Insurance for renters

Contents insurance for renters

Prices from just £6 a month. We won't charge you more for paying monthly.

That's what 10% of customers paid for their insurance excluding add-ons. Based on Classic contents policies sold between 01 Jan - 31 Mar 2024.

Administered and underwritten by Aviva Insurance Limited. 

If you’ve already got a home insurance policy with us, why not look at our insurance support pages


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 featuresClassicPlus
Contents sum insured. This covers loss or damage to the possessions in your home.

Up to £50,000


Cover limit for valuables in your home.£20,000


Alternative accommodation.Up to £25,000Unlimited
Replacement locks if your keys are lost or stolen.Up to £250Unlimited
Accidental damage.OptionalOptional
Content lost, stolen or damaged beyond repair replace with new ones.
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Tenants' liability cover.
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Optional legal services, available at an additional cost to cover disputes with a landlord over a tenancy agreement, for example.
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UK-based claims team to support you with every step of your claim.
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Minimum excess for escape of water.£450£450
Choice of contents excess.£100-£500£100-£500

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's given.

Defaqto 3-star expert rated for Home Insurance (Classic) 2024
Defaqto 5-star expert rated for Home Insurance (Plus) 2024

Policy terms and conditions, other cover limits, restrictions and exclusions apply. Please read the important information for more details and our Terms of Business.

What is contents insurance?


Contents insurance protects your belongings against the cost of unexpected things happening, such as: 

  • theft
  • vandalism
  • fire
  • or flooding. 

Many people combine contents cover with buildings insurance. The benefit of combining is to protect personal items as well as your home itself. 

If you rent your home, you might not need buildings insurance because it's usually your landlord's job to take care of that. Most landlords won't cover your own belongings. Because of this, you may want to take out contents insurance.

Start your quote today for the cover you need


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.

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