Administered and underwritten by Aviva Insurance Limited. Already have a home insurance policy with us? Take a look at our insurance support pages, or see our self service section below
What is home insurance?
Home insurance is designed to protect your home and contents.
- Buildings insurance could pay out to repair or rebuild your home if it’s been damaged or destroyed.
- Contents insurance could pay out to replace the cost of your damaged items.
You can combine buildings and contents insurance or buy them separately.
You can also add accidental damage to your policy for an additional cost. This gives you extra cover against costs from things such as spillages or breakages.
The benefits of our home insurance
New claims online or by phone
We’ve made it quick and easy to do, 24/7. UK-based claims team.
No hidden charges
We don't charge you extra to make changes to your policy or if you want to pay monthly.
We can put a roof over your head
If your insurance covers the damage to your home, it also picks up the bill for you to stay somewhere else.
Defaqto rated cover
Defaqto has rated our Plus cover 5 Stars which is their highest rating.
We also offer Classic cover which has been given 3 Stars by Defaqto.
Types of home insurance
Buildings and contents
Protects both your home and what’s inside it. You may decide to choose this if you’re a homeowner
Contents only
Contents only cover protects your belongings. You may decide to choose this if you rent your home
Buildings only
Protects your home (and any outbuildings) only but includes fixtures and fittings such as bathrooms and kitchens
What our home insurance covers
What’s covered
- 2 levels of cover
When it comes to the cost of rebuilding your home, there’s no limit to the amount we pay with our Plus cover. Or you can choose Classic cover which will pay up to £500,000 - Alternative accommodation or loss of rent
Buildings insurance will cover the cost of alternative accommodation or loss of rent if your home can’t be lived in because of insured damage (limits apply) - Replacement of external door locks
Contents insurance will replace external door locks if your keys are lost or stolen
What’s not covered
- Wet rot, dry rot, or frost damage
- Damage from wear and tear or that’s happened slowly over time
- Fences, gates or hedges damaged in a storm
Full details of cover limits (PDF - 59 KB) are available. Policy terms and conditions, restrictions and exclusions apply. Please see Important information and policy documents.
Get a quote online in minutes or call 0800 028 0650
How home insurance works
See our steps below to learn about home insurance, from how to take out a policy to making a claim.
1. Take out a policy
You can get a quote online in minutes or by calling 0800 028 0650.
2. Decide how you want to pay
You can choose to pay annually or spread the cost and pay monthly at no extra cost.
3. Make a claim
You can register your claim online or speak to our UK-based claims team on 0345 301 0661. You’ll need your insurance policy to hand.
4. Pay out
Once a claim is approved, a payout will be made.
Start your quote online today or call 0800 028 0650
Other types of insurance we offer
Landlord insurance
We're pleased to introduce you to AXA, who offer landlord insurance that you can tailor to meet your needs. AXA isn’t part of the Santander group
Car insurance
Have peace of mind when you’re on the road. This includes cover for hybrid vehicles.
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.
- Gates and fences are excluded from storm damage claims.
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.
Aviva will make a ‘soft’ insurance check. Customers who ask for a copy of their credit file from Aviva’s credit reference agency (CRA) will see these footprints under their search history. The CRA which Aviva use for quotation searches is TransUnion and for affordability searches is Experian. Customers won’t see these footprints if they ask for their file from another CRA such as Experian or Equifax.
Aviva uses data from their credit reference agency to verify your identity, prevent fraud and carry out risk profiling. This lets Aviva calculate your premium and payment options.
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.