Santander home insurance review – Which?

In addition to banking services, Santander offers home and car insurance.

High street bank Santander’s home insurance policy is underwritten by Aviva Insurance Limited.

Santander offers the following levels of home insurance cover:

What does Santander’s home insurance cover?

Elements marked with a ✔ are covered as standard, those marked with a ✖ are not. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

Does Santander offer the best home insurance?

Here’s how Santander scored in our latest home insurance survey:

Santander Home And Mobile Insurance Review

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Our Scores

Overall Which? score

Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider’s policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.

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Which? Customer Score

Which?’s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer’s overall satisfaction with the brand, and how likely they are to recommend that brand.

Buildings policy score

Which?’s rating of the quality of this company’s buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.

Contents policy score

Which?’s rating of the quality of this company’s contents insurance policy. We analysed 66 features of its cover to calculate the policy score.

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

Santander’s home insurance policy: is it good or bad?

We’ve rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you’re not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Santander Classic home insurance rated

Table last updated in March 2022. Next update in March 2023.

Does Santander offer different levels of home insurance cover?

Santander also offers Plus home insurance, which features a higher level of cover, generally for a higher premium. Log in to find out how we rated it.

To see how Santander home insurance compares with other policies check out our guide on the best and worst home insurance.

How can you save money on Santander home insurance?

The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.

Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all-dancing policy – but certain add-ons might not be for you, or could duplicate cover you already have separately.

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.

Santander home insurance can be purchased online and over the phone.

Santander’s home insurance policy is available on the following price comparison websites:

Above information correct as of February 2022. For more tips see ourguide to getting a cheap home insurance quote.

What is the Santander home insurance claims number?

If you need to make a home insurance claim with Santander call 0345 301 0661.

Find out more about claiming successfully in our guide to making a home insurance claim.