Santander Home Insurance

Administered and underwritten by Aviva Insurance Limited.

Compare our Everyday or Premier cover below to help protect your home

 

  • 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, 1|2|3 Lite or Select Current Account. Find out more 

Cover is subject to terms and conditions, restrictions and exclusions, please read the important information for more details and our Terms of Business.

Our levels of cover

Everyday
Premier
Buildings sum insured (in case you need to rebuild or repair the main structure of your home)Up to £500,000Unlimited
Contents sum insured (for loss or damage to the possessions in your home)Up to £50,000Unlimited
Alternative accommodationUp to £25,000Unlimited
Accidental damageOptionalOptional
Tracing and accessing of leaksUp to £2,500Up to £5,000
Replacement locks if your keys are lost or stolenUp to £250Unlimited
Contents temporarily removed from your home, such as TVs, mobiles and laptopsUp to £10,000Up to £10,000
24/7 UK based claims line, 365 days a year
Named personal claims handler
Contents lost, stolen or damaged beyond repair replaced with new ones
Choice of buildings and contents excess£200-500£100-500
Minimum excess for escape of water£350£100
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 is given.
im-ec-1023%20XS_defaqto-2018-3-star-home-insuranceim-ec-1024%20XS_defaqto-2018-5-star-home-insurance

Everyday

Buildings sum insured (in case you need to rebuild or repair the main structure of your home)Up to £500,000
Contents sum insured (for loss or damage to the possessions in your home)Up to £50,000
Alternative accommodationUp to £25,000
Accidental damageOptional
Tracing and accessing of leaksUp to £2,500
Replacement locks if your keys are lost or stolenUp to £250
Contents temporarily removed from your home, such as TVs, mobiles and laptopsUp to £10,000
24/7 UK based claims line, 365 days a year
Named personal claims handler
Contents lost, stolen or damaged beyond repair replaced with new ones
Choice of buildings and contents excess£200-500
Minimum excess for escape of water£350
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 is given.
im-ec-1023%20XS_defaqto-2018-3-star-home-insurance

Premier

Buildings sum insured (in case you need to rebuild or repair the main structure of your home)Unlimited
Contents sum insured (for loss or damage to the possessions in your home)Unlimited
Alternative accommodationUnlimited
Accidental damageOptional
Tracing and accessing of leaksUp to £5,000
Replacement locks if your keys are lost or stolenUnlimited
Contents temporarily removed from your home, such as TVs, mobiles and laptopsUp to £10,000
24/7 UK based claims line, 365 days a year
Named personal claims handler
Contents lost, stolen or damaged beyond repair replaced with new ones
Choice of buildings and contents excess£100-500
Minimum excess for escape of water£100
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 is given.
im-ec-1024%20XS_defaqto-2018-5-star-home-insurance

The above table is a summary and full details of the cover limits are available. Policy terms, conditions, exclusions and cover limits apply. Further details are in the Insurance Product Information Document and Policy Booklet in our Key Documents section. If you would like to discuss your options and get a quote over the phone, please call 0800 028 0650. Lines are open Monday to Friday 9am to 8pm and Saturday 9am to 4pm.

Additional cover available at an extra cost

Personal belongings

More info
A wider level of cover for your personal belongings, pedal cycles and money for losses or damage in and away from the home, anywhere in the world

Accidental damage

More info
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

More info
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

More info
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

 

Earn 10% cashback on your first year’s premium.

The 10% cashback will be paid within 90 days of your policy start date as long as it’s not been cancelled. This offer can be withdrawn at any time. Read full terms and conditions

 

Further information on our 1|2|3, 1|2|3 Lite and Select Current Accounts:

The 1|2|3 Current Account and Select Current Account have a £5 monthly account fee and 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 (excludes internal transfer) and have at least two active Direct Debits. 1|2|3 Lite Current Account customers must also log on to Online or Mobile Banking at least once in every three months.

Cashback is paid monthly. You may hold a maximum of two 1|2|3 Current Accounts or Select 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.

Switch to us and we’ll refund your cancellation fee

We’ll refund any fee you may have to pay to cancel your existing policy – simply complete our form and make sure you have started your new policy before cancelling your old one.

10% of customers paid £12 per month or less on new combined Everyday policies bought between 01 March 2018 and 31 May 2018. Includes Insurance Premium Tax and excludes optional extras.

Need more help?

Make a claim

Make a claim

Find the right telephone number to claim on your Santander Home Insurance policy
Key documents

Key documents

Policy terms and level of cover in detail
FAQs and Support

Can we help?

You’ll find lots of answers in our Frequently Asked Questions