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
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 Offer can be withdrawn at any time.
What is home insurance?
Home insurance (or house insurance) is designed to financially protect your home and belongings.
For example, if your home is damaged or destroyed in a fire, having the right cover in place could mean the insurance provided will pay to replace your belongings and repair or rebuild your home.
Buildings insurance and contents insurance are the two types of home insurance, and you can choose to buy them separately or combine them into one policy.
You can add accidental damage to your policy for an additional cost. This gives extra cover against costs from things such as spillages or breakages.
The benefits of our home insurance
New claims online or via phone
We’ve made it quick and easy to do, 24/7. UK-based claims team.
No hidden charges
There’s no charge to make changes to your policy and we don’t charge you extra if you choose to pay monthly.
We’ll 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.
Who needs home insurance?
Depending on your situation, having both buildings and contents cover could help provide financial protection for your property and belongings in case something unexpected happens. Those who might need home insurance include:
Homeowners
If you own your home, you’re responsible for insuring the building and your belongings inside it.
If you have a mortgage, your mortgage provider might insist that you have buildings insurance in place for the length of your mortgage. You can buy buildings insurance from any provider, not just your mortgage provider.
If you’re lucky enough to have a second home, you’ll probably want to insure that too.
Renters
If you’re renting, you don’t need to worry about buildings insurance, as this will be your landlord’s responsibility.
But you should think about contents insurance to help cover the costs of replacing your personal belongings, including your clothes, furniture and appliances if something should happen to them.
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 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 to be sure you have cover.
What is buildings insurance?
Buildings insurance will cover your home and any fixtures and fittings (such as your kitchen or bathroom) against the cost of damage from things like:
fire
subsidence
bad weather
other unexpected events.
Buildings insurance is normally compulsory if you have a mortgage. If you live in a flat, you may only need buildings insurance if you own the freehold. If it's leasehold, it’s likely to be the landlord’s job to insure their property, although you should check.
You can take out buildings insurance on its own, or you can also protect the contents in your home. A combined buildings and contents home insurance policy will give you cover for both.
What Santander Home Insurance covers
What’s covered
- We offer two 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
Get a quote online in minutes or call 0800 028 0650
Santander Classic Policy vs Plus Policy
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.
Full details of our cover limits (65 KB) are available.
| Product features | Classic | Plus |
|---|---|---|
| Buildings sum insured. This is the maximum you can claim for loss or damage to the property caused by certain events, such as a storm or flood. | Up to £500,000 | Unlimited |
| Contents sum insured. This covers loss or damage to the possessions in your home. | Up to £50,000 | Unlimited |
| Cover limit for valuables in the home. | £20,000 | £50,000 |
| Alternative accommodation or loss of rent. | Up to £25,000 | Unlimited |
| Trace and access, which deals with finding the source of a leak. | Up to £2,500 | Up to £5,000 |
| Replacement locks if your keys are lost or stolen. | Up to £250 | Unlimited |
| Accidental damage. | Optional | Optional |
| UK-based claims team to support you with every step of your claim. |  | |
| Named personal claims handler. | | |
| Contents lost, stolen or damaged beyond repair will be replaced with new ones. | | |
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.
How does home insurance work?
Home insurance provides financial protection in the event of something happening to your property and/or your belongings. Depending on your cover you might be covered for theft, fire, flood, loss, accidental damage and more.
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
0nce 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
Life insurance
Designed to give you and your family peace of mind
Health insurance
We’re pleased to introduce you to Bupa who are able to offer you private medical insurance. Bupa isn’t part of the Santander group
Car insurance
Peace of mind on the road. 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 . 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 if you have contents cover or, if you have buildings cover, putting your foot through a ceiling when carrying out DIY.
Legal services
This could provide a lawyer and up to £50,000 in legal costs to pursue or defend disputes in court.
Home emergency cover
Provides a tradesperson to attend in an emergency relating to loss of an essential service to the home. Up to £1,000 per claim to cover parts, labour and VAT.
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.
- 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 9am to 8pm and Saturday 9am to 4pm.
Aviva will undertake a ‘soft’ general insurance check. Customers who request 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 Experian. Customers will not see these footprints if they request 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 which allows Aviva to calculate your premium and payment options.
Switch quickly and easily
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 the old one.