, shapes and sizes – so don’t miss out on giving it a go yourself. Find it instore — while stocks last. And check out his fab videos which offer brilliant style tips for real women online at sainsburys.co.uk/gok†According to Global Cool survey, 2009

C2649 pp4-5 News amends.indd 7 03/04/2012 17:56

6 Sainsbury’s Bank

Saving has fallen out of fashion in Britain, but is it time to start putting those pennies away again? Esther Shaw reports

piggy bankThe return of the

Savers have had little to shout about for some time now, with interest rates

at an all-time low and infl ation running high. As a result, British households are currently saving much less of their income than other countries. A recent report found that we only save about 7% of our disposable income, compared with 10% in Germany and a whopping 47% in China.

Yet, with so much economic uncertainty, we can’t afford to give up on saving. And it’s not all bad news, because savings rates in the UK are slowly starting to increase.

‘Rates are still well below the highs of four years ago, but they have picked up over the past 12 months,’ says Andrew Hagger, from fi nancial comparison site moneynet.co.uk. ‘There’s never a bad time to start saving. By putting money aside regularly you’ll accumulate a lump sum and benefi t when rates do pick up.’

WHY IS IT IMPORTANT TO SAVE?Saving money, even if it’s only a small amount on a regular basis, can provide a vital buffer for emergencies, while also enabling you to plan for the future. As a rule of thumb, you should try to have the equivalent of at least three months’ income in savings, giving you something to fall back on if, say, your car breaks down or the washing machine packs up.

‘The reassurance of having a separate pot of funds can prove invaluable in times of fi nancial hardship or emergency,’ says Louise Holmes from the fi nancial website moneyfacts.co.uk. ‘Setting aside any residual cash as a cushion is a much more prudent way for people to budget, and avoids you having to rely on overdrafts and other costly forms of credit.’

WHAT ARE THE BENEFITS OF SAVING?Saving can mean greater fi nancial security and increased fl exibility in budgeting and fi nancial planning. You can also reward yourself on special occasions, or work towards achieving longer-term goals.

‘Having a nest egg provides great peace of mind,’ says David Black from fi nancial information service Defaqto. ‘Equally, it P

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C2649 PP6-8 Finance amends_v3.indd 6 05/04/2012 09:42

• As Money Matters went to press, the Bank of England’s base interest rate was 0.5%, marking three years since rates were cut to this record low.

• Some savings accounts pay as little as 0.1%, so check yours and switch to a better rate if you can.

• You can shelter up to £5,640 from the taxman in a cash ISA this tax year (2012-2013).

• Less than half of British adults currently have any savings in a cash ISA.

• One in 10 of us think our money is safer under the mattress than in a bank. As a result, around £5.6bn in cash is currently stashed away in British homes.

SAVINGS FACTS AND FIGURES

MONEY


could be that you’re saving for a particular reason – perhaps a

dream holiday, a new car, or even a wedding.’

If you’re looking to buy a new home, there are clear benefi ts to saving. ‘By saving for a reasonable deposit, the amount you’ll

need to borrow will be lower, bringing down future

mortgage costs,’ says Andrew Hagger. ‘A bigger deposit will also

mean you get access to better rates.’ Saving now can also help to cushion

any shortfalls in future pension pay-outs – which could become increasingly important as the prospects for both public and private pensions begins to unravel. ‘Longer-term saving can help you enjoy a more comfortable retirement,’ adds Hagger.

Crucially, when saving, you should bear in mind that there is little point earning a modest rate of interest on your hard-earned cash if you are paying a hefty rate on your credit and store cards at the same time.

HOW DO YOU MAKE SAVING MONEY A ROUTINE? The key to successful saving is to get into the habit of putting money aside on a regular basis at the earliest opportunity. A good way

• As Money Mattersbase interest rate was 0.5%, marking three years since rates were cut to this record low.

• Some savings accounts pay as little as 0.1%, so check yours and switch to a better rate if you can.

• You can shelter up to £5,640 from the taxman in a cash ISA this tax year (2012-2013).

• Less than half of British adults currently have any savings in a cash ISA.

SAVINGS FACTS AND FIGURES




signifi cant penalties. Savers may fi nd it useful to split funds between a fi xed-rate account and an easy access account.’

It’s also a good idea to keep an eye on the interest rates available between different accounts, as they change periodically. ‘By reviewing all of your savings accounts on a regular basis, you can ensure your money is not languishing in a poorly paying account,’ says Black. ‘If the rate has dropped, be prepared to move your money elsewhere.’

If you’re considering a new account, check whether there are any introductory offers, fees or penalties – after all, when it comes to saving, every penny counts.

MONEY

1 Review your spending and budget carefully; try an

online budgeting tool such as mymoneysteps.org from the National Debtline.

2 Switch energy providers to a more competitive tariff,

and ensure you are signed up to the best ones for your mobile phone, landline, TV and broadband package. Further savings can be made by

‘bundling’ services together.

3 Change your current account to benefi t

from higher rates of interest when you’re in credit, and lower rates when you’re in the red.

4 Check you’re on the right tax code, and

ensure you’re claiming all the tax credits and

benefi ts to which you are entitled. For more details, visit www.hmrc.gov.uk.

5 Check the direct debits that are going out each month,

and cancel gym memberships and magazine subscriptions you no longer use or need.

5

and ensure you are signed up to the best ones for your mobile phone, landline, TV and broadband package. Further savings can be made by

‘bundling’ services together.

3 Change your current account to benefi t

from higher rates of interest when you’re in credit, and lower rates when you’re in the red.

4ensure you’re claiming

all the tax credits and benefi ts to which you are

entitled. For more details, visit www.hmrc.gov.uk

5 Check the direct debits that are going out each month,

and cancel gym memberships and magazine subscriptions you no longer use or need.

to do this is to set up a regular standing order to transfer some cash to your savings account each month on the day after you get paid.

‘That way, the money goes out of your account without you noticing that you haven’t had the chance to spend it,’ says Black. ‘Meanwhile, your monthly savings will start to build up.’

You should also encourage your children to save from an early age, because the sooner saving is started, the more money they’ll have to help them with their fi rst car, home, or university costs. Get them to save some of their pocket money, or encourage them to save by promising to match their contribution on a pound-for-pound basis.

‘Many providers offer savings accounts designed specifi cally for children, plus parents and others can also now save into the new junior individual savings accounts (ISAs),’ says Holmes.

HOW DO YOU GET THE BEST RETURNS?As a saver, your starting point should be a Cash ISA. You can currently save £5,640 a year into one these accounts, and don’t have to pay tax on the interest earned.

