Santander Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Santander is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Santander home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Santander the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Santander’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for Santander

Safe ratingOur opinion
Customer service & satisfaction
and claims

95% of claims paid out in 2018
Very easy to access cover information (landing page)
24/7 UK-based helplines for customers
5 stars rating for Premier level of cover
Named personal claim managers for both levels of cover
Only 3 stars Defaqto rating for Everyday cover

Cover provided for your home

Premier level of cover available with unlimited sum insured for both contents and buildings
Up to £10k cover for items temporarily removed from home
Accidental damage as extra even in Premier level of cover
£50k contents insured in Everyday cover

Value for money

10% of customers pay £12 per month
No charge on monthly payments
2% cashback if insurance paid from Santander current accounts and discount for buying combined policy
Choice for standard excess
Refund of real switching fees
No NCD available

Financial strength

Home insurance underwritten by Aviva Insurance Limited
High percentage of claims paid out


Livechat available
Customer portal available
Santander UKHelp support on Twitter

Safe rating for Santander home insurance

Expert and customer satisfaction reviews for Santander home insurance

Review organisationSantander home insurance reviews

Defaqto expert

Everyday: 3 stars
Premier: 5 stars

Overall Which? Score


Consumer satisfaction rates on reviews for Santander home insurance

Our general opinion on Santander home insurance

Santander is a spanish company specialized in providing financial and commercial banking services to people. The company now also offers insurance products such as home, travel, car and life insurance along with banking products.
The company offers two levels of protection for both building and contents insurance: Essential, rated 3 stars by Defaqto and Premier, rated 5 stars.
The Everyday level of cover is basic and provides cover for up to £500k for building insurance and £50k for contents insurance. You can choose the excess you’d like to pay in case of claim for both Everyday and Premier level of cover. Accidental damage, family legal protection and personal possessions covers are available as extras in both levels of cover.

The company offers interesting value for money deals offering affordable rates and cashbacks if you pay your premium through Santander accounts.

What does Santander home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Santander will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Santander covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Santander buildings and contents insurance

Santander provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Santander building insuranceLimits
Maximum sum insured

Everyday: £500 000 / Premier: Unlimited

Owner liability

Everyday: £2M / Premier: £2M

Alternative emergency accomodation

Everyday: £25 000 / Premier: Unlimited

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

Everyday: £2500 / Premier: £5000

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

Not covered


As standard

Underground services

As standard

Keys cover

Everyday: £250 / Premier: Unlimited

Flood and storm damage (except for fences)

As standard

Santander building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

Everyday: £50 000 / Premier: Unlimited

Owner liability

Everyday: £2M / Premier: £2M

Alternative emergency accomodation

Everyday: £25 000 / Premier: Unlimited

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

Everyday: £500 / Premier: £1000

Contents kept in outbuildings (garage included)

Everyday: up to contents sum insured / Premier: unlimited

Thefts from outbuildings

Everyday: £750 / Premier: £2500

Single item limit for valuables

Everyday: £2500 / Premier: £2500

Items temporarily removed from home

Everyday: £10 000 / Premier: £10 000

Money in and outside the homeInside:

Everyday: £500 / Premier: £500


Everyday: £500 / Premier: £500

Credit cards in and outside the homeInside:

Not stated


Not stated

Business equipment kept at home

Everyday: £10 000 / Premier: £10 000

Student equipment

Not stated

Keys cover

Everyday: £250 / Premier: Unlimited

Santander contents insurance

Santander home insurance additional cover

On top of your Santander buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover
  • Optional extra
  • up to contents sum insured for Everyday cover
  • unlimited cover with Premier plan
Home emergency
  • Optional extra
  • Up to £1000 per call out
Boiler cover
  • Part of the home emergency cover
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Available as extra for both policies Everyday and premier
  • Minimum sum insured £1,000 and maximum sum insured £15,000
  • Single item limit is £2,500 or up to the unspecified personal belongings sum insured,
  • Up to sum insured limit for personal possessions kept in a car
Mobile cover
  • Available as extra
  • Only covers phones, not phone calls
Bicycle cover
  • Available as extra
  • Choice of limit based on the highest value cycle (minimum £300)

Santander home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claimsEveryday: £200 – £500 / Premier: £100 – £500
Excess for escape water claimsEveryday: £350 / Premier: from £100
Excess for subsidence claims£1000 for both policies
Excess for personal possessionsEveryday: £200 – £500 / Premier: £100 – £500
Excess for keysNot stated
Santander home insurance main excess

Santander home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Santander fees are as follows:

Fees applied to manage your Santanderhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off periodNot stated
To cancel my policy outside cooling-off period£25
For payment default£0
To switch from one insurer to SantanderReal fees
Home insurance fees at Santander

How much does Santander home insurance cost?

You will below indicative quotes for building and contents insurance at Santander:

Building insuranceContents insurance
ExcessEveryday: £200 – £500 / Premier: £100 – £500Everyday: £200 – £500 / Premier: £100 – £500
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Santander

It is very difficult to give a precise range of how much exactly will your home insurance cost at Santander as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Santander will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Santander home insurance discounts available

  • Discount on premium if paid from Santander current accounts
  • 2% cashbacks if you pay by Direct Debit from your 123 Santander Current Account.

How do I a claim on Santander home insurance?

As mentioned earlier, Santander is underwritten by Aviva. You will therefore need to contact the Aviva insurance company to report your claim. You can make a claim either by calling the claim manager team (24/7 helpline). You will get a named claim manager. Your claim manager will call you back within 2 hours except if you are not calling on working hours. Or you can start your claim online through Aviva website..

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Santander home insurance?
Claim online

Claim form online

Claim by phone

0345 3010 661
8am and 6pm from Monday to Friday

How to claim on my home insurance at Santander

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Santander house insurance?

To cancel your Santander house insurance, here is what you need to know: 

Cancelling your home insurance at Santander
Cancellation notice if Santander cancel your policy14 days
Cancellation feesFees during cooling-off period: Not stated
Fees outside cooling-off period: £25
Cancel by phone

0345 3010 661

How to cancel my Santander home insurance

How to contact Santander home insurance?

ServicesPhone numbersOpening hours

0800 028 0650

Mon – Fri: 9am – 8pm
Sat: 9am – 8pm

Claims (through Aviva)

0345 301 0661

Mon – Fri: 8am – 6pm


0345 301 0661


How to contact Santander home insurance

Santander home insurance contact details

Santander contact details
Santander address

Santander UK plc
2 Triton Square, Regent’s Place, London, NW1 3AN,
United Kingdom.

Customer service email

The easiest way to contact the help support is through Twitter:

Chatbot available

Available on any page of the website by clicking on the "Chat with us" button

Santander contact details

How do I log in to Santander customer portal?

You can log in to Online Banking customer portal available here:
You will be able to access your policy schedule and get your contract number starting by MHO.
You will not be able to report claim online through Online Banking though but through Aviva’s website. If your claim is complex, you can also find the nearest branch locator and talk to a local agent.

How do I get Santander home insurance quotes? 

To get a quote online at Santander, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Santander is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Santander home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Santander house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.