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Santander Home Insurance

Administered and underwritten by Aviva Insurance Limited.

Santander Home Insurance is administered and underwritten by Aviva Insurance Limited:

You can choose from

  • Buildings or contents cover or combined buildings and contents cover with a choice of cover extensions.

  • Additional cover options for Legal services and Home emergency cover.

Cover is subject to terms, conditions, restrictions and exclusions.

 

We provide quality cover, as rated by Defaqto, and a personal claims manager
 
  • A Defaqto 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.

  • Our insurance is Defaqto 5 Star rated for both unlimited buildings and contents cover, which Defaqto describes as one of the most comprehensive offerings in the market. We also have a 3 Star Rating for contents cover of up to £25,000 for properties with 3 bedrooms or less.

  • You get access to a UK-based claims team 24/7, 365 days a year, to make a new claim, with a named personal claims manager.

 

We make it easy to move with a refund of cancellation fees and no fee for paying monthly 

  • You won't be charged a fee for spreading your payments monthly by Direct Debit.

  • You won't be charged a fee for amending your policy mid-term.

  • Any cancellation fee you are charged by your insurer will be refunded when you switch.

Please make sure you have a new policy in place before cancelling your existing one, so there are no gaps in your cover.

You can now earn cashback if you're a 1|2|3 Current Account or 1|2|3 Lite Current Account customer

  • 2% cashback on Santander home insurance policies administered and underwritten by Aviva Insurance Limited when you pay by Direct Debit from a 1|2|3 Current Account or a 1|2|3 Lite Current Account.

  • The 1|2|3 Current Account has a £5 monthly account fee. To earn cashback you must pay in at least £500 a month and have at least two active Direct Debits. 

  • 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, have at least two active Direct Debits and log on to Online or Mobile Banking at least once in every three months.

Cashback is paid monthly. Any interest and payments between Santander personal accounts you're named on won't count towards the monthly funding amount. Terms apply. 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.


Cover is subject to terms, conditions, restrictions and exclusions. Please make sure you read all the information provided including the terms and conditions before getting a quote.

 

Get a quote Retrieve a quote

 

Some features of Santander Home Insurance:

  • Buildings cover for loss or damage to a property caused by certain events such as fire, storm or flood.

  • Contents cover for loss or damage to your belongings in the home caused by certain events such as theft or fire; or

  • Combined buildings and contents cover.

  • Unlimited buildings sum insured as standard.

  • Unlimited contents cover, or a £25,000 option for properties with 3 bedrooms or less.

  • Accidental damage is included as standard with contents insurance for damage to televisions and DVD players, and with buildings insurance for damage to fixed glass and sanitary ware.

  • No interest charged if you pay your premiums monthly by Direct Debit.

Optional extras for your home insurance are available for an additional cost:

  • Personal belongings cover - This provides a wider level of cover for your personal belongings, pedal cycles, money and credit cards for losses or damage in and away from the home, anywhere in the world.

  • Extra accidental damage cover -This provides 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 cover - 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  - This provides 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.

 

Important things to know about your cover, including policy exclusions and limitations that you need to be aware of. 
 
Here are some examples:

  • Damage caused by wear and tear or poor maintenance.

  • Damage caused by chewing, scratching, tearing or fouling by pets.

  • Certain loss or damage if you leave your home unoccupied for longer than the agreed number of days.

  • Gates and fences are excluded from storm damage claims.

You can find further details of these by reading the Policy Summary and the Policy Booklet. Cover is subject to terms and conditions, restrictions and exclusions. We reserve the right to refuse cover.

  • Limits apply for certain covers and will be shown in your policy schedule. For example, there is a limit of £1,000 per claim for theft of contents in your garden and a limit of £5,000 for tracing and accessing a water leak in your property.

  • You will have to pay the first part of most claims - this is known as an 'excess'. Your policy schedule will detail the excesses which apply to your policy.

  • If you cancel your policy with us there is a charge for the period of cover you have received. If you cancel the policy after the initial 14 day cooling off period an additional £25 cancellation fee will be charged (this fee is not applicable to the cancellation of Legal services or Home emergency cover).


Cover is subject to terms, conditions, restrictions and exclusions. Please make sure you read all the information provided including the terms and conditions before getting a quote.
 

 

 

Get a quote Retrieve a quote

To make it as easy as possible for you to manage your policy, we provide the following:

A dedicated UK-based claims team managed by Aviva Insurance Limited

  • Open for you to make a new claim, 24/7, 365 days a year.

  • For all claims (except Legal services and Home emergency cover) call 0345 301 0661.

  • For Home emergency cover claims call 0345 030 7769.

  • For Legal services claims call 0345 030 7770.

A named personal claims manager

  • You'll be provided with someone who will manage any claim from beginning to end, keeping you fully informed throughout.

A dedicated customer service team, managed by Aviva Insurance Limited

  • Available to support you with any queries on your policy.

  • Call 0345 030 7767.  Opening hours 8am - 9pm Monday to Friday and 8am - 4pm Saturday.

Mobile and Online Banking

  • You can see your policy number and annual premium in both Online and Mobile Banking, you will need to sign up first.

Text me the app

Calls may be monitored and recorded.

Call charges


Cover is subject to terms, conditions, restrictions and exclusions. Please make sure you read all the information provided including the terms and conditions before getting a quote.
 