Once you have used your ISA allowance, look to take advantage of the competitive rates on offer in the fi xed-rate bond market. These are accounts that involve you putting your money away for a fi xed length of time. On the plus side, they usually pay a higher rate of interest. ‘The highest rates tend to be for the longer-term bonds,’ says Black. ‘But make sure you only invest money that you know you won’t need for the entire fi xed term, because in many cases, early withdrawals are not permitted, or only with

EASY WAYS TO BOOST YOUR INCOME

Easy access savings account with Extra SaverChoose Sainsbury’s easy-to-open Extra Saver account and you can start saving with just £1. Open your account in minutes and enjoy unlimited

withdrawals with no notice period. Interest paid annually. ■ Call 0500 40 50 60 quoting Y3087 or visit sainsburysbank.co.uk

Start saving

with just £1



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Refresh your home with an instant makeover – and save

cash along the way. Kate Burt shows you how

HOME

There’s a reason we talk about spring cleaning. Along with daffodils, the new

season brings with it energy — and action. Suddenly, we want to do more than just think about how dingy the hallway or the front room looks. We’re motivated to do something about it.

Unfortunately, the gloomy economy is lacking a spring in its step, meaning that, for many of us, a big redecoration project is not realistic right now. Luckily, there are lots of clever ways to revamp every room in your home without going anywhere near a paintbrush. Here are seven insider tips for a makeover that won’t clean out your bank account.

DECLUTTER AND DEEP CLEANRooms feel remarkably refreshed after you’ve simply cleared daily debris from the shelves, pruned an overstuffed wardrobe, dealt with that pile of things that don’t really have a home, cleaned the windows, vacuumed and generally done a bit of domestic filing. It is the cheapest and most satisfying route to a revamp. You won’t need tips for the cleaning

Refresh your home with an

roomsChanging

part (just, perhaps, a nice cake by way of a motivational reward). Having a clear-out, however, can be easier said than done. ‘People often hang onto things out of guilt,’ says Romaine Lowery of clutterclinic.co.uk. ‘That £200 dress you’ve never worn, or the pasta-making machine you’ll never use…But think about it: why have the thing there reminding you?’ Not knowing what to do with chuck-outs is another barrier. Lowery suggests paying a junk collection service to make it easier. ‘As soon as you have decided to get rid of stuff, don’t leave it in bags hanging around the house: get it out of the door ASAP.’ AFFORDABLE ART Striking wall art will transform a space, but doesn’t need a big outlay. Buy a coffee-table book by a photographer you love – and a scalpel. Cut out your favourite images and display them in same-colour picture frames. Voila! An instant feature wall. As a fashionable (and budget) alternative to a frame, hang prints using two giant bulldog clips attached to the wall – perfect for a utilitarian look. For a quirky alternative to wall-hung plates, paste coloured paper doilies of different sizes to a plain wall and arrange artfully (use wallpaper paste or craft glue). ‘Mount boxes can

C2649 PP9-11 Homes amends.indd 15 03/04/2012 17:52

also be used to frame all manner of interesting items or collections,’ says Lucy Inskip of housedoctor.co.uk, the network

of professional home revampers. ‘Try pieces of china, interesting

hats, dolls or other collections,’ she adds. ‘And if you need a creative helping

hand, hire one of our House Doctors™, who’ll work with your budget, whether you’re selling or just updating.’

SWITCH UP THE LIGHTING Something as simple as altering your lighting can make a big difference. A brilliant quick fix is a string of fairy lights — perhaps bunched up in an unused fireplace or displayed in a glass vase in a corner on the floor. Always put safety first and make sure that you use LED fairy lights, which don’t get hot when they’re in use, and check that all wiring and plugs are in good condition before you start. A low-hung glow over a kitchen table or reading chair can look lovely — and doesn’t need to involve the expense and mess of an electrician chasing in wiring to move ceiling lamps. Instead, copy the current trend for extending cables (old-school

fabric ones look good) and simply hook lamps in a new position. A giant anglepoise-style lamp is another alternative to moving ceiling lights around — it’ll look great over a dining table.

GET SCENT-SATIONAL ‘I can’t be bothered to faff around with scented candles, but a spritz of room fragrance can instantly transform the atmosphere of a space,’ says Talib Choudhry, former deputy editor at Elle Decoration and now an interiors consultant. Another alternative is pot pourri. It has retro associations, but a modern update to the traditional bowlful on your coffee table – via the interior designer, Abigail Ahern — is to decant the pot pourri into tea-light holders and dot them around the house. Fresh flowers, of course, will not only add atmosphere-changing fragrance, but can transform a room visually, too. To literally double the impact, advises Lucy

Inskip, hang a large mirror and display the flowers in front of it. Or gather together a collection of

pretty smaller mirrors and hang them,

mismatched, together on a wall for a shabby chic effect.

Swapping around soft furnishings — even just moving them between rooms for a budget neutral revamp — instantly creates a different atmosphere. Try adding throws to sofas and armchairs, and replacing curtains, cushions, rugs or lampshades. You can do

the same all over the house, too. In the bathroom, change

your shower curtain, if you have one, for something totally different to your usual style. New towels and a bath mat will work wonders, too. If they’re in good enough nick, simply dye them — modern household dye comes in lots of great shades and you can use it to dye items in your washing machine without mess.

SOFTLY SOFTLY


collections,’ says Lucy Inskip of housedoctor.co.uk

of professional home revampers. ‘Try pieces of china, interesting

hats, dolls or other collections,’ she adds. ‘And if you need a creative helping

hand, hire one of our House Doctors™,

rugs or lampshades. You can do the same all over the house,

too. In the bathroom, change EASTER

SALE TIME

The Easter holiday

weekend is traditionally the

most popular time for home

improvement in Britain and

many of the big DIY retailers

have sales, so take the

opportunity to grab

some bargains and

save cash!



HOME

DIY-LITE If you are prepared to do a little bit of redecorating — without going so far as painting the whole room — there’s a lot you can transform. Best of all, you can do it using half-used pots of paint or odd rolls of wallpaper that might otherwise have gone to waste. Create a feature wall with a patchwork of tonally complementary wallpapers (get some free samples from your local DIY store and search ‘patchwork wallpaper’ online for inspiration). Update a piece of wooden furniture — one you already have, or something tired, yet well-proportioned, from a junk shop — with a strong shade of eggshell paint (you could even mix your own colour from leftovers in the attic, suggests Lucy Inskip) and new handles. ‘For a great fire surround,’ Lucy continues, ‘buy a low-cost MDF one and paint it with crackle glaze, which is cheap and quick.’ And for new lampshades, she adds: ‘Those cheap white paper globe lampshades that have been around since the 1970s can be easily customised. Spatter one with some watercolours, covering the whole ball — it looks surprisingly good.’

A few carefully selected and strategically placed accessories can make a big difference to the look of a room. In kitchens, displaying a co-ordinating set of tableware changes everything. Sainsbury’s vibrant Brights range is perfect for a spring lift and pieces cost from just £3 to £8. The range comes in four cheerful shades and includes everything from picnicware and oven gloves to storage canisters and utensils. You can buy it online and in selected stores now.

RE-ACCESSORISE

Protect yourself with home insuranceBuy new Sainsbury’s Premier Cover Home Insurance combined buildings & contents cover and you’ll get double Nectar points on Sainsbury’s shopping for 2 years*.Underwritten by U K Insurance Limited.

