Santander Home Insurance Review and Quotes

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 rating	Our 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
Technology		Livechat available Customer portal available Santander UKHelp support on Twitter

Expert and customer satisfaction reviews for Santander home insurance

Review organisation	Santander home insurance reviews
Defaqto expert	Everyday: 3 stars Premier: 5 stars
Overall Which? Score	67%

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.

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.

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 insurance	Limits
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
Subsidence	As standard
Underground services	As standard
Keys cover	Everyday: £250 / Premier: Unlimited
Flood and storm damage (except for fences)	As standard

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

Contents insurance	Limits
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 home	Inside: Everyday: £500 / Premier: £500 Outside: Everyday: £500 / Premier: £500
Credit cards in and outside the home	Inside: Not stated Outside: Not stated
Business equipment kept at home	Everyday: £10 000 / Premier: £10 000
Student equipment	Not stated
Keys cover	Everyday: £250 / Premier: Unlimited

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 claims	Everyday: £200 - £500 / Premier: £100 - £500
Excess for escape water claims	Everyday: £350 / Premier: from £100
Excess for subsidence claims	£1000 for both policies
Excess for personal possessions	Everyday: £200 - £500 / Premier: £100 - £500
Excess for keys	Not stated

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 installments	0,00%
To renew my policy	£0
To adjust my policy	£0
To duplicate documents	£0
To cancel my policy during cooling-off period	Not stated
To cancel my policy outside cooling-off period	£25
For payment default	£0
To switch from one insurer to Santander	Real fees

How much does Santander home insurance cost?

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

	Building insurance	Contents insurance
Excess	Everyday: £200 - £500 / Premier: £100 - £500	Everyday: £200 - £500 / Premier: £100 - £500
Home cover	Building: £250 000 Contents: £20 000 Personal items: £4 000	Building: £500 000 Contents: £50 000 Personal items: £8 000
Premium	£150,93	£296,14

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 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 policy	14 days
Cancellation fees	Fees during cooling-off period: Not stated Fees outside cooling-off period: £25
Cancel by phone	0345 3010 661

How to contact Santander home insurance?

Services	Phone numbers	Opening hours
Quotes	0800 028 0650	Mon - Fri: 9am – 8pm Sat: 9am – 8pm
Claims (through Aviva)	0345 301 0661	Mon - Fri: 8am - 6pm
Emergency	0345 301 0661	24/7

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: https://twitter.com/santanderukhelp
Chatbot available	Available on any page of the website by clicking on the "Chat with us" button

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.