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Options Home Insurance

Arranged and administered by BISL Limited

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

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

  • selling your home

  • 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

With all our policies

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

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.

Before you apply

When you apply for a new Options Home Insurance policy as a Santander customer, you’ll receive either a 20% or 30% discount. The 30% discount is for 123 Credit Card or 123 Current Account customers only. If you get the 30% discount, you will receive this instead of, and not in addition to, the 20% discount.

These offers are subject to availability and we reserve the right to withdraw or amend them at any time. Optional extras are excluded from the discount.

Your 123 Current Account or 123 Credit Card must be open before the Home Insurance quote is requested. Please ensure you read the full terms and conditions before you apply.

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.

If you are a 1|2|3 Current Account or 1|2|3 Credit Card or are an existing Santander customer there is a discount available to you.

30% off for 1|2|3 Credit Card customers or 12||3 Current Account customers

We'll automatically apply the 30% discount to your quote (excluding any optional extras selected) so you will know exactly how much your Home Insurance will cost.

Get a quote with a 30% discount

Alternatively you can call us on 0800 048 1866. Lines are open 8am to 9pm Monday to Friday, 9am to 5pm Saturdays and public holidays (excluding Christmas Day, Boxing Day and New Year's Day), and 10am to 4pm Sundays.

20% off if you're a Santander customer

We'll automatically apply the 20% discount to your quote (excluding any optional extras selected) so you will know exactly how much your Home Insurance will cost.

Get a quote with 20% discount

Alternatively you can call us on 0800 048 1866. Lines are open 8am to 9pm Monday to Friday, 9am to 5pm Saturdays and public holidays (excluding Christmas Day, Boxing Day and New Year's Day), and 10am to 4pm Sundays.

If you're new to Santander

If you are new to Santander, you could still get a great deal as We search our panel of insurers to get you our best price.

Get a quote

Get an online quote now or

Call us on 0800 048 1867. Lines are open 8am to 9pm Monday to Friday, 9am to 5pm Saturdays and public holidays (excluding Christmas Day, Boxing Day and New Year's Day), and 10am to 4pm Sundays.

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

Cover includes a 24/7 legal helpline and up to £50,000 of cover for legal costs and expenses to pursue a civil claim in the event of:

  • consumer protection cover if you need help with a dispute over goods or services

  • residential disputes after the first 180 days of your policy start date

  • personal injury claims to help you claim against whoever injured you

  • Employment disputes in cases of unfair treatment or dismissal by an employer

Home Assistance

Administered by ARAG plc and underwritten by Brit Insurance Ltd

Cover includes:

  • tradesman's call out fees and up to 2 hours of labour

  • parts and materials up to £100

  • alternative accommodation up to £250 (inc VAT). 

You can claim up to £1,000 per period of insurance.

All cover is subject to terms, conditions, restrictions and exclusions. Full details are in the policy document, which is available when you purchase a policy.

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

1) a 20% discount
OR
2) a 30% discount for existing Santander 1|2|3 Credit Card or Santander 1|2|3 Current Account holders only (the '1|2|3 product')

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.

Quotations are subject to standard underwriting and acceptance criteria.

Cover is subject to terms, conditions, restrictions and exclusions.  Full details are in the policy document, which is available when you purchase a policy.

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

Any optional extras are excluded from the discount.

Frequently asked questions

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