■ Call 0800 260 0711, quoting S877 ■ or visit sainsburysbank.co.uk

Please see page 23 for full details.

*Subject to a monthly maximum of 2,500 points.W

ith Premier Cove

r

DOUBLEPOINTS FOR

2 YEARSon Sainsbury’s shopping*



Did you know your garden and front driveway could earn you a few quid?

Robert Nurden explains how

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C2649 PP12-13 Gardens amends.indd 15 03/04/2012 18:01

Rent-a-dRive l In some areas you can make £200 a month from renting your drive to car rental firms such as Zipcar (0333 240 9000; zipcar.com).

l List your space for free at parkatmyhouse.com. Check the going rate for your area on parklet.co.uk (0844 745 4977). A similar service is provided by yourparkingspace.co.uk and parkonmydrive.com.

l Get a contract drawn up that states you’re not responsible for vehicles and ensure your tenant is trustworthy. You may need planning permission – check with your local council.

1 GROW YOUR OWNThe most obvious money-making idea is to turn all that space into

a vegetable garden and grow your own. But why not grow more than you need personally and sell the produce? Spinach, strawberries, beans, courgettes and coriander are prolific. Do a deal to supply them to your local greengrocer or restaurant. Reasonably priced organic vegetables, in particular, are much in demand.

2 FlOWeR pOWeRPropagating bedding plants for gardening shops can be lucrative.

Or tap into the increasing demand for edible flowers, which are loved by health-food stores and upmarket restaurants. Dandelions, roses, violets, pansies and nasturtiums are the most sought-after varieties.

3 SeT Up A STAllFollow the example of allotment holders in

Bradninch, Devon, and set up a roadside stall. Every Saturday in the summer, they erect a table in the town square and sell vegetables, eggs and homemade jams and chutneys to locals and passers-by. Consider doing the same in your front yard.

4 GeT THe BUZZThe bee craze is buzzing and people

are making honey of fantastic quality in urban areas. Contact

the local branch of the British Beekeepers Association

(bbka.org.uk; 0247 669 6679) for training and advice, as well as cheap deals on buying equipment and a swarm.

5 ReNT UNUSeD SpACeWaiting lists for council allotments are getting longer and longer, so why not

rent out some of the spare space in your garden? Remember, having side-gate access is preferable to having strangers traipsing through your living room. Visit spareground.co.uk for advice on how to go about it, and to get help with finding tenants.

6 THROW A pARTYIf you have a

large garden, let it out for events. Parties for children are a good bet. You could even offer a complete package by doing the catering and

booking an entertainer. You’d be

expected to provide a marquee, tables, chairs, and a music system.

DiD You Know?Having trees in your garden

could add to the value of your property, according to the Arboricultural Association. The

organisation says not only do trees look attractive, they provide

shade and protection from winds, cutting

energy bills.

GARDeNiNG

We could all do with a little extra cash to help keep the wolf from the door in these straitened times. And you don’t have to look further than the garden to help you make ends meet.

Here are some ways to make your outside space pay.

Sainsbury’s Nectar Credit Card0% for the first 6 months on purchases0% for the first 15 months on balance transfers (3% fee applies). Plus get double Nectar points on Sainsbury’s shopping for 2 years*.Please see page 22 for full details.

■ Visit sainsburysbank.co.uk

Representative example purchase rate is

16.94% p.a variable with a representative16.9% ApR variable, based on borrowing £1,200 and repaying over 12 months.

*When you pay with your Sainsbury’s Nectar Credit Card & swipe your Nectar Card. To keep the promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Subject to status to UK residents aged 18 or over. Sainsbury’s Bank registered office: 33 Holborn, London EC1N 2HT

Experts say you can charge £800-£850, but you’ll need to get insurance. If you have a very large garden, you could always turn part of it into a campsite and charge up to £20 per person per night to stay. An enterprising Eastender, living near London’s Olympic stadium, has already secured tent bookings for July and August.

7 ROOM iN THe SHeD?More people are renting out spare space in the garden shed. Visit

storemates.co.uk for advice, and to find people looking to house their possessions.

DOUBLEPOINTS FOR


shopping*

C2649 PP12-13 Gardens amends.indd 16 03/04/2012 18:01

W ith the Jublilee and the London2012 Olympic Games on the calendar, there’s a buzz in the air, so why not

take a holiday at home and make sure you don’t miss out on all the excitement.

We’ve lined up a treat for lovers of the Great British countryside – a chance to win a week’s accommodation at the beautiful three-bedroom Yew Tree Cottage in the charming village of Westow, North Yorkshire, with a welcoming Champagne hamper on arrival.

With cobbled streets, great food, a stunning coastline and scenery, the village and the area are one of the jewels of North Yorkshire.

The recently restored cottage sleeps up to 4 people (plus a sofa bed) and provides all the creature comforts guests could want, including

Enter our prize draw for a chance to win a week’s stay at a luxurious country retreat in one of Britain’s most picturesque regions

a luxury kitchen and bathroom, alfresco dining area with barbecue and plenty of space for relaxing and entertaining.

And there’s plenty to do while you’re there – explorers can enjoy fossil hunting on the Jurassic beaches at nearby Robin Hood’s Bay, while Harry Potter fans should take a visit to Hogsmead Station. Helmsley Castle is also well worth a visit and is great after a family picnic, walk or horse ride on the nearby moors.

Find out more about Yew Tree Cottage at yewtreecottagewestow.co.uk. It is one of

many stylish cottages and boutique hotels featured by boutiqueboltholes.co.uk – an online little black book of little-known exceptionally stylish escapes worldwide.

HOW TO ENTERSimply send a postcard stating your name, address and

telephone and Nectar card number to: Yew Tree Cottage

Prize Draw, Sainsbury’s Bank, PO Box 243, Ring Road,

Leeds LS14 1WU; or you can email your details to yorkshire@

sainsburysbankmagazine.co.uk before the closing date.

ENTRY CLOSES 4 JUNE 2012

Terms and conditions: Prize includes seven nights’ self-catering accommodation for four and a Champagne hamper on arrival. The prize does not include travel, spending money, meals, beverages other than stated, activities or excursions, additional cottage services or expenses. Prize must be taken by 31 March 2013 subject to availability, excluding July-August 2012, 21 December 2012-4 January 2013 and all bank holidays. The prize must be accepted as offered and once the trip is booked and confi rmed, any amends to the booking will be at the winner’s cost. General prize draw terms and conditions: 1 Open to UK residents aged 18 and over, except employees of the Sainsbury’s Group of Companies, Lloyd’s Banking Group, Seven Publishing, their subsidiaries or anyone directly involved in this promotion. Only one entry per person, per draw. No third-party or bulk entries. Responsibility cannot be accepted for incomplete, delayed, wrongly delivered or damaged entries or those not received for whatever reason. Proof of posting is not proof of receipt. 2 Entries must be received by 4 June 2012. Prize must be accepted as offered. 3 The winner of the prize draw will be the fi rst name selected at random by an independent person from the prize draw’s entries after the closing date. The winner will be notifi ed in writing by 2 July 2012. If the prize is not claimed within three months of the closing date, a redraw will take place. 4 For details of the winner’s name and county, write to the promoter by2 October 2012 enclosing a SAE (stating the name of the prize draw). 5 Acceptance of the prize will be deemed as permission by the entrant for Sainsbury’s Bank to take publicity photographs and interview the winner and for this material to be used by Sainsbury’s Bank in any media publication. 6 There is no cash alternative to the stated prize. The promoter reserves the right to offer a similar prize or prize of equal or greater value if necessary. 7 The promoter’s decision is fi nal. No correspondence will be entered into. 8 The promoter of this prize draw is Sainsbury’s Bank, Keith House, Redheugh’s Rigg, South Gyle Crescent, Edinburgh EH12 9DQ. Sainsbury’s Finance is a trading name of Sainsbury’s Bank plc.

