Urban Jungle

Founded in 2016 by Jimmy Williams and Greg Smyth, Urban Jungle is a relative newcomer to the home insurance market. Urban Jungle is touted as a technology-first insurance broker, with a specific focus on helping young people gain access to cheaper and more tailored home insurance, while challenging the industry to become fairer for all.

In October 2022, Urban Jungle became one of only ten personal insurance businesses globally to be awarded B Corporation (B Corp) status. They were also recognised for their commitment to customer service, awarded ‘highly commended’ status by independent comparison service Finder, in their Finder Customer Satisfaction Awards 2023.

Who underwrites Urban Jungle home insurance?

Urban Jungle’s home insurance policies are underwritten by a panel of insurers including Ageas, AXA, RSA, Canopius, Wakam Insurance Company, Astrenska Insurance Ltd., UK General and Zurich.

Types of home insurance available with Urban Jungle

Urban Jungle offers four types of home insurance policies:

• Buildings Insurance
• Contents Insurance
• Combined buildings and Contents Insurance

Policy	Policy Type	Buildings maximum sum insured	Contents maximum sum insured
Contents Insurance	Contents	N/A	£50,000 (per person)
Buildings & Contents Insurance	Buildings + Contents	£1 million	£120,000
Buildings Insurance Only	Buildings	£1 million	N/A

What does Urban Jungle home insurance cover as standard?

Urban Jungle offers stand-alone buildings or contents insurance, as well as combined building and contents insurance.

The table below highlights the main features of Urban Jungle’s contents, and combined buildings and contents insurance.

What’s covered	Contents	Buildings + Contents
Maximum amount covered	Up to £40,000 per person	Buildings up to £1 million Contents up to £75,000
Cover per valuable	Unlimited	£2,500
Excess	From £0	£100 – £1,000
Accidental Damage	Yes	Optional
Personal accident	No	No
Alternative accommodation if you can’t stay in your home	No	Yes
Personal accident	No	No
Home emergency	No	Optional
Tenants liability	Yes	No
Mobile phone cover	Yes	Yes
Bicycle cover	Yes	Yes

Optional extras

Urban Jungle, having preferred to focus on offering essential and straightforward home insurance policies, don’t offer much in the way of optional extras.

However, they do provide an option for Home Emergency Cover as well as cover for Legal Expenses.

What is the process for making a claim with Urban Jungle?

To make a claim with Urban Jungle, you’ll need to log in to your account on their website and follow the instructions. Once logged in to your account, you can also access your account details, view documents, and manage your policy.

When making a claim with Urban Jungle, you’ll need at least some or all of the following documents to hand:-

• Instruction booklet/s
• Policy Number
• Original purchase receipts/invoices, bank and/or credit card statements
• Utility bill/s
• Plans and deeds of your home
• Photographs of the damage

Depending on what you’re making a claim for, other evidence may also be requested. This is because some items – such as valuable jewellery – can have specific claim requirements.

Excess and no-claims discount

An excess is the amount you have to pay towards the cost of a claim. For example, if your home had water damage to your property that will cost £5,000 to repair and your policy hs an excess of £100, your provider will give you £4,900 after the £100 you paid has been deducted. Essentially, you’re paying a share of the claim costs.

For its Contents insurance policy, Urban Jungle allows customers to select their own excess, with costs starting at £0.

Although paying no excess may seem an attractive offer, it’s worth bearing in mind that choosing to pay a higher excess will usually bring down the cost of your premiums.  

For Urban Jungle’s Building Insurance core policy, you can choose an excess between £100 and £500.

Excess limits for certain events, such as escape of water and subsidence, will be higher and can go up to £1,000, but the exact amount will be outlined in your policy document.

If you opt for a combined Buildings and Contents insurance policy, different excess levels can be selected for each part of the cover. If a claim you make affects both parts of the cover (Buildings and Contents), only the higher excess that has been set will apply.

No-claims discount

Urban Jungle does offer a no-claims discount (NCD), which is earned for each year you continuously hold buildings and contents insurance without making a claim.