Choose the cover you need

Types of cover

  • Buildings cover

  • Contents cover

  • Combined buildings and contents cover

Santander Home Insurance could cover you for damage from

  • Fire

  • Smoke 

  • Lightning

  • Explosion

  • Earthquake

  • Storm and flood

  • Theft

  • Escape of water

New: 10% cashback for 1|2|3 World and Santander Select customers
You could get 10% cashback on your first year’s premium when you buy a new Santander Home Insurance policy. To qualify you must be a 1|2|3 World or Santander Select customer when you take out the home insurance and when the cashback payment is made. Your new home insurance policy must not be cancelled before the cashback payment is made. The 10% cashback will be paid within 90 days of the policy start date. 
This offer can be withdrawn at any time and terms and cashback details can be found in the terms and conditions (pdf)
  • Our unlimited buildings and contents cover has a Defaqto 5 Star Rating, described as one of the most comprehensive offerings on the market.
  • Our contents cover of up to £25,000 for properties with 3 bedrooms or fewer has a 3 Star Rating.
It’s also reassuring to know that if you need to make a claim on your Santander Home Insurance, there’s help and support available when you need it most.

Please read the important information below before getting a quote.

Get a quote and apply online or call us on 0800 169 4905.

In addition, earn 2% cashback

If you hold a 1|2|3 Current Account or a 1|2|3 Lite Current Account, you’ll get 2% cashback on Santander home insurance policies administered and underwritten by Aviva Insurance Limited when you pay by Direct Debit from the account.

What you need to do

There’s a £5 monthly account fee on the 1|2|3 Current Account and a £1 monthly account fee on the 1|2|3 Lite Current Account. These will be taken from your account automatically each month.

To earn cashback and interest you need to:

  • Pay in at least £500 a month - any interest paid, and payments between Santander personal accounts you’re named on won’t count towards the monthly funding amount
  • Have at least 2 active Direct Debits
  • For the 1|2|3 Lite Current Account only, you must also log on to Online or Mobile Banking at least once every three months. 

Please note that the 1|2|3 Lite Current Account does not pay interest.

Only a phone call away

With Santander Home Insurance your dedicated customer service team, managed by Aviva Insurance Limited, is only a phone call away:

  • UK-based claims team
  • Open for you to make a new claim 24/7, 365 days a year
  • A named personal claims manager to manage any claim from beginning to end aiming to keep you fully informed throughout
Other reasons to move:
  • You won’t be charged interest for paying your premium monthly by Direct Debit
  • You won’t be charged a fee for amending your policy mid-term
  • Any cancellation fee you’re charged by your insurer will be refunded when you switch. Simply download a copy of our cancellation fee claim form and send it along with proof that you’ve cancelled your old policy and evidence of the cancellation fee to our freepost address found printed on the cancellation form.
Please make sure you have a new policy in place before cancelling the existing one, so there are no gaps in your cover.

To find out more about our other insurance policies, take a look at our full range.