PRIZE DRAW

win!

Win! Seven nights in beautiful Yorkshire


C2649 pp14 Comp amends v3.indd 6 05/04/2012 09:43

TRAVEL

The international spotlight is firmly focused on the UK this summer. The Queen’s

Diamond Jubilee means a bank holiday bonanza in June, with the London 2012 Olympic and Paralympic Games following in July and August.

There are some fantastic events taking place nationwide, but if you fancy heading further afield, take inspiration from Her Majesty and go on a royal tour of your own. With 54 Commonwealth countries across six continents, there are plenty to choose from. Here are five of the best…P

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Follow in The Queen’s footsteps and celebrate the Diamond Jubilee with

a tour of the Commonwealth. Sarah Barrell chooses her top spots

Majestic destinations

TRAVEL

A road trip is the best way to enjoy the diversity of South Africa. Start in vibrant Cape Town, which blooms with ocean-front boutique hotels, before moving on to tour the Stellenbosch vineyards, where hotels give gourmet travellers exceptional value for money with innovative food-and-wine-pairing menus. Once you’ve had your fill, head to one of the region’s small safari parks, such as the Aquila Game Reserve.

How to get there: Travelbag (travelbag.co.uk; 0871 703 4698) offers fly-drives taking in Cape Town, the coast, the winelands and a game park, from £969 per person, including accommodation, car hire and flights via Doha.

When to go: Year round; their winter, June-September, is cooler, drier and arguably the best time for safaris.

South Africa: City, winelands and safari

C2649 pp15-17 Travel amends_V3.indd 12 05/04/2012 09:44


Cyprus is a great spot for bagging a holiday bargain, with a huge selection of all-inclusive resorts offering travellers excellent value for money. This southern Mediterranean island offers more than just sun and sand. Inland in the south, there are leafy mountains, walking trails and small independent hotels, while the beaches of the north remain largely undeveloped, even offering the chance to spot marine turtles.

How to get there: Airtours (co-operativetravel.co.uk; 0844 225 4225) offers seven nights in Cyprus from £691 per person, staying all-inclusive at the four-star Ascos Coral Beach Hotel in Paphos.

When to go: Spring and autumn are best; July-August can be very hot and busy; winters are mild with scant rain.

Cyprus: Accessible and affordable

With tropical beaches, verdant back-country canals, nature reserves, spice gardens, excellent cuisine and top-notch ayurvedic spas, there is nowhere quite like Kerala in India. And this friendly, part-Christian state has a unique ethnic mix that includes Malayali Indian, colonial European and Arab influences.

How to get there: To get some local flavour, try a trip with Village Ways (villageways.com; 01223 750049), the pioneering rural community-tourism organisation that now offers tours of Kerala, visiting small backwater villages on a houseboat run by local communities. From £632 per person, including two nights in the port city of Kochi and five nights in the backwaters, transfers and most meals. International flights cost extra.

When to go: November-February is warm and dry; April-June is hot and humid; July-October is monsoon season.

India: Community tourism

community-tourism organisation that now offers tours of Kerala, visiting small backwater villages on a houseboat run by local communities. From £632 per person, including two nights in the port city of Kochi and five nights in the backwaters, transfers and most meals. International flights cost extra.

When to go:and dry; April-June is hot and humid; July-October is monsoon season.

Spring and autumn are best; HAPPY & GLORIOUS

Join in the Jubilee celebrations that are happening up and down the country. In London, The Diamond Jubilee Pageant on 3 June will see 1,000 vessels (including

two Sainsbury’s boats) navigate the Thames, led by The Queen in the royal barge, while

Sainsbury’s hosts The Jubilee Family Festival in Hyde Park on 2-3 June. Visit

thediamondjubilee.org to see what events are on

near you.


Get a great deal on travel insuranceWith Sainsbury’s Travel Insurance you get up to 25% off online. See page 23 for details. Provided by FirstAssist Insurance Services Limited and underwritten by Great Lakes Reinsurance (UK) PLC.

■ For travel insurance, visit sainsburysbank.co.uk quoting T1729 and a Nectar card number for an exclusive online discount of 25%■ Or call us on 0800 316 1455

Up to

25%off

online only


The largest Commonwealth country is extremely diverse, from sub-Arctic regions such as the Yukon, to the Rockies in the west, with inland prairies and whale-rich waters. And don’t forget Atlantic Canada — Prince Edward Island, New Brunswick, Newfoundland and Nova Scotia. The latter is the place to be this year for the Titanic memorial events (see the-titanic.com). The fated ship sank off the coast of Nova Scotia 100 years ago this April, and the capital, Halifax, played a crucial recovery role.

How to get there: Bridge & Wickers (bridgeandwickers.co.uk; 020 7483 6555) offers a two-week fly-drive from £2,580 per person, including flights, car hire and B&B accommodation.

When to go: Winters are coldest in the north of the country, while summer temperatures can reach the mid-30s in many provinces.

Canada: Big and beautiful

This English-speaking corner of Latin America has it all — Caribbean coast, a colonial capital (Georgetown), wild savannah and a pristine expanse of Amazon rainforest. Trips to this little-known gem are often adventure- and wildlife-focused, taking travellers to stellar sites such as the stunning Kaieteur Falls, remote Amerindian communities, and on Amazon boat trips to see jaguars, harpy eagles, giant otters and spectacular displays of Victoria Amazonica water lilies.

How to get there: Wilderness Explorers (wilderness-explorers.com; 020 8417 1585) offers 14-day packages from £2,640 per person, all-inclusive. International flights cost extra. Trips are often combined with a beach stopover in nearby Trinidad and Tobago.

When to go: Guyana has a tropical climate all year round; February-April and September-November are dry seasons.

Guyana:The unknown Amazon

TRAVEL

A REGAL ROUTE AROUND BRITAIN

Windsor: The castle, the Changing of the Guard, Savill Garden; there’s much to recommend the Royal Borough of Windsor. From 10-13 May, the Diamond Jubilee Pageant (diamond-jubilee-pageant.com) takes place in the grounds of Windsor Castle, with performances from all over the Commonwealth, the last of which will be attended by The Queen.

