Santander

Operating as one of the biggest financial institutions in Europe, it’s no surprise that Santander offers a range of home insurance options, all of which are administered and underwritten by Aviva.

Santander regularly offers special deals and promotions with its home insurance options, so it’s always worth keeping an eye out.

Who underwrites Santander home insurance?

Santander home insurance is underwritten by Aviva Insurance Limited.

What types of home insurance does Santander offer?

Santander offers the following types of home insurance:

• Buildings insurance
• Contents insurance
• Combined buildings and contents insurance

These insurance types are available across two tiers: Classic and Plus.

The table below highlights what each of Santander’s policies cover.

Policy	Policy Type	Buildings maximum sum insured	Contents maximum sum insured
Santander Classic	Buildings	Up to £500,000	N/A
Santander Plus	Buildings	Unlimited	N/A
Santander Classic	Contents	N/A	Up to £50,000
Santander Plus	Contents	N/A	Unlimited

What does Santander home insurance cover as standard?

Santander offers its customers a choice of two levels of cover: Classic policy or Plus policy.

The table below highlights the main features and differences between the two levels of cover.

Features	Classic	Plus
Building insured (the maximum you can claim for loss or damage to the property).	Up to £500,000	Unlimited
Content insured. Covers loss or damage to belongings 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 (finding the source of a leak).	Up to £2,500	£5,000
Replacement locks for lost or stolen keys.	Up To £250	Unlimited
Accidental damage	Optional	Optional
Contents temporarily removed from the home.	Up to £10,000	Up to £10,000
UK-based claims team	Yes	Yes
Named personal claims handler.	Yes	Yes
Contents lost, stolen, or considered damaged beyond repair replaced with new items.	Yes	Yes

Optional extras

Santander offers a wide range of optional extras cover, which can be added to whichever home insurance policy you choose for an additional fee.

These optional extras include:-

Personal belongings cover

Provides a wider level of cover for your personal belongings, covering them for loss or damage, in and away from the home, anywhere in the world.

Pedal cycles cover

Provides cover if you own pedal cycles (including electrically assisted ones) for loss and damage sustained anywhere in the world.

Pedal cycle provides cover up to £5,000 per pedal cycle.

Accidental damage cover

Provides additional cover for accidents sustained around the home.

For example, spilling a cup of coffee on the carpet or sofa (if you have contents cover) or putting your foot through a wall while carrying out DIY (if you have buildings cover).

Legal services cover

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

Home emergency cover

Provides a tradesperson to attend in an emergency relating to loss of an essential service to the home. Up to £1,0000 per claim to cover parts, labour and VAT.

Excess and no-claims discount

For their home insurance policies, Santander has the minimum compulsory excess for the following claims: –

Claim	Excess amount
Standard claims	Classic: £200 – £500 / Plus: £100 – £500
Escape of water	Classic: £350 / Plus: from £100
Subsidence	£1,000
Personal possessions	Classic: £200 – £500 / Plus: £100 – £500

No-claims discount

Unfortunately, Santander does not offer a no-claims discount with any of its home insurance policies.

Defaqto rating

Santander’s classic level of cover has been awarded a 3-star Defaqto rating, while their Plus home insurance has five stars.