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Options Home Insurance

Arranged and administered by BISL Limited

Santander Options Home Insurance is exclusively available online or by calling the telephone numbers shown. For information on other home insurance products we offer, please visit your local branch.

Discounts are available for existing Santander customers:
Santander Select Customers or Santander 1|2|3 Customers will receive a 30% discount for the first year on all new policies. Alternatively, other existing Santander customers will receive a 20% discount for the first year on all new policies.

Optional extras (such as Family Legal Protection) are excluded from the discount.

It’s important that your 1|2|3 product is open before you request your home insurance quote.

Please read the full details of the current offer on the terms and conditions tab before you apply.

With all our policies:
You’re covered for damage from fire, smoke, lightning, explosion, earthquake, storm and flood, theft and escape of water.

You should be aware that cover is subject to terms, conditions, restrictions and exclusions. Compulsory excesses apply. Full details are available in the policy document, which is available to download when you receive a quote. Please read full product details and terms & conditions before applying.

One size doesn't necessarily fit all - so you would be wise to consider all your options. You choose the cover you want from us and we'll use our carefully selected panel of home insurance providers including Axa, Ageas, Legal & General, Zurich and The Co-operative - to name a few. This makes sure we are able to offer you our best price for the cover you need.

Santander Options Home Insurance is exclusively available online or by calling the telephone numbers shown. For information on other home insurance products we offer, please visit your local branch.

Discounts are available for existing Santander customers:
Santander Select Customers or Santander 1|2|3 Customers will receive a 30% discount for the first year on all new policies. Alternatively, other existing Santander customers will receive a 20% discount for the first year on all new policies.

Optional extras (such as Family Legal Protection) are excluded from the discount.

It’s important that your 1|2|3 product is open before you request your home insurance quote.

Please read the full details of the current offer on the terms and conditions tab before you apply.

With all our policies:
You’re covered for damage from fire, smoke, lightning, explosion, earthquake, storm and flood, theft and escape of water.

You should be aware that cover is subject to terms, conditions, restrictions and exclusions. Compulsory excesses apply. Full details are available in the policy document, which is available to download when you receive a quote. Please read full product details and terms & conditions before applying.


Standard protection with our buildings insurance includes cover for:

  • up to £750,000 in buildings cover depending on the sum insured

  • fire, storm and flood

  • vandalism and theft 

  • leaks and subsidence

  • accidental damage to glass, ceramic hobs and bathroom fittings

  • solar panels and source heating pumps if they were professionally installed
     
  • lost or stolen keys – up to £500
     
  • emergency access – damage caused by fire, ambulance or police services if they have to make a forced entry to your home as a result of an emergency.

To protect you from accidental damage such as accidents during DIY, you can purchase optional extended accidental damage cover.

Standard protection with our contents insurance includes cover for:

  • up to £99,000 in contents cover depending on the amount of cover selected

  • new for old – terms and conditions apply. Please refer to the policy document

  • extra cover for weddings, Christmas or other religious events – 10% increase in the sum insured for a month either side of the event

  • freezer contents – up to £500

  • garden contents – up to £1,000

  • cash theft – up to £500 per incident

  • credit cards or the cost of replacement – up to a maximum of £1,000 during the period of insurance

  • garage or outbuildings theft – up to £2,000

  • accidental damage – home entertainment equipment

  • bicycles under £350

  • electronic data downloads - e.g iTunes, up to £250 per claim with a maximum of £1,000

Additional accidental damage cover can be purchased to provide cover for unfortunate accidents such as paint spillages on a sofa or carpet.

Renewal reminder alerts

As an existing customer, we can send you our latest offers when your insurance is due for renewal. Simply sign up to the renewal reminder alert service.

Sign up for renewal reminders 

Please read full product details and terms & conditions before applying.

We have great deals for new and existing customers. Before you apply, please read our terms and conditions, above, where you can find full details of this offer.

30% discount for 1|2|3 Customers or Santander Select Customers
Simply apply online or over the phone and we'll automatically apply the 30% discount to your quote - excluding any optional extras.

