Home insurance

Prices from just £16 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 buildings and contents policies sold between 01 Jan - 31 Mar 2024.

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 belongings. 
There are 2 types of home insurance: buildings insurance and contents insurance

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.


Who needs home insurance?

It will depend on your circumstances. The type of cover that may be best for you will depend on whether you’re a homeowner or renting. 

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

Get a buildings and contents quote


Contents only

Contents only cover protects your belongings. You may decide to choose this if you rent your home

Get a contents only quote


Buildings only

Protects your home (and any outbuildings) only but includes fixtures and fittings such as bathrooms and kitchens

Get a buildings only quote

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

    Get a quote

    Get a quote online in minutes or call 0800 028 0650 

    Classic cover versus Plus cover

    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 (59 KB) are available.

    Product featuresClassicPlus
    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


    Contents sum insured. This covers loss or damage to the possessions in your home.Up to £50,000


    Cover limit for valuables in the home.£20,000£50,000
    Alternative accommodation or loss of rent.Up to £25,000Unlimited
    Trace and access, which deals with finding the source of a leak.Up to £2,500Up to £5,000
    Replacement locks if your keys are lost or stolen.Up to £250Unlimited
    Accidental damage.OptionalOptional
    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.

    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.

      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

      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




      Explore life insurance

      landlord insurance

      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


      Explore landlord insurance


      Car insurance

      Have peace of mind when you’re on the road. This includes cover for hybrid vehicles.

      Get a quote

        Explore car insurance



      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 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.

      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.

        Need to make a claim?


        How to make a claim


        Ready for a quote?

        Get your quote online in minutes

        Get a quote


        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. Just complete our form and make sure you've started your new policy before cancelling the old one.