Home Insurance

Santander Options Home Insurance is arranged and administered by BISL Limited.

Let us shop around for you. We'll offer you the best price from our panel of ten insurers including Axa, Ageas, Legal & General, Zurich and The Co-operative - to name just some of them.

Plus, if you are an existing Santander customer, we'll give you a discount of 20%, or 30% if you hold a Santander 123 Current Account or 123 Credit Card. Discounts apply to combined buildings and contents policies only. Terms and conditions apply*

For illustrative purposes only, your actual premium will depend on your individual circumstances.

For a separate quote on buildings only or contents only cover please click here.

If you are not an existing Santander customer, but you would like a quote, please click here or call us on 0800 048 1867.


What's covered by our buildings insurance?

  • We will cover up to £750,000, depending on the sum insured
  • Protection against fire, storm, flood, theft, vandalism, leaks and subsidence
  • Accidental damage to glass, ceramic hobs if fitted and sanitary ware as standard
  • Additional accidental damage cover can be purchased to provide cover for unfortunate accidents such as damage caused by DIY accidents
  • Cover during the sale of the property
  • Cover for professionally installed solar panels and source heating pumps as standard
  • Theft or loss of keys up to £500
  • Emergency access cover for damage caused by fire, ambulance or police services if they have to make a forced entry to your home as a result of an emergency.

More information on what's covered

Get a Quote

What's covered by our contents insurance?

  • Contents up to the value of £99,000, depending on the amount of cover selected
  • New for old cover - terms and conditions apply 
  • 10% increase in contents sum insured to cover purchases related to a wedding, Christmas or another religious event for one month either side of the relevant event
  • Up to £500 of freezer contents 
  • Up to £1,000 of garden contents cover
  • Theft of cash (up to £500 per incident), credit cards or the cost of replacement - up to a maximum of £1,000 during the period of insurance
  • Theft from the garage or outbuildings - up to a maximum of £2,000
  • Accidental damage to home entertainment equipment
  • Additional accidental damage cover can be purchased to provide cover for unfortunate accidents such as paint spillages on a sofa or carpet
  • Any bicycle worth under £350 is covered as standard, but if yours is worth more than this, you can pay an additional premium to add bicycle cover to your policy.
  • Electronic data downloads e.g. iTunes and movies (up to £250 per claim) - up to a maximum of £1,000 during the period of insurance.

More information on what's covered

Get a Quote

Next Steps

1. To get a quote, please select the appropriate link or telephone number.  This is clearly signposted above.  You will then automatically receive the relevant discount on your premium, excluding any add on products (such as Family Legal Protection) or fees.

2. If you buy online we will send you a confirmation email. A welcome pack will follow in the post with your policy details.

3. You can retrieve a saved quote online. All quotes are valid for 30 days.

Have a question? Call us on 0800 048 1853. Lines are open Monday to Friday 8am to 9pm, Saturday and public holidays (excluding Christmas Day, Boxing Day and New Year's Day) 9am to 5pm, Sunday 10am to 4pm.

Terms and conditions

When applying for a new combined buildings and contents policy Santander customers will receive either:

1) a 20% discount 


2) a 30% discount for existing Santander 123 Credit Card or Santander 123 Current Account holders only (the '123 product')

  • If you qualify for the 30% discount, you will receive this instead of, and not in addition to the 20% online discount.  The 123 product must be open before the home insurance quote is requested.  If you cancel or close the 123 product either before the home insurance starts or during the term of the home insurance or if you cancel either the buildings or contents cover, we reserve the right to withdraw the discount applied for the remaining period of cover.
  • Excludes Santander Options Home Insurance policies bought through price comparison websites.
  • Where the policy is paid for in monthly instalments the discount will be applied over the monthly instalments.
  • Quotations are subject to standard underwriting and acceptance criteria.
  • Cover is subject to terms, conditions, restrictions and exclusions.  Full details are in the policy document, which is available when you purchase a policy.
  • This offer is subject to availability. We reserve the right to withdraw or amend it at any time.

Related Links

Santander Options Home Insurance and optional extras are arranged and administered by BISL Limited who are an intermediary authorised and regulated by the Financial Services Authority. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Registered in England No. 3231094. FSA registration number 308896. Santander and the flame logo are registered trademarks. Use of these trademarks by BISL Limited is under licence from Santander Group.
Lines are open Monday to Friday 8am to 9pm, Saturday and public Holidays (excluding Christmas Day, Boxing Day and New Year’s Day) 9am to 5pm, Sunday 10am to 4pm.

Please ask us if you require information about the Financial Services Compensation Scheme or visit

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