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What you can get
- A quick and easy quote online in just 3 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
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 using their online form
If you have a Santander Options Home Insurance policy which is administered by BISL Limited, you can contact BISL on 0345 073 1002 if you wish to discuss your payments. Their opening hours are Monday-Saturday 8am-6pm. 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.
Features
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.
| Classic | Plus | |
|---|---|---|
| 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 | Unlimited |
| Contents sum insured (for 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 |
| Accidental damage | Optional | Optional |
| Tracing and accessing of leaks | Up to £2,500 | Up to £5,000 |
| Replacement locks if your keys are lost or stolen | Up to £250 | Unlimited |
| Contents temporarily removed from your home, such as TVs and computers | Up to £10,000 | Up to £10,000 |
| 24/7 UK based line, 365 days a year |  | |
| Named personal claims handler | | |
| Contents lost, stolen or damaged beyond repair replaced with new ones | | |
| 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. |  |  |
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.
A wider level of cover for your belongings and personal money, in and away from the home, anywhere in the world.
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.
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.
This could provide a lawyer and up to £50,000 in legal costs to pursue or defend disputes in court.
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.
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, 1|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.
The 1|2|3 Current Account and Select Current Account have a £5 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.
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.