Administered and underwritten by Aviva Insurance Limited.
Already have a home insurance policy with us? Take a look at our insurance support pages
What is contents insurance for renters?
If you rent your home, contents insurance can protect your belongings against the cost of unexpected things happening, such as:
- theft
- vandalism
- fire
- or flooding.
As a renter, you might not need buildings insurance. It's usually your landlord's job to take care of that.
However, most landlords won't cover your belongings. Because of this, you may want to take out contents insurance.
If you own your home, home insurance is also important, which is why we have different options to suit your needs.
Benefits of contents insurance
No interest on monthly premiums
No charges to make changes to your policy
We’ve made it quick and easy to make a new claim online or by phone. 24/7 with a UK-based claims team.
Choose from our levels of cover - Classic and Plus
We have two levels of Defaqto rated cover: Classic and Plus. We’ve put together a table that will help you to compare the differences between them, so you can choose the one that suits you best.
Full details of our cover limits (PDF - 59 KB) are available.
| Product features | Classic | Plus |
|---|---|---|
| Contents sum insured. This covers loss or damage to the possessions in your home. | Up to £50,000 | Unlimited |
| Cover limit for valuables in your home. | £20,000 | £50,000 |
| Alternative accommodation. | Up to £25,000 | Unlimited |
| Replacement locks if your keys are lost or stolen. | Up to £250 | Unlimited |
| Accidental damage. | Optional | Optional |
| Contents lost, stolen or damaged beyond repair replaced with new ones. |  | |
| Tenants' liability cover. | | |
| Optional legal services, available at an additional cost to cover disputes with a landlord over a tenancy agreement, for example. | | |
| UK-based claims team to support you with every step of your claim. | | |
| Minimum excess for escape of water. | £450 | £450 |
| Choice of contents excess. | £100-£500 | £100-£500 |
Defaqto rating
|  |  |
Policy terms and conditions, other cover limits, restrictions and exclusions apply. Please read the important information for more details and our Terms of Business.
Additional cover
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.
Legal services
This could provide you a lawyer, and up to £50,000 in legal costs in court.
Please read the important information and documents section below for more details.
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.
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.
- 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.
Santander will be paid commission from Aviva for any home insurance that you purchase and this commission will be included in your premium. Santander also receives an annual amount from Aviva towards marketing activities, which can be used from time to time for promotional offers such as cashback, vouchers or discounts.