Balmoral: This estate, in the pine-forested hills of the Caledonian countryside, has been a Royal residence since 1848. Land Rover safaris are a popular way to tour the 50,000-acre grounds and surrounding Cairngorms National Park. Visit balmoralcastle.com for information.

Anglesey: The Welsh island has been on the Royal map since the Duke and Duchess of Cambridge set up home in a remote cottage there in 2010. It’s a great destination for wild coastal walks and beautiful beaches. Go to visitanglesey.co.uk for further details.

This English-speaking corner of Latin America has it all — Caribbean coast, a colonial capital (Georgetown), wild savannah and a pristine expanse of Amazon rainforest. Trips to this little-known gem are often adventure- and wildlife-focused, taking travellers to stellar sites such as the stunning Kaieteur Falls, remote Amerindian communities, and on Amazon boat trips to see jaguars, harpy eagles, giant


This English-speaking corner of Latin America has it all — Caribbean coast, a colonial capital (Georgetown), wild savannah and a pristine expanse of Amazon rainforest. Trips to this little-known gem are often adventure- and wildlife-focused, taking travellers to stellar sites such as the stunning Kaieteur Falls, remote Amerindian communities, and on Amazon boat trips to see jaguars, harpy eagles, giant otters and spectacular displays of Victoria Amazonica water lilies.



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MOTORING


Satnavs contain up to 6m bits of data, such as roundabouts, fuel stations, banks, ATMs and hospitals,

along, of course, with roads, so the challenge of keeping them 100% up to date is immense. In response to some high-profi le mishaps, the government convened a satnav summit, which aimed to bring all the interested parties – satnav producers, data providers, mobile phone companies, local councils and motoring groups – together to work out how best to utilise the potential of satnavs.

A trigger for the summit was a decision to devolve rulings on

Joined-up thinking is helping to make satnavs

more reliable and up to date, says Mark Rowe

how roads should be designated to local authorities. ‘Since the 1960s, if a council wanted to change the category of a road it had to come to central government for permission. Things should become more

integrated under this proposal,’ says a Department for Transport spokesperson. ‘The intention is to make the management of roads better and ensure everything is joined up.’ Such a move will require local council

road planners to liaise more swiftly with satnav providers to update

changes: for example, downgrading a highway from A- to B- road status.

The summit also addressed

how satnavs respond to live-time, changing conditions. ’After a crash on the M4, the Highways Agency diverts traffi c off the motorway,’ says Tim Shallcross, head of technical policy at the Institute of Advanced Motorists. ‘But a load of traffi c then gets dumped on a local town centre. We need a way for town planners to sit down with satnav companies and decide what diversions should be suggested when major roads get closed.’

Shallcross says future improvements in dynamic re-routing – routes changing as you drive along in response to live road conditions — will help solve many satnav problems. ‘But we need to have a consistency in technology, which means all the satnav and phone companies talking to each other,’ he says.

Heading in the

right direction

Rewarding car insurance for new customersDouble Nectar points for two years on Sainsbury’s shopping and fuel if you hold a new comprehensive Sainsbury’s Premier Cover Car Insurance policy for 2 years. Please see page 22 for full details. Underwritten by U K Insurance Limited.

■ Call 0800 096 1963* quoting W2509■ or visit sainsburysbankco.uk

*Calls may be monitored and recorded.

Good advice● Regularly update your satnav to ensure it has all the latest technical features.

● A satnav will often give you at least two choices of route to your destination. Look closely at these to decide which is the most appropriate for your vehicle.● Is there more than one place with the same name? When entering your destination, double-check you’ve got the right one.

● Don’t over-rely on the satnav. ‘Blindly following a satnav is a recipe for disaster,’ says the AA’s Paul Watters. ‘How people end up in rivers or stuck on bridges is beyond me. After all, you have a windscreen to see through, you have a foot on the accelerator, and you also have a brain.’● Always carry a physical road atlas as a back-up.

With Premier Cove

r

DOUBLEPOINTS FOR


C2649 PP18 motor amends.indd 15 03/04/2012 17:55

PETS


Travelling with pets made easierNow it’s even simpler to take your pet on holiday, reports Rhiannon Batten

R ecent changes to the rules governing quarantine and vaccination for animals coming into the UK from abroad are good

news for people who want to travel with their pet. While the Pet Passport scheme, introduced in 2000, made things easier, more recent changes mean that it should now be even cheaper and less time-consuming to take your pet on holiday.

Prior to the changes, anyone who wanted to travel with an animal and bring it back

into Britain needed to vaccinate their pet against rabies six months before re-entering the country, then have them undergo a blood test a month

later to ensure that the vaccine had worked. But on 1 January this year, the

rules were relaxed to bring the UK into line with European Union (EU) regulations. Now, animals need only be vaccinated 21 days before re-entering the country, and they don’t

need to undergo the later blood test. As long as your pet has its passport, it can come

and go with you much more easily within the EU. The new rules mean you’ll save money (the blood test was around £100) and you’ll no longer have to plan your travel months in advance. But if you’re taking your pet further afi eld, be warned that stricter rules apply for animals entering the UK from certain non-EU countries. Visit Defra’s Pet Travel Scheme (PETS) website at defra.gov.uk for advice about travelling with pets. P

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BARK & RIDECaroline Kisko of the Kennel Club (thekennelclub.org.uk) offers advice on travelling with dogs

● Check restrictions on how and where your dog may travel with the ferry company or rail operator you’re using. Most ferry companies will not allow dogs on the decks.

● Transport your dog using a dog guard, dog crate or canine harness. It’ll feel more secure in its own space. Some countries insist that they wear canine seat belts or travel in a crate — check before you go.

● Ensure your dog has plenty of ventilation and shade in the car and that fresh drinking water is readily available. Make regular stops to exercise your dog.

● Keep your dog on a lead in all public places and make sure they’re sociable and obedient. The Kennel Club Good Citizen Dog Training Scheme can help.

● Make sure your dog wears an identification collar and tag with your contact details.

(thekennelclub.org.uk) offers advice on travelling with dogs

Check restrictions on how

With Option 2

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More rewarding pet insurance for cats & dogsChoose our pet insurance, provided by AXA Insurance UK plc, and get double Nectar points on Sainsbury’s shopping for 2 years*.

■ Call 0800 218 2411, quoting P1822 ■ or visit sainsburysbank.co.uk*Option 2 (up to £7,500 vet fees cover).


C2649 pp19 Pets V06.indd 15 05/04/2012 09:03


Forget shelling out on a personal trainer, says Jonathan Thompson, the answer’s in your pocket. Start shaping up with these brilliant free apps

Help protect your family’s fi nancial futurewith Sainsbury’s Life Insurance, provided by Legal & General Assurance Society Limited.


■ Call 0800 294 9076*

quoting S10

■ or go to sainsburysbank.co.uk *Calls may be monitored and recorded.

