Santander Home Insurance

Administered and underwritten by Aviva Insurance Limited.

Pick from our Everyday or Premier cover below to help protect your home

  • Choice of buildings, contents or combined buildings and contents cover
  • No fee for paying monthly by Direct Debit
  • We’ll refund cancellation fees from your current provider if you switch – just provide evidence of the fee, complete our form (pdf) and make sure your new policy is in force before cancelling your old one
  • 2% cashback for 1I2I3 Current Account customers if you pay by Direct Debit – find out more
  • Cover is subject to terms and conditions, restrictions and exclusions, please read important information for more details and our Terms of Business.

Our levels of cover

Everyday
Premier
Buildings sum insured (in case you need to rebuild or repair the main structure of your home)Up to £500,000Unlimited
Contents sum insured (for loss or damage to the possessions in your home)Up to £50,000Unlimited
Alternative accommodationUp to £25,000Unlimited
Accidental damageOptionalOptional
Tracing and accessing of leaksUp to £2,500Up to £5,000
Replacement locks if your keys are lost or stolenUp to £250Unlimited
24/7 UK based claims line, 365 days a year
Named personal claims handler
Contents lost, stolen or damaged beyond repair replaced with new ones
Choice of buildings and contents excess£200-500£100-500
Minimum excess for escape of water£350£100
Defaqto rating
What is Defaqto?
Defaqto is an independent financial information business. Their Star Rating reflects the level of features and benefits offered within a financial product. The more comprehensive the level of features and benefits offered by a product, the higher the Defaqto Star Rating it is given.

Everyday

Buildings sum insured (in case you need to rebuild or repair the main structure of your home)Up to £500,000
Contents sum insured (for loss or damage to the possessions in your home)Up to £50,000
Alternative accommodationUp to £25,000
Accidental damageOptional
Tracing and accessing of leaksUp to £2,500
Replacement locks if your keys are lost or stolenUp to £250
24/7 UK based claims line, 365 days a year
Named personal claims handler
Contents lost, stolen or damaged beyond repair replaced with new ones
Choice of buildings and contents excess£200-500
Minimum excess for escape of water£350
Defaqto rating
What is Defaqto?
Defaqto is an independent financial information business. Their Star Rating reflects the level of features and benefits offered within a financial product. The more comprehensive the level of features and benefits offered by a product, the higher the Defaqto Star Rating it is given.

Premier

Buildings sum insured (in case you need to rebuild or repair the main structure of your home)Unlimited
Contents sum insured (for loss or damage to the possessions in your home)Unlimited
Alternative accommodationUnlimited
Accidental damageOptional
Tracing and accessing of leaksUp to £5,000
Replacement locks if your keys are lost or stolenUnlimited
24/7 UK based claims line, 365 days a year
Named personal claims handler
Contents lost, stolen or damaged beyond repair replaced with new ones
Choice of buildings and contents excess£100-500
Minimum excess for escape of water£100
Defaqto rating
What is Defaqto?
Defaqto is an independent financial information business. Their Star Rating reflects the level of features and benefits offered within a financial product. The more comprehensive the level of features and benefits offered by a product, the higher the Defaqto Star Rating it is given.

The above table is a summary and full details of the cover limits are available. Policy terms, conditions, exclusions and cover limits apply. Further details are in the Policy Summary and Policy Booklet in our Key Documents section.

Additional cover available at an extra cost

Personal belongings

More info
A wider level of cover for your personal belongings, pedal cycles and money for losses or damage in and away from the home, anywhere in the world

Accidental damage

More info
Additional cover for accidents around the home such as wine spilt on a carpet or sofa if you have contents cover or, if you have buildings cover, putting your foot through a ceiling when carrying out DIY

Legal services

More info
This could provide a lawyer, if you need one, and up to £50,000 in legal costs to pursue or defend disputes in court

Home emergency cover

More info
Up to £1,000 per claim to cover parts, labour and VAT. If there's an emergency in your home that's covered by the policy, an approved tradesperson could take care of the repairs

Earn cashback

Get 2% cashback if you pay by Direct Debit
1|2|3 Current Account or 1|2|3 Lite Current Account holders get 2% cashback on Santander home insurance policies administered and underwritten by Aviva when you pay by Direct Debit.

The 1|2|3 Current Account has a £5 monthly account fee and the 1|2|3 Lite Current Account has a £1 monthly account fee. To earn cashback you must pay in at least £500 a month (excludes internal transfer) and have at least two active Direct Debits. 1|2|3 Lite Current Account customers must also log on to Online or Mobile Banking at least once in every three months.

Cashback is paid monthly. You may hold a maximum of two 1|2|3 Current Accounts, one in your name and one in joint names. You must be 18 or over and a UK resident. For details of our fees and interest rates, visit santander.co.uk or ask for the latest Key Facts Document in branch.

Need more help?

Make a claim

Find the right telephone number to claim on your Santander Home Insurance policy

Key documents

Policy terms and level of cover in detail

FAQs and Support

Find answers to commonly asked questions or see our online guides and demos