You are in

Contents insurance for renters

Administered and underwritten by Aviva Insurance Limited

The flexible way to protect your belongings

Choose from our Everyday or Premier contents cover below to insure the contents of your rented property. It includes:

  • Everyday contents cover from as little as £4 a month – that's all 10% of our customers paid
  • Earn 10% cashback on your first year's premium. Find out more
  • No fee for paying monthly by Direct Debit
  • Cover for loss or damage to your landlords fixtures and fittings that you're responsible for
 123 World Offer
  • 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. Please see below for more information on these products.

Cover is subject to terms and conditions, restrictions and exclusions, please read the important information for more details and our Terms of Business.

Get a quote    Retrieve a quote


Choose either our Everyday or Premium contents cover below. They include:




Contents sum insured (for loss or damage to the possessions in your home) Up to £50,000 Unlimited
Alternative accommodation Up to £25,000 Unlimited
Accidental damage Optional Optional
Replacement locks if your keys are lost or stolen Up to £250 Unlimited
Contents lost, stolen or damaged beyond repair replaced with new ones
Tenants Liability cover
Optional Legal Services (available at an additional cost) to cover, for example, a dispute with a landlord over a tenancy agreement
Option to cover Personal Belongings and valuables away from the home
Named personal claims handler
Minimum excess for escape of water £350 £100
Defaqto rating*    

The above table is a summary and full details of the cover limits are available. Policy terms, conditions, exclusions and cover limits apply. Further details are in the Insurance Product Information Document and Policy Booklet in our Key Documents section.

For more information on buildings and contents insurance please visit our main home insurance page

If you would like to discuss your options and get a quote over the phone, please call 0800 028 0650. Lines are open Monday to Friday 9am to 8pm and Saturday 9am to 4pm.

Earn 10% cashback on your first year's premium

The 10% cashback will be paid within 90 days of your policy start date as long as it’s not been cancelled. This offer can be withdrawn at any time. Read full terms and conditions

 123 World Offer

Further information on our 1|2|3, 1|2|3 Lite and Select Current Accounts:

The 1|2|3 Current Account and Select Current Account have a £5 monthly account fee and the 1|2|3 Lite Current Account  has a £1 monthly account fee. 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 or ask for the latest Key Facts Document in branch.

10% of customers paid £4 per month or less on new contents only Everyday policies bought between 01 March 2018 and 31 May 2018. Includes Insurance Premium Tax and excludes optional extras.

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 your old one.

* 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.

Santander Home Insurance is administered and underwritten by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.