DOUBLEPOINTS FOR


shopping*

DOWNLOAD YOUR PERFECT BODY

iBIKE DASHAvailable for: iPhoneInstantly turns your mobile phone into a bike computer. While you’re cycling, you can measure speed, heart rate, power and cadence — and then attempt to beat your scores on your next ride. Thanks to GPS maps, you can email your ride to anyone at the touch of a button (and more importantly, you won’t get lost en route).Geek Squad Rating: 8.5/10

P ut down those dumbbells and cut up that expensive gym membership. The key to your dream body could

very well be your mobile phone. The UK apps market is now worth a mind-boggling £907m a year, with 1.15bn apps downloaded in 2011 alone. Many of the biggest sellers are focused on health and fitness — using cutting-edge technology to help you get trim

and monitor your health and fitness levels. Even better, there are plenty of free apps to get you started. To help you achieve your own million-pound body, we’ve rounded up this selection for you to road test, with ratings by Chris Tufts of technology experts Geek Squad. Remember, it’s a good idea to check with your GP before embarking on an exercise or diet programme.

BUPA SMART RUNNERAvailable for: iPhoneFor all ability levels (even the most pedestrian of us),

this is designed to help inject more variety and fun into your running. Log any niggles in the diary, access free advice from Bupa’s leading experts, and watch those personal bests just get better and better.Geek Squad Rating: 8.5/10

ADIDAS miCOACH Available for: Android, iPhone, Blackberry This vastly impressive app uses GPS and real-time voice-coaching in your ear to guide you through easy-to-understand, personalised workout plans, depending on your sporting

goals. Just pop your headphones in and start to whittle away that waistline.Geek Squad Rating: 9.5/10

C2649 PP20-21 Fitness amends.indd 15 03/04/2012 18:02

HEALTH & FITNESS


Stuart Stark, a 24-year-old from Hertfordshire, put on 21⁄2 stone during a 12-month stint working in Florida. Fortunately, the extra pounds weren’t the only thing Stuart brought back with him: he’d bought an iPad too. ‘I looked at health and weight-loss apps online, and downloaded MyFitnessPal,’ he says. ‘It tracks everything you’re eating and the exercise you’re doing, to work out your daily calorie burn. All you have to do is stay within the targets, and the weight vanishes.’ Stuart shed 20 pounds in the first six weeks. ‘The app is really helpful: not just for organising your diet and fitness, but also for motivation,’ he says. ‘I can fit into my old clothes again, and feelmuch more confident and full of energy.’

‘I DOWNSIZED BY DOWNLOADING’

and fitness, but also for motivation,’ he says. ‘I can fit into my old clothes again, and feelmuch more confident and full of energy.’

M-TrainAvailable for: iPhoneA spoonful of Brown Sugar by the Rolling Stones helps the medicine go down. M-Train

offers simple, step-by-step fat-burning workouts to your own music. You select the tunes, it selects the moves.Geek Squad Rating: 7/10

NIKE TRAINING CLUBAvailable for: iPhoneA fitness app that makes you feel like a celebrity. Nike Training Club gives you your own personal trainer, anytime, anywhere. Get lean and toned with more than 85 custom-built workouts, including training regimes from professional athletes and Hollywood trainers.Geek Squad Rating: 9/10

EVERYDAY HEALTHAvailable for: iPhoneA digital health oracle, this is like having an entire surgery of GPs in your pocket. Provides smart daily health tips, information on medical conditions and nutrition facts on hundreds of snacks, so you can keep your weight-loss targets on track.Geek Squad Rating: 8/10

C25KAvailable for: iPhone Android, BlackberryA simple promise: to take beginners from couch potatoes to 5km distance runners in eight weeks. It’s an achievable goal for everyone, and this app will be with you every step of the way. Then just head to runnersworld.co.ukand choose your race.Geek Squad Rating: 9/10

MYFITNESSPAL CALORIE COUNTER & DIET TRACKERAvailable for: iPhone, Android, BlackberryWith more than 1.2 million foods in its database, this is the most advanced calorie counter out there. Fill in your diet and exercise diaries, follow your

personalised instructions, and watch the weight drop away.Geek Squad Rating: 10/10

JEFITAvailable for: Android, iPhoneAn app designed to help you crush your most difficult competition —yourself. Not only does it contain the most expansive exercise database around, it stores all your physical measurements (everything from waist to biceps), so you can keep track of them, set benchmarks and beat them.Geek Squad Rating: 8.5/10

NOOM Available for: Android‘The intelligent weight loss app’, Noom’s personal coach selects the most effective tasks for

you to shed pounds based on your lifestyle. It tracks your progress, gives you a ‘Noom score’ and adjusts your workouts accordingly.Geek Squad Rating: 8/10

C2649 PP20-21 Fitness amends v2.indd 16 04/04/2012 11:28


Directory

Extra SaverOpen our easy access savings account with as little as £1.

0500 40 50 60 Quote reference: Y3087Important information about compensation arrangements. We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts, each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the bank, including their share of any joint account, and not to each separate account. For further information about the scheme (including the amounts covered and eligibility to claim) please call us on 0500 40 50 60 refer to the FSCS website fscs.org.uk or call 020 7741 4100 or 0800 678 1100. Deposits with us are held with Sainsbury’s Bank plc. Please note that accounts with Sainsbury’s Bank include accounts in its trading name, Sainsbury’s Finance. The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with Sainsbury’s Bank.

Sainsbury’s Nectar Credit CardExclusive to Nectar card holders, 0% for the first 15 months on balance transfers (3% fee applies) and 0% for the first six months on purchases.*And double Nectar points on your Sainsbury’s shopping for two years**Representative example: purchase rate is16.94% p.a variable, with a representative

16.9% APR variable, based on borrowing

£1,200 and repaying over 12 months

sainsburysbank.co.uk*Available to new customers only. To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. **When you pay with your Sainsbury’s Nectar Credit Card and swipe your Nectar Card. With a Sainsbury’s Nectar Credit Card 2 Nectar points are earned on each full £1 of each separate transaction made on shopping at Sainsbury’s for the first 2 years the account is opened. Points are not available on a limited range of Sainsbury’s goods and services – see in store or sainsburys.co.uk/nectar for details. Excludes Sainsbury’s Telecoms and Energy which will be treated as non- Sainsbury’s purchases. For non-Sainsbury’s purchases 1 Nectar point is earned on each full £5 of each separate transaction. Nectar points may take up to six weeks to appear on your account. Sainsbury’s Bank plc and Sainsbury’s Supermarkets Limited reserve the right to alter or terminate the Nectar point offer at any time, without the need for prior notice. The Nectar point collection programme is subject to the Nectar Collector Rules, which are set out in the registration pack brochure and are also available on www.nectar.com. Sainsbury’s Supermarkets Limited Nectar points conditions apply. Please see www.sainsburys.co.uk for details. Credit available subject to status to UK residents aged 18 or over from Sainsbury’s Bank plc, Pitreavie Business Park, Dunfermline, Fife KY99 4BS.

