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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
We've reviewed Uinsure's standard home insurance policy, which you can buy directly online or over the phone. It doesn't appear on insurance comparison websites.
Uninsure was founded in 2007 and its home insurance is underwritten by Ageas, Allianz, Axa, Covea and Integra.
This article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Both Uinsure’s buildings and contents scores were below average.
Policies
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed Uinsure's home insurance policy. Take a look at what it offers and what we scored it.
| Buildings - Alternative accommodation | £200,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £500 | |
| Home emergency cover limit | £1,500 | |
| Home emergency - central heating/boiler repair | £1,500 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £2,500 | |
| Contents - Alternative accommodation | £20,000 | |
| Contents - Accidental damage | Optional extra with some cover included as standard | |
| Contents - Guests' belongings | £1,000 | |
| Contents - Theft of contents in the open | £1,000 | |
| Contents - Damage to contents in the open | £1,000 | |
| Contents - Theft from outbuilding | £1,000 | |
| Contents - Damage to contents in an outbuilding | £5,000 | |
| Contents - Personal possessions cover single item limit | £2,500 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Dean Sobers, Which? home insurance expert, says:
Uinsure’s policy scores were both below average. It achieved 67% for buildings cover (vs an average of 71%) and 62% for contents cover (vs 67%).
Among its plusses was an optional legal expenses add-on with £150,000 cover. Some other policies offered a third of this.
Its accidental damage cover (which is mostly an optional add-on) includes damage caused by cleaning, which wasn’t included in the majority of policies.
It lost points for its restrictive limit for contents stolen or damaged when in the open or in outbuildings – cover was reduced to £1,000. It also had some comparatively high compulsory excesses such as £250 for personal possessions cover. With the majority of policies, the excess was half this or less.
While cover for individual belongings is typically £2,000 or more, contents policies tend to be much more restrictive when it comes to cash.
In the majority of policies we looked at, cash in the home was covered for between £250 and £750. Uinsure’s contents policy was much more generous in this respect, with a cash in the home limit of £1,500.
Uinsure is underwritten by Ageas Insurance Limited, Allianz Insurance Plc, Axa Insurance UK Plc, Covea Insurance Plc and Integra Insurance Solutions Limited. With buildings-only policies, these underwriters accepted 55-75% of claims (it varied by underwriter) – the industry average is 62%. Some 5-25% of claimants with this type of policy lodged a complaint, while the average is 13%.
Meanwhile, the underwriters accepted 80-90% of claims on contents-only policies, which is higher than the average of 71%. Some 0-15% of claimants complained – 7% is the average.
When it came to claims on combined policies, the underwriters accepted 65-85% of claims – the average is 71%. Some 5-25% of claimants complained, while 12% is the industry average.
It's not easy to compare Uinsure prices with those of other insurers. You can get a quote over the phone, on its website and via brokers, but it doesn't appear on comparison sites. But it's still worth checking out what the competition offers through other channels.
You may be able to get a discount if you buy Uinsure buildings and contents cover together.
Want to pay monthly? Uinsure charges interest of 23.7% APR, so you might be better off paying annually on an interest-free credit card.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.
While we didn't have enough feedback from claimants to calculate a customer score for Uinsure, its standard buildings policy scored 67% and ranks joint 29th in our standard buildings cover table. Virgin Money's standard buildings policy ranked the same.
As for contents insurance, its standard policy scored 62% – again the same as Virgin Money's standard contents cover – and sits in joint 25th among standard policies.
You can make a claim by visiting the dedicated claims page at Unisure. Or call 0344 844 3844.
For a home emergency, call 0330 912 9961.
Probably not. There were better alternatives in terms of cover, and we weren’t impressed by the claims records of its underwriters.
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