 

 

Get a quote Retrieve a quote

Santander Home Insurance is subject to terms and conditions, restrictions and exclusions. We reserve the right to refuse cover.

Before completing your application, please read the Policy Booklets, Policy Summary and Key Facts About Our Insurance Services Document below. These documents are also provided when you apply.

To view these documents, you may need to download Adobe Reader

 

Get a quote Retrieve a quote

You can get a Santander Home Insurance quote and apply today if you are;

  • 16 years of age or over.

  • Live in the UK permanently.

You can now earn cashback if you're a 1|2|3 Current Account or 1|2|3 Lite Current Account customer

  • 2% cashback on Santander home insurance policies administered and underwritten by Aviva Insurance Limited when you pay by Direct Debit from a 1|2|3 Current Account or a 1|2|3 Lite Current Account.

  • The 1|2|3 Current Account has a £5 monthly account fee. To earn cashback you must pay in at least £500 a month and have at least two active Direct Debits. 

  • 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, have at least two active Direct Debits and log on to Online or Mobile Banking at least once in every three months.

Please make sure you have a new policy in place before cancelling the existing one, so there are no gaps in your cover.

Cashback is paid monthly. Any interest and payments between Santander personal accounts you're named on won't count towards the monthly funding amount. Terms apply. 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.

Get a quote today

Lines are open 8am to 9pm Monday to Friday, and 8am to 4pm Saturday. Calls may be recorded and monitored.

 


Cover is subject to terms, conditions, restrictions and exclusions. Please make sure you read all the information provided including the terms and conditions before getting a quote.
 

 

 

Get a quote Retrieve a quote

Frequently asked questions

  • Santander home insurance policies underwritten by Aviva Insurance Limited qualify for cashback and have policy numbers starting with MH. You can find your policy number on your policy schedule.

     

    Customers must pay for their Santander home insurance by Direct Debit. Cashback is paid monthly but may vary depending on how you pay your bill or Santander home insurance premium is paid.The cashback will only apply after the 27 April 2016 to monthly and annual paid premiums.

  • If you have a Santander Home Insurance policy which is underwritten by Aviva Insurance Limited:
     

    For a policy number starting with MH

    Call Aviva on 0345 030 7767

    Lines are open:

    Monday to Friday 8am to 9pm

    Saturday 8am to 4pm  

     

    If you have a Santander Options Home Insurance policy which is arranged and administered by BISL Limited and taken out before 1/7/2015 (your policy will start with either 11 or 12):

     

    You can find all of your policy documents, make changes and more in the Home Insurance self service centre.

     

    Alternatively you can call BISL Limited on 0344 209 0493.

    Lines are open:

    Monday to Friday 8am to 9pm

    Saturday 9am to 5pm (includes public holidays)

    Sunday 10am to 4pm

     

    If you have a Santander Home Insurance policy which was originally taken out through the National & Provincial Building Society:

     

    Call  0800 085 1725

    Lines are open:

    Monday to Friday 8am to 7pm

    Saturday 9am to 2pm

     

    Call charges
     

  • If you have a Santander Home Insurance policy which is underwritten by Aviva Insurance Limited:

     

    For a policy number starting with MH

    Call Aviva on 0345 030 7767

    Lines are open:

    Monday to Friday 8am to 9pm

    Saturday 8am to 4pm  

     

    If you have a Santander Options Home Insurance policy which is arranged and administered by BISL Limited and taken out before 1/7/2015 (your policy will start with either 11 or 12):

     

    You can find all of your policy documents, make changes and more in the Home Insurance self service centre.

     

    Alternatively you can call BISL Limited on 0344 209 0493.

    Lines are open:

    Monday to Friday 8am to 9pm

    Saturday 9am to 5pm (includes public holidays)

    Sunday 10am to 4pm

     

    If you have a Santander Home Insurance policy which was originally taken out through the National & Provincial Building Society:

     

    Call  0800 085 1725

    Lines are open:

    Monday to Friday 8am to 7pm

    Saturday 9am to 2pm

     

    Call charges

  • If you have a Santander Home Insurance policy which is underwritten by Aviva Insurance Limited:

     

    For a policy number starting with MH

    Call Aviva on 0345 030 7767

    Lines are open:

    Monday to Friday 8am to 9pm

    Saturday 8am to 4pm  

     

    If you have a Santander Options Home Insurance policy which is arranged and administered by BISL Limited and taken out before 1/7/2015 (your policy will start with either 11 or 12):

     

    You can find all of your policy documents, make changes and more in the Home Insurance self service centre.

     

    Alternatively you can call BISL Limited on 0344 209 0493.

    Lines are open:

    Monday to Friday 8am to 9pm

    Saturday 9am to 5pm (includes public holidays)

    Sunday 10am to 4pm

     

    If you have a Santander Home Insurance policy which was originally taken out through the National & Provincial Building Society:

     

    Call  0800 085 1725

    Lines are open:

    Monday to Friday 8am to 7pm

    Saturday 9am to 2pm

     

    Call charges
     

  • It is important that you refer to your insurance policy document which will contain details of who you should contact to notify of your change in circumstances.

  • Can't find what you are looking for? Find more on the Insurance FAQs page.

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Santander Home Insurance is administered and underwritten by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Call charges information

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.