To find out more about our products, use the contact details

below or visit sainsburysbank.co.uk

Buying option 2 gives you double Nectar points on every Sainsbury’s shop for 2 years.*

0800 218 2411 Quote reference: P1822Pet Insurance Sainsbury’s Bank PetCare is a registered trademark of Sainsbury’s Bank plc, and is underwritten by AXA Insurance UK plc. Registered in England No. 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. The policy is subject to the law of England and Wales. Insurance applies to cats and dogs only. Lines are open 8am–9pm Monday to Friday, 9am–6pm Saturday and 10am–2pm Sunday.

*Double Nectar points terms and conditions1 Offer only available to new pet insurance customers who buy option 2 (up to £7,500 vet fees cover). 2 Customers must renew their pet insurance policy with the same level of cover at first renewal to continue earning double points. 3 If the policy is cancelled, double points will cease from the cancellation date. 4 Only the first pet insurance policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. 5 Base points on qualifying spend in Sainsbury’s will be earned as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. General double Nectar points terms and conditions also apply – see bottom of opposite page for details.

Pet Insurance

Double Nectar points for two years on Sainsbury’s shopping and fuel.* (You will need to hold a new comprehensive Sainsbury’s Premier Cover Car Insurance policy for 2 years to continue receiving your double points).

0800 096 1963 Quote reference: W2509Sainsbury’s car insurance is underwritten by U K Insurance Limited, The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England No. 1179980. U K Insurance Limited is authorised and regulated by the Financial Services Authority. Calls may be recorded. Sainsbury’s Finance

Car Insurance

Shopper Reward Loan Exclusive online rate of 6.9% APR representative on loans from £7,500 to £15,000 for Sainsbury’s shoppers with a Nectar card.* Plus £25 Sainsbury’s gift card and double Nectar points on every Sainsbury’s shop for 2 years.**

0800 055 6739*You must have shopped instore in the past 6 months. We may check your Nectar account to verify this. You must quote your Nectar card number when you apply. Loans are provided, subject to status, by Sainsbury’s Bank plc, Tower House, Charterhall Drive, Chester CH88 3AN. Written quotations are available on request. To apply, you must be at least 18 and a UK resident (excluding the Channel Islands and the Isle of Man). The APR you are offered will depend on your personal circumstances, credit assessment procedures, job or pension and other related factors. Your application will not be considered without your home telephone number. You must also be in permanent paid employment, self employed or retired with a pension. The rate is subject to change.

Data Protection Act To see how we use your information and how to give your consent, please read the privacy statement on our website http://www.sainsburysbank.co.uk/privacypolicy or ask for a printed copy of this. We will search credit reference and fraud prevention agencies to check your identity, credit status and help us make decisions. For this application, we will assess you on your own (except where there is another party to this application). By signing/submitting the application, you declare that your financial associate’s finances will not affect our decision. We check your declaration and may decline the application if it is inaccurate. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further details explaining how information held by the fraud prevention agencies may be used can be obtained by reading the privacy notice at www.sainsburysbank.co.uk/privacypolicy or by telephoning 0845 602 7174. We will share your details (other than financial information) with Sainsbury’s Supermarkets Ltd and use it to contact you by mail, telephone, email, SMS or otherwise about other products and services that may be of interest to you. If you do not wish to receive this information please visit www.sainsburysbank.co.uk/privacypolicy for details on how to opt out of this service.

**Shopper Reward Loan terms and conditions 1 Offer only available to customers applying online for a new loan. The application must be accepted and the loan paid out to qualify for the gift card or double Nectar points. 2 Offer only available to Sainsbury’s shoppers with a Nectar card which has been swiped in store or used online with Sainsbury’s in the last 6 months. We may check your Nectar account to verify this. You must enter your Nectar card number at the time of application. 3 The loan must be for an amount between £7,500 to £15,000 and must be taken over a period of between 12 and 62 months. 4 Gift card to the value of £25 will be sent out within 60 days of agreement commencing. 5 Gift cards can only be redeemed in store or at a Sainsbury’s petrol filling station. 6 Gift cards cannot be exchanged for cash or used in conjunction with any other offer, promotion or coupon. 7 Only one Gift card per household. 8 If you miss any repayments, double Nectar points will stop at the end of the month this happens and will not be re-instated, even if the loan is brought back up to date. 9 If the loan is repaid, double points will stop from the date of repayment. 10 Only the first loan registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. 11 Base points on qualifying spend in Sainsbury’s will be earned as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the date the loan is paid out. Excludes all Bonus point offers and points from Sainsbury’s Energy, Telecoms, Digital, Bank, Diets and all other Sainsbury’s services. 12 The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury’s purchase and points will not be allocated retrospectively. 13 The collection and use of Nectar points in the Nectar loyalty programme is governed by the Nectar Collector Rules set out in the registration pack and available at www.nectar.com 14 Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice. 15 Any loans subsequently cancelled within 14 days of opening will be ineligible.

Quote reference: MM09 Different rates apply to telephone applications.

C2649 PP22-23 Directory amends.indd 6 03/04/2012 17:51


General double Nectar points terms and conditions (excluding Credit Cards)1 Excludes all Bonus point offers and points from Sainsbury’s Energy, Telecoms, Digital, Bank, Diets and all other Sainsbury’s Services. 2 The monthly bonus will only be calculated on, and credited to, the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury’s purchase and points will not be allocated retrospectively. 3 The collection and use of Nectar points in the Nectar loyalty programme is governed by the Nectar Collector Rules set out in the registration pack and available at nectar.com. 4 Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

Important informationSainsbury’s Bank plc, Registered Office: 33 Holborn, London EC1N 2HT (registered in England, No. 3279730) is authorised and regulated by the Financial Services Authority (FSA). Registered No. 184514. Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc, which operates under an independent banking licence. Sainsbury’s Finance is a trading name of Sainsbury’s Bank plc. Terms, conditions, exclusions and limitations apply to all products mentioned in this magazine. Copies of full policy wordings and complaints procedures are available on request or by visiting sainsburysbank.co.uk. All information correct at time of going to press. Telephone calls may be monitored or recorded under quality control procedures.

Information is available in large print, audio and Braille. Please call for details. You may also contact us using Text Relay on 18001 0800 096 0407.


Travel InsuranceCarefree travels with Sainsbury’s Travel Insurance plus 25% off when you buy online.*

0800 316 1455 Quote reference: T1729

Travel MoneyGet foreign currency at great rates, instantly, from our instore bureaux at selected stores. Or get next day delivery if you buy online or by phone.*

0845 301 2724*Travel Money Next day delivery to your home if purchased by 2pm (online) or 2:30pm (phone), Monday to Thursday. Conditions and charges apply. Sainsbury’s Travel Money online and instore is provided by Travelex Agency Services Limited, registered number 4621879. Sainsbury’s Travel Money ordered by telephone is provided by Travelex Currency Services Limited, registered number 03797356. Registered office for both companies: 65 Kingsway, London WC2B 6TD. Lines open 8am–10pm, Monday to Friday and 10am-8pm, Saturday and Sunday, plus bank holidays. Calls may be monitored or recorded for quality control procedures.

