Home insurance

Administered and underwritten by Aviva Insurance Limited

Contents for renters

Already have a policy? Take a look at our support pages

What you can get

  • A quick and easy quote online in minutes
  • It's free to make changes or cancel your policy
  • Choose from our 2 levels of cover - Classic or Plus
  • Earn 2% cashback on premiums when you pay from selected Santander current accounts
  • No fee for paying monthly by Direct Debit

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|31|2|3 Lite or Select Current Account

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.

If you have a Santander Home Insurance policy and you are suffering from financial difficulties due to the impact of the coronavirus crisis, you may be able to get help with your monthly payments.

If you have a Santander Home Insurance policy which is underwritten by Aviva, please contact them on 0345 030 7768 to discuss the options available to you. Their opening hours are Monday to Friday 8am to 8pm, Saturday 8am to 6pm and Sunday 10am to 4pm. 

If you have a Santander Options Home Insurance policy which is administered by BISL Limited, you can contact BISL on 0344 2090493, they have specialists on hand to discuss your individual circumstances and talk about how they may be able to help with your financial situation. Their opening hours are Monday to Friday 8am-8pm and Saturday 9am-5pm. Call charges

When you take out a policy, you can choose to cover your buildings, your contents or both.
If you’re a tenant you may want to find out more about our contents only cover

Levels of cover
Choose between Classic or Plus cover.

The table below provides a summary of some of the features of each cover level. Full details of our cover limits (pdf) (82 KB) are available.

Buildings sum insured (this is the maximum you can claim for loss or damage to the property caused by certain events e.g. fire, storm or flood)

Up to £500,000


Contents sum insured (for 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 rentUp to £25,000Unlimited
Accidental damageOptionalOptional
Tracing and accessing of leaksUp to £2,500Up to £5,000
Replacement locks if your keys are lost or stolen Up to £250Unlimited
Contents temporarily removed from your home, such as TVs and computersUp to £10,000Up to £10,000
24/7 UK based line, 365 days a year
green tick
green tick
Named personal claims handler
green tick
green tick
Contents lost, stolen or damaged beyond repair replaced with new ones
green tick
green tick
Choice of buildings and contents excess£100-£500£100-£500
Minimum excess for escape of water£450£450


Defaqto rating

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 is given.

defaqto expert rating 3 star - Home Insurance 2021
defaqto expert rated 5 star - Home Insurance 2021

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

    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

    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. Please note that during the Coronavirus pandemic, lines may close earlier.

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      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.