Administered and underwritten by Aviva Insurance Limited.
Choose cover to suit you
Combined buildings and contents insurance
Buildings insurance which covers damage to your home
Contents insurance which is ideal if you’re renting
Add accidental damage and other optional extras, so you only pay for those if you need them
Choice of Classic or Plus coverÌý
What's more
No charge to make changes to your policy
No interest on monthly premiums
UK-based claims team.ÌýRegister your claim online
Our cover levels
Insurance cover to suit you
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.Ìý
The table below provides a summary of some of the features of each cover level. Full details of our cover limits (PDF - 59 KB) are available.
| Product features | Classic | Plus |
|---|---|---|
| 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.Ìý | Up to £500,000 | Unlimited |
| Content sum insured. This is the maximum you can claim to cover loss or damage to the things you own 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 |
| Trace and access, which deals with finding the source of a leak. | Up to £2,500 | Up to £5,000 |
| Replacement locks if your keys are lost or stolen. | Up to £250 | Unlimited |
| Accidental damage. | Optional | Optional |
| UK-based claims team to support you with every step of your claim. | | |
| Personal claims handler. | | |
| Contents lost, stolen or damaged beyond repair will be replaced with new ones. | | |
What’s Defaqto?
Defaqto is an independent service that can help you compare financial products. They give a Star Rating based on the features and benefits of what’s on offer, with 5 stars being excellent and 1 star being the most basic. The more range of features and benefits a product has, the higher the rating.Ìý
Policy terms and conditions, other cover limits, restrictions and exclusions apply. Please read the ‘Important information and documents’ section below for more details and our Terms of Business.
Defaqto rated cover
Defaqto has rated our Plus cover 5 Stars which is their highest rating. We also offer Classic cover which has been given 3 Stars by Defaqto.
2% cashback
Earn 2% cashback on Santander ÃÛÌÒÓ°Ïñ 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.
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.
ÃÛÌÒÓ°Ïñ 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 ÃÛÌÒÓ°Ïñ Insurance is subject to terms and conditions, restrictions and exclusions. See some examples below.Ìý
- 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 more details in the documents below along with our Terms of Business. To see these, you may need to download
Key documents
What’s a policy excess?
This is the first part of each claim that you must pay. The amount of excess you choose will reflect the premium you pay. The higher the excess, the less you’ll pay each month or annually. You can decide how much excess you’d like to pay. You can find all the information in your policy schedule.
What’s ‘unlimited cover’?
This means that the total amount we can pay out for a claim is unlimited, unless stated otherwise. For example, in the event of a fire or flood, there would be no cap on the amount we’d pay for a claim. For some claims, such as tracing a leak, a maximum amount of cover would be applied.
Can I protect personal items outside my home?
Yes, if you add Personal belongings’ to your contents policy. It can come in handy if you’re taking things like your laptop, jewellery or camera out.
Am I underinsured?
If the total amount covered by your home insurance policy is less than the current replacement value of the contents of your home, then you’re underinsured. The amount you’re insured for should reflect the total cost of replacing all your contents at current prices, not the amount you paid for them.
You can get in touch with us on 0800 028 0650. We’re open Monday to Friday 9am-8pm and Saturday 9am-4pm.
Self Service
Santander will be paid commission from Aviva for any home insurance that you purchase and this commission will be included in your premium. Santander also receives an annual amount from Aviva towards marketing activities, which can be used from time to time for promotional offers such as cashback, vouchers or discounts.