20% discount for all other Santander customers
If you have any other Santander account you can still get 20% off your home insurance.

The discounts will apply for the first year only on all new policies.

New to Santander? Let us give you a quote.
Even if you're not a Santander customer we'll search our panel of insurers to get you our best price.

Use the 'Get a quote' buttons or phone numbers on the right to get the deal that's right for you.

Lines are open 8am-9pm Monday to Friday, 9am to 5pm Saturdays and public holidays (excluding Christmas Day, Boxing Day and New Year's Day) and 10am-4pm on Sundays.
 

View call charges

Tailor your Options Home Insurance to suit you with these optional extras for an additional cost.

Family Legal Protection
Administered by ACM ULR Ltd and underwritten by AmTrust Europe Ltd

Our Family Legal Protection is designed to help you through difficult and often stressful legal situations. Family Legal Protection provides you with the following:

  • Up to £50,000 worth of financial support per incident for your legal costs (subject to a £100 excess)
     

  • Confidential legal helpline 24 hours a day, 365 days a year
     

  • Cover for specific disputes relating to Property, Employment and
     

  • Consumer disputes and personal injury claims

Family Legal Protection does not provide cover for all legal issues, for example matrimonial disputes or custody access.
Any claims made under this cover will not impact on your home insurance policy. Terms and conditions, restrictions and exclusions apply. Please see policy documents for more information which are available when you request a quote.

Home Assistance
Administered by ARAG plc and underwritten by Brit Insurance Ltd

Home Assistance could help protect you in the event of a domestic emergency. This is a 24 hour service that in the event of an emergency provides you with:

  • No call-out charges
     

  • Up to 2 hours labour
     

  • Parts & materials up to the maximum of £100
     

  • Alternative accommodation costs up to the maximum of £250 (inclusive of VAT)
     

  • A total of £1,000 of cover for the period insured, irrespective of the number of claims made

Home Assistance is not a service or maintenance product and does not cover the breakdown of domestic appliances, for example washing machines, nor does it cover incidents related to the repair of parts that are failing due to natural wear and tear, for example dripping taps.

Emergencies covered include:

  • Breakdown of the main heating system in your home
     

  • Plumbing and drainage problems
     

  • Loss of domestic power supply
     

  • Home security, including locks and windows
     

  • Vermin infestation/pest control inside the property

No excess is payable in the event of a claim. Any claims made under this cover will not impact on your home insurance policy.
Terms and conditions, restrictions and exclusions apply. Please see policy documents for more information which are available when you request a quote.

Current Offer Terms and Conditions:

When applying for a new Options Home Insurance policy, Santander customers will receive either:

1) a 20% discount

OR

2) a 30% discount. To qualify for the 30% discount you must either be a Santander Select Customer or Santander 1|2|3 Customer. A 1|2|3 Customer is one who holds a 1|2|3 Current Account, 1|2|3 Graduate Current Account, 1|2|3 Student Current Account, 1|2|3 Postgraduate Current Account, 1|2|3 Mini Current Account (excluding 1|2|3 Mini Account (in Trust), or a 1|2|3 Credit Card.

If you qualify for the 30% discount, you will receive this instead of, and not in addition to the 20% online discount. 

The 1|2|3 product must be open before the home insurance quote is requested. If you cancel or close the 1|2|3 product either before the home insurance starts or during the term of the home insurance, we reserve the right to withdraw the discount applied for the remaining period of cover.

Excludes Santander Options Home Insurance policies bought through price comparison websites.

Where the policy is paid for in monthly instalments the discount will be applied over the monthly instalments.

The discounts will apply for the first year only on all new policies. Any optional extras are excluded from the discount.

This offer is subject to availability. We reserve the right to withdraw or amend it at any time.

General Information:

Quotations are subject to standard underwriting and acceptance criteria.

Cover is subject to terms, conditions, restrictions and exclusions.  Full details are in the policy documentation, which is available to download when you request a quote. Please read full product details and terms & conditions before applying.

All information is correct as at 4/8/2014.

Frequently asked questions

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