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This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
In this article
Santander offers a wide range of financial products, including home insurance, car insurance, travel insurance and life insurance.
We've reviewed two of its home insurance policies – Classic and Plus, both underwritten by Aviva Insurance Ltd. You can buy direct from Santander, or via Compare the Market.
Please note that this article is for information purposes only and does not constitute advice.
Here's how Santander scored in our last survey.
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed two Santander policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | Unlimited | |
| Buildings - Burst pipes | As standard | |
| Buildings - Escape of water excess | £450 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 |
Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying.
This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Dean Sobers, Which? home insurance expert, says:
Santander’s standard Classic policy had fairly middling scores in our analysis - 69% for buildings and 67% for contents. These compared with averages of 71% and 68%.
We liked that it offers 24-hour telephone helplines for claims, emergency repairs and legal advice. It also doesn’t impose a single item cover limit on unspecified valuables within the total amount you’ve insured.
However, we did notice a comparatively low limit for alternative accommodation costs (rental costs if you need to temporarily live elsewhere during a claim) of £25,000.
And Santander's definition of ‘storm’ necessitates that ‘persistent high winds’ are present. This potentially excludes heavy rainstorms, hail or snowstorms, which have the potential to cause damage but aren’t necessarily associated with 55mph gusts.
If you switch to Santander from another provider before renewal, you could incur a cancellation fee from the insurer you’ve left. Santander offers to sweeten the deal by providing you with a full refund of that cancellation charge.
Santander’s plusher ‘Plus’ policy achieved higher scores of 72% for its buildings cover (just above average) and 75% for contents cover (comfortably in the top half of policies reviewed).
On paper, this would have been good enough for a Best Buy badge for its contents. But we were a bit concerned with the claims record of its insurer, Aviva, which had accepted a lower-than-average percentage of contents claims in the most recent data available when we researched the market.
We asked Santander customers who have recently made a claim how they felt about their home insurance.
We didn't have enough responses to rate Santander's customer service, but it scored 70% when we asked people to rate its claims handling – joint 5th out of 24 brands compared. See the list of results here.
When we asked more about the rating customers gave Santander, one customer explained they were 'extremely responsive', while another said they were 'very easy to contact'.
A third policyholder told us that after breaking some things in the house, they applied for the contents to be replaced: 'Santander was quick on the case and paid out for all damages –though it did take longer than I'd hoped.'
| Overall customer service | |
| How quickly claims are dealt with | |
| How fair the settlement value is during claims | |
| Giving you regular communication updates on claim progress | |
| Clarity of communication on claim progress | |
| Complaints process | |
| How co-ordinated the service during claims is |
Table last updated in September 2025. Next update in September 2026.
"-" represents where we have insufficient sample size (less than 30) to generate a star rating.
Santander sample size: Claims score, 37
To check to see if you're getting a good deal, you can find Santander's Classic and Plus policies on Compare The Market
Quotes can also be obtained via the website or over the phone. Santander says there is no difference in the price you'll be quoted.
Want to pay monthly? Good news - Santander doesn't charge any interest if you choose to pay monthly rather than annually.
The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.
Santander's building cover for its standard Classic policy scored 69%. This is just below standard policies from both Admiral and The AA.
As for contents insurance, Santander's standard policy scored 67%. That's just below the standard policies from Royal Bank of Scotland and NatWest.
If you need to make a claim with Santander home insurance, call 0345 301 0661. You can also complete an online form.
Find out more: Is it worth claiming on your home insurance?
Perhaps, if you're being offered a very competitive price on its Plus policy.
Unfortunately, the claims acceptance record of its underwriter gives us cause for concern.
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