Choose cover to suit you
Contents insurance which is ideal if you’re renting
Cover for loss or damage to your landlords fixtures and fittings that you’re responsible for
Add accidental damage and other optional extras, so you only pay for these if you need them
UK-based claims team. It’s quick and easy to register your claim online
Choice of Classic or Plus cover
What's more
No interest on monthly premiums
No charge to make changes to your policy
Earn 2% cashback on your home insurance when you pay from certain Santander current accounts
Choose from our levels of cover - Classic and Plus
We can offer you the choice between two levels of defaqto rated cover: our Classic policy or our Plus policy. See the table below to compare the differences between the two.
The table below provides a summary of the features of each cover level. Full details of our cover limits (82 KB)are available.
| Product features | Classic | Plus |
|---|---|---|
| Content sum insured. This covers loss or damage to the possessions in your home. | Up to £50,000 | Unlimited |
| Cover limit for valuables in your home. | £20,000 | £50,000 |
| Alternative accommodation. | Up to £25,000 | Unlimited |
| Replacement locks if your keys are lost or stolen. | Up to £250 | Unlimited |
| Accidental damage. | Optional | Optional |
| Content lost, stolen or damaged beyond repair replace with new ones. |  | |
| Tenants' liability cover. | | |
| Optional legal services, available at an additional cost to cover disputes with a landlord over a tenancy agreement, for example. | | |
| Option to cover personal belonging and valuables away from the home (available at an additional cost). | | |
| UK-based claims team to support you with every step of your claim. | | |
| Minimum excess for escape of water. | £450 | £450 |
| Choice of contents excess. | £100-£500 | £100-£500 |
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's given. |  |  |
Policy terms and conditions, other cover limits, restrictions and exclusions apply. Please read the important information for more details and our Terms of Business.
What is contents insurance?
Contents insurance protects your belongings against the cost of unexpected things happening, such as:
- theft
- vandalism
- fire
- or flooding.
Many people combine contents cover with their buildings insurance. This is so they can protect their personal items as well as their home.
If you rent your home, you may not need buildings insurance as it's usually your landlord's job to take care of that. But most landlords won't cover your own belongings. Because of this, you may want to take out contents insurance for extra cover.
2% cashback
Earn 2% cashback on Santander Home Insurance premiums, (administered and underwritten by Aviva Insurance Limited) when you pay by Direct Debit from your 1|2|3, Select or 1|2|3 Lite Current Account .While you can't open these accounts anymore, you can still earn cashback.
The amount of cashback you can earn is capped at £5 per month in each of the 1%, 2% and 3% cashback categories.
Tailor your policy to suit your needs with additional cover available for an extra cost.
Personal belongings
A wider level of cover for your belongings and personal money, in and away from the home, anywhere in the world.
Pedal cycles
Covers you for loss or damage to your pedal cycles (including electrically assisted ones) anywhere in the world. Up to £5,000 per pedal cycle.
Accidental damage
Additional cover for sudden and unexpected damage like spilling a drink on your sofa.
Legal services
This could provide a lawyer and up to £50,000 in legal costs to pursue or defend disputes in court.
Please read the important information and documents section below for more details.
Important information
Santander Home Insurance is subject to terms and conditions, restrictions and exclusions.
Examples include:
- Damage that happens gradually, faulty materials or workmanship and breakdown or faults.
- Damage caused by chewing, scratching, tearing or fouling by domestic pets.
- Additional excesses and individual limits apply to certain areas of cover which will be shown in your policy schedule.
Aviva reserves the right to refuse cover.
You’ll find further details in the documents below along with our Terms of Business. To view you may need to download Adobe Reader
Key documents
If you would like to speak to us, you can call 0800 028 0650. Lines are open Monday to Friday 8am to 6pm and Saturday 9am to 4pm.