Insurance for renters

Contents insurance for renters

Protect your belongings with a contents-only home insurance policy. Get a quote online in minutes. Administered and underwritten by Aviva Insurance Limited.

Already have a home insurance policy with us? Take a look at our insurance support pages

20 chances to win back your 1st year’s home insurance premium.

Take out any new home insurance policy with us and you’ll be automatically entered into one of the monthly prize draws.
20 winners will be drawn every month.
Full T&Cs (36 KB). Offer can be withdrawn at any time.


Choose from our levels of cover - Classic and Plus


We can offer you the choice between two levels of Defaqto rated cover: our Classic policy or our Plus policy. See the table below to compare the differences between the two.

The table below provides a summary of the features of each cover level. Full details of our cover limits (65 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.

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 their buildings insurance. This is so they can protect their personal items as well as their home. 

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

Start your quote today for the cover you need

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 . The 1|2|3 Lite Current Account is no longer available. 

The amount of cashback you can earn is capped at £5 per month in each of the 1%, 2% and 3% cashback categories. 


More about our 1|2|3, 1|2|3 Lite and Select Current Accounts

The 1|2|3 Current Account and Select Current Account have a £4 monthly fee to maintain the account  and the 1|2|3 Lite Current Account has a £2 monthly fee to maintain the account. 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 our current accounts page or ask for the latest Key Facts Document in branch.

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 a lawyer and up to £50,000 in legal costs to pursue or defend disputes in court.


Please read the important information and documents section below for more details.

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 9am to 8pm and Saturday 9am to 4pm.

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