Insurance

Take it easy with 5-star insurance products, support from our UK-based customer service team and even more great savings.

Great savings

Members who switch to UW typically save hundreds of pounds compared to the cost of renewing with their current provider*.

5-star service

Don't just take our word for it – independent insurance experts, Defaqto and Moneyfacts, give our insurance services top marks.

Value you can trust

Unlike other providers, you'll always get the best premium from our panel of insurers, whether you're signing up, or renewing your policy.

The legal bit

*Customers save over £115 on average when switching their buildings and contents insurance and £152.37 on average when switching to our Boiler & Home Cover.

Coverage you can count on

Take advantage of our highly rated Home Insurance and you’ll be able to pay monthly at no extra cost and could save as much as £115*.

Protecting your home

With Boiler & Home Cover, you’ll get a free annual service, 24/7 support from our claims team and unlimited call outs, all for a great price.

Peace of mind with Bill Protector

If you’re not able to work through no fault of your own, we'll cover up to £250 towards the cost of your monthly bill for six months, plus we’ll provide £10,000 of accidental death cover. All for just £2 per month. Terms apply. 

The legal bit

*On average, members who switched to our Home Insurance between 1/12/18 and 31/12/18, who gave us the information, saved £115 compared with the renewal quote from their current provider.

Bill protector 
All Members are entitled to apply for our Bill Protection benefit (“Bill Protector”) which provides personal accident and accidental death cover (‘ Personal Accident cover’ ) for up to two named account holders, as well as paying your Utility Warehouse Bill (up to a maximum of £150 per month for a maximum of six months in any 12 month rolling period) (‘Accident, Sickness and Unemployment cover’) in the event you lose your main source of income through an insured cause. For Personal Accident, your cover will commence on the first day of the month following the month in which we produce your first Utility Warehouse Bill which includes the itemised monthly cost of Bill Protector and for Accident, Illness and Unemployment cover, your cover will commence on the first day of the month following the month of the third Utility Warehouse monthly Bill we produce for you which includes the itemised monthly cost of Bill Protector; to maintain cover, you must continue to pay your premiums, in full, on a monthly basis thereafter. No benefits are payable under this policy if, on the date an event occurs which may give rise to a claim, any amount invoiced to you by us is overdue for payment. Only one claim per Personal Accident cover and one claim per Accident, Sickness and Unemployment cover can be made in any rolling 12 month period. Where there is a loss which is covered by both the Personal Accident cover and Accident, Sickness and Unemployment cover then you will only be entitled to claim the Personal Accident cover benefit. If you ask us to cancel your Bill Protector or change the level of your cover, then this will take place with effect from the first of the month following the date on which a Bill is produced by us showing the agreed revised premium. In the event we are not supplying any Services to you (excluding Bill Protector), on the date that your Bill is processed, and there are no pending Services which you have applied for within the previous 42 days, then your Bill Protector cover will terminate with immediate effect and no further premiums will be charged. Details of the levels of cover provided and the full Terms and Conditions of Bill Protector are available on our website at www.uw.co.uk/terms-conditions

More ways to save

Get as much as £200 towards the costs of switching all your services from your old provider to UW.

Enjoy as much as 7% cashback at 50 top retailers with our exclusive UW Visa cashback card.

Go green with free, energy-efficient LED light bulbs in your home, for as long as you're with us.

The legal bit

*£200 to help you switch

The maximum credit of £200 is only available to customers who take out home phone, broadband and at least one mobile service which is live on their account on the date their claim is submitted and for 12 months after the credit is applied.

Please see our terms and conditions for further information and eligibility criteria.



**Cashback card
You can earn unlimited CashBack from our Retail Partners each month. Purchases from other retailers are eligible for CashBack on general spend of up to £1,000 per month. 1% CashBack at non-partner retailers is available for Visa issued cards only; the minimum of £120 CashBack each year assumes a monthly spend of at least £1,000 using the CashBack card for eligible transactions, guided by the average UK household spend recorded in the Office of National Statistics data for 2017. “The UK’s Best” claim is supported by a direct comparison with other CashBack cards on the market; for more detail see our website. Exclusions apply. Calculated based on Office of National Statistics data for 2017 average UK household spending, excluding housing and mortgage costs, with £650 monthly spend earning 3%-7% CashBack at qualifying UW Retail Partners and £1,000 monthly spend earning 1% Cashback at other retailers.

***Free light bulb replacement service.
a) This service is available to Gold and Double Gold members who are either (i) an owner-occupier; or (ii) a tenant aged over 30 where we have installed a smart meter in their property. All the light bulbs in your home will be changed provided we have an LED equivalent, and your existing bulbs are safely and easily accessible. The typical value of £300 - £500 is based on 39 LED bulbs at an average retail price of £8 plus a £100 charge for fitting. Lifetime Guarantee only applies provided you have your landline, broadband and mobile services with us on the date you request a replacement; otherwise a three-year warranty applies. Other exclusions apply. 15% quoted saving based on a typical household using 2,900 kWh of electricity, where 39 traditional light bulbs are changed to LEDs, with an average reduction of 45W per light bulb (eg. from 50W to 5W) and where each LED light bulb is used for an average of 45 minutes per day. If we fit new LED light bulbs in your home and you cease to take any landline, broadband or mobile service from us within the following two years (which you were taking at any time after you requested our free light bulb replacement service), you'll need to pay a contribution towards the cost of the LED bulbs we provided; the size of this contribution varies between £2 - £8 per bulb, depending on how long your bulbs have been installed. This offer can be withdrawn at any time. Full T&Cs are on our website.

FAQs

How do I pay for my Insurance?

We will collect payment from you by Direct Debit, and this is done at no extra charge (i.e. 0% APR)

When will I receive my policy documents?

Your policy documents are emailed to you immediately after purchase, and are available to view at any time from your Clubhouse.