Choose cover to suit you
Combined buildings and contents insurance
Buildings insurance which covers damage to your home
Contents insurance which is ideal if you’re renting
Add accidental damage and other optional extras, so you only pay for those if you need them
Choice of Classic or Plus cover
What's more
No charge to make changes to your policy
No interest on monthly premiums
Earn 2% cashback on your home insurance when you pay from certain Santander current accounts
UK-based claims team. Register your claim online
Plus insurance
5* Defaqto rating relates to Plus insurance only
Classic insurance
Insurance cover to suit you
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 some of the features of each cover level. Full details of our cover limits (82 KB) are available.
| Product features | Classic | Plus |
|---|---|---|
| Building's sum insured. This is the maximum you can claim for loss or damage to the property caused by certain events, such as a storm or flood. | Up to £500,000 | Unlimited |
| Content sum insured. This covers loss or damage to the possessions in your home. | Up to £50,000 | Unlimited |
| Cover limit for valuables in the home. | £20,000 | £50,000 |
| Alternative accommodation or loss of rent. | Up to £25,000 | Unlimited |
| Trace and access, which deals with finding the source of a leak. | Up to £2,500 | Up to £5,000 |
| Replacement locks if your keys are lost or stolen. | Up to £250 | Unlimited |
| Accidental damage. | Optional | Optional |
| Contents temporarily removed from your home. | Up to £10,000 | Up to £10,000 |
| UK-based claims team to support you with every step of your claim. | | |
| Named personal claims handler. | | |
| Contents lost, stolen or damaged beyond repair will be replaced with new ones. | | |
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.
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 if you have contents cover or, if you have buildings cover, putting your foot through a ceiling when carrying out DIY.
Legal services
This could provide a lawyer and up to £50,000 in legal costs to pursue or defend disputes in court.
Home emergency cover
Provides a tradesperson to attend in an emergency relating to loss of an essential service to the home. Up to £1,000 per claim to cover parts, labour and VAT.
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.
- Gates and fences are excluded from storm damage claims.
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.