Home InsuranceBuy a new combined buildings & contents Sainsbury’s Premier Cover Home Insurance policy and you’ll get double Nectar points on your Sainsbury’s shopping for 2 years (subject to a monthly maximum of 2,500 points; policy must remain live for 2 years for double Nectar points to continue).*

0800 260 0711 Quote reference: S877Home Insurance Sainsbury’s home insurance is underwritten by U K Insurance Limited, which is authorised and regulated by the Financial Services Authority. Registered address: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980.

*Double Nectar points terms and conditions 1 Offer only available to customers who take out a new combined buildings and contents Sainsbury’s Premier Cover Home Insurance policy. Excludes buildings only cover and contents only cover. 2 Customers must renew both buildings and contents cover at the same level of cover at first renewal to continue earning double points. 3 If the policy is cancelled, double points will cease from the cancellation date. 4 Only the first combined buildings and contents policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. 5 Base points on qualifying spend in Sainsbury’s will be earned as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points per qualifying product type) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus points offers and points from Sainsbury’s Energy, Telecoms, Digital, Bank, Diets and all Sainsbury’s services. 6 The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury’s purchase and points will not be allocated retrospectively. 7 The collection and use of Nectar points in the Nectar loyalty programme is governed by the Nectar Collector Rules set out in the registration pack and available at www.nectar.com 8 Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

Life InsuranceHelp protect your family’s financial future from just £5 a month* and collect double Nectar points on your Sainsbury’s shopping for 2 years.**

0800 294 9076 Quote reference: S10*Your cover will depend on your individual circumstances and needs and the premium you choose to pay.

Life Insurance Life Insurance is provided by Legal & General Assurance Society Limited. Registered in England No. 166055. Legal & General do not provide advice or personal recommendations on this product. If you are unsure of your suitability, please contact your financial adviser. Lines are open 8am–8pm Monday to Friday and 9am–5pm Saturday. Calls may be recorded and monitored.

**Double Nectar Points terms and conditions 1 Offer only available to customers who take out a new Sainsbury’s Life Insurance policy, excluding Sainsbury’s Over 50s Fixed Life Insurance Plan. 2 You must continue to pay policy premiums for 2 years to continue earning double points. 3 If the policy is cancelled, double points will cease from the cancellation date. 4 Only the first Life Insurance policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. 5 Base points on qualifying spend in Sainsbury’s will be earned as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus point offers and points from Sainsbury’s Energy, Telecoms, Digital, Bank, Diets and all other Sainsbury’s services. 6 The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury’s purchase and points will not be allocated retrospectively. 7 The collection and use of Nectar points in the Nectar loyalty programme is governed by the Nectar Collector Rules set out in the registration pack and available at www.nectar.com 8 Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

cannot provide quotes for existing Sainsbury’s car insurance customers who have a policy in force before 31st May 2011. New customers only.

*Double Nectar Points Offer terms and conditions 1 Offer only available to customers who take out a new comprehensive Sainsbury’s Premier Cover Car Insurance policy. 2 Customers must renew their policy with at least the same level of cover at first renewal to continue earning double points. 3 If the policy is cancelled, double points will cease from the cancellation date. 4 Only the first car insurance policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. 5 Base points on qualifying spend in Sainsbury’s will be earned as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus point offers and points from Sainsbury’s Energy, Telecoms, Digital, Bank, Diets and all other Sainsbury’s services. 6 The monthly bonus will only be calculated on, and credited to the Nectar card nominated at time of application. The nominated card must also be used at the time of each Sainsbury’s purchase and points will not be allocated retrospectively. 7 Collection and use of Nectar points in the Nectar loyalty programme is governed by the Nectar Collector Rules set out in the registration pack and available at www.nectar.com 8 Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

*To qualify for the 25% discount, a valid Nectar card number and source code must be quoted at time of purchase. Otherwise a 20% online discount applies. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotions without prior notice. Not to be used in conjunction with any other offer or coupon.

Travel Insurance is provided by FirstAssist Insurance Services Limited and underwritten by Great Lakes Reinsurance (UK) PLC. Both companies are authorised and regulated by the Financial Services Authority. Lines are open 8am–8pm Monday-Friday, 8am–7pm Saturday, 9am-5pm Sunday.

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£50 Sainsbury’sGift Card

†

*Double Nectar points. 1. Offer only available to customers who take out a new Pet Insurance Option 2 policy (up to £7,500 vets fees cover). 2. Customers must renew their policy with the same level of cover at first renewal to continue earning double points. 3. If the policy is cancelled, double points will cease from the cancellation date. 4. Only the first Pet Insurance policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products. 5. Base points on qualifying spend in Sainsbury’s will be earned as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus point offers and points from Sainsbury’s Energy, Telecoms, Digital, Bank, Diets and all other Sainsbury’s services. 6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each Sainsbury’s purchase and points will not be allocated retrospectively. 7. The collection and use of Nectar points in the Nectar loyalty programme is governed by the Nectar Collector Rules set out in the registration pack and available at www.nectar.com 8. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the offer without prior notice.†£50 Sainsbury’s gift card is an introductory offer available to new customers with a Nectar card who quote and buy an Option 2 policy by telephone up to and including 4th June 2012. £100 minimum premium applies. The gift card will be issued 60 days post policy start date. If you cancel within this period your gift card will not be issued. Not available online. Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc. Sainsbury’s Finance is a trading name of Sainsbury’s Bank plc. Sainsbury’s Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England no. 3279730) is authorised and regulated by the Financial Services Authority. Registered number 184514. Terms, conditions, exclusions and limitations apply. A copy of the full policy wording and complaints procedure is available on request or by visiting sainsburysbank.co.uk Calls free from a landline only. Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Sainsbury’s Bank Pet Insurance is underwritten by AXA Insurance UK plc. Registered in England No 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD. The policy is subject to the law of England and Wales. Insurance applies to cats and dogs only. MCS-187 04/2012 BCA04512

Sainsbury’s Bank Pet Insurance offers two levels of cover – Option 1 provides up to £3,000 vet fees cover per condition and Option 2 covers up to £7,500 per condition. If you quote and buy Option 2 by telephone by 4th June 2012 we’ll give you a £50 Sainsbury’s gift card. Offer exclusive to Nectar card holders (minimum £100 premium applies)†.


With Option 2

DOUBLEPOINTS FOR


Pet Insurance. Because pets are one of the family.Provided by AXA Insurance UK plc

For Pet Insurance, call

0800 012 1604Quoting P1870

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Date: 29.03.12 Operator: Phil

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T +44 (0)20 7863 9400 F +44 (0)20 7863 9500 [email protected]

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Sainsbury's Bank Money Matters: Spring 2012

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