Santander Home Insurance

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Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

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Is Santander home insurance right for you?

Santander offer a range of home insurance options administered and underwritten by Aviva Insurance Limited. They currently offer a 10% cashback deal for 1|2|3 World and Santander Select customers.


With Santander you can receive:

  • Buildings cover
  • Contents cover
  • Joint buildings and contents cover
  • Various additional cover options (including Legal Services and Home Emergency Cover)


Choosing a Santander home insurance policy

Santander offer two main levels of insurance:

  • Defaqto 5 Star rated unlimited buildings and contents cover
  • Defaqto 3 Star rated contents cover up to £25,000 (for properties with 3 or fewer bedrooms)


With Santander home insurance you can take advantage of the following:

  • Unlimited buildings cover (for loss or damage to a property e.g. from fire, storm or flood)
  • Contents cover (for loss or damage to your belongings in the home e.g. from theft or fire)
  • Accidental damage cover included as standard with contents insurance for damage to televisions and DVD players
  • Accidental damage cover included as standard with buildings insurance for damage to fixed glass and sanitary ware
  • No interest charged if you pay your premiums monthly by Direct Debit


Optional extra cover

For an additional fee, you can choose various types of optional extra cover with Santander home insurance to give you a policy tailored to your needs.


Personal belongings cover

This provides a wider level of cover for your personal belongings, pedal cycles, money and credit cards for losses or damage in and away from the home, anywhere in the world.


Extra accidental damage cover

This provides additional cover for accidents around the home. This includes things such as wine spilt on a carpet or sofa (if you have contents cover) or putting your foot through a ceiling when carrying out DIY (if you have buildings cover).


Legal services cover

This can provide a lawyer and up to £50,000 in legal costs to pursue or defend disputes in court.


Home emergency cover

This provides up to £1,000 per claim to cover parts, labour and VAT for an approved tradesperson to carry out repairs if there's an emergency in your home covered by the policy.


What is a home insurance excess?

When you make a claim on your home insurance, you will need to pay an excess. This is a fixed amount that is deducted from the amount the insurer pays out on your claim. So, for example, if you make a claim for £500 and your excess is £50, you will only receive £450.


There are normally two parts to an excess: a compulsory excess and a voluntary excess. The compulsory excess will be set by your insurance provider, while you will choose the amount of the voluntary excess. The higher you set your voluntary excess, the more you will have to pay when you make a claim, but the less you will pay in monthly premiums and the fewer restrictions there are likely to be around making a claim.