Switch to UW and save over £122* a year on your home insurance policy
The legal bit
*On average, customers who switched to our Home Insurance between 01/01/23 and 31/07/23 and gave us information on their insurance renewal dates saved £122, including Home Emergency & Legal expenses, compared with the renewal quote from their current provider.
Based on average savings when UW customers switch their premium to us.
Our panel of insurers will automatically give you their best-possible price for your policy, year after year.
Unlike other providers, we won’t charge you extra to spread the cost of your cover with monthly payments.
We’ll bundle it onto your single, great value UW bill
The legal bit
*Customers who purchased home insurance from UW between January 01 2023 and July 31 2023 saved an average of 32% vs their previous premium price with another insurer.
Type of Cover | What does it cover? | Cover Limit |
Buildings Insurance | Covers the main structure of your home if you need to rebuild or repair it after a fire, flood or theft. | £1,000,000 |
Contents Insurance | Covering the value of all your possessions in the home. | £80,000 |
Trace and access | Replacing any parts of the building that were removed to help get to escaping water. | £10,000 |
Alternative accommodation | For you and your pets, in case you can't live at your home while it's being repaired after an insured event. | £53,000 |
Lock replacement | Cover to replace your locks should you lose your keys. | £1,000 |
Office equipment | Replacing any of the furniture, computers or other equipment that you and your family use for work. | £5,000 |
Digital information | If you lose information stored on your computer through a malicious program or an unauthorised source. | £2,000 |
Students insurance | Protecting your full time students' possessions while they're away pursuing further education at the UK educational institution of their choice. | £2,500 |
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Type of Cover | What does it cover? | Cover Limit |
Contents Insurance | Covering the value of all your possessions in the home. | £80,000 |
Office Equipment | Replacing any of the furniture, computing and any other equipment that you and your family use for work. | £5,000 |
Digital Information | If you lose information stored on your computer through a malicious program or an unauthorised source. | £2,000 |
Alternative Accommodation | For you and your pets, in case you can't live at your home while it's being repaired after an insured event. | £8,000 |
Loss of food | If you lose food in your freezer due to a change in temperature or contamination from the refrigerant. | £1,000 |
Theft or malicious acts to contents in outbuildings | Should someone cause damage to the contents inside your shed, we've got you covered. | £3,000 |
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For the eighth year in a row, two of the UK’s most trusted sources of expert financial product ratings, Defaqto and Moneyfacts, have awarded UW’s Home Insurance product 5-stars.
Our customers save on avg. over £122 a year vs. their previous policy price*
Our cover has been 5 star rated by independent experts Defaqto, 8 years running
We work with a panel of insurers who compete on the price to provide the same great UW cover for your policy
UW Home insurance or House Insurance is only available to our existing customers who have an established direct debit set up. It’s another perk of being a UW customer.
UW provides a choice between either buildings, contents or comprehensive combined insurance to safeguard your home and belongs. So if you’re a homeowner or a renter we can provide the cover you need.
Learn more about types of home insurance cover
We work with a panel of top-notch insurers to provide our customers with the same great UW Home Insurance cover every year. When you get a quote, as well as at renewal, each of our insurers will provide a price based on your circumstances and we select the best. Meaning that we shop around so you don’t have to!
Yes - because UW have written the policy wording (not the insurer) your cover levels and limits stay the same.
So, unless you’ve specifically requested any changes to your policy, we’ll get you a quote for the exact same level of cover as the previous year. If anything changes we’ll notify you in writing.
We don’t hook you in with a cheap deal the first year only to raise it at renewal. We give you the best price for home insurance from our panel of insurers every year. Meaning you get a competitive rate at the start as well as every year you’re insured with us.
Yes! As part of our one bill promise your Home Insurance payments will be added to your monthly bill. And unlike some insurers we don’t charge any additional fees (like interest) for spreading the cost over the course of the year. Easy.
To make things easy we’ll just add your insurance premium to your monthly UW bill. Unlike other insurers we don’t charge you a fee or interest to pay monthly. Meaning you can spread the cost of your cover without any penalties.
We think our insurance is the best, but you don’t have to take our word for it. Defaqto and Moneyfacts are two, independent financial information businesses who provide expert consumer advice.
They rank financial products and services to make it easier for consumers to distinguish between the quality and level of cover they will receive, and they both have given UW Home Insurance 5 stars. Their highest possible rating.
We work with a panel of insurers who all provide the same great UW Home Insurance cover. Every year we ask them to provide their best price for your cover and select the insurer who comes in lowest. Meaning you get the same great cover, year after year, and always with a competitive price.
As we work with a panel of insurers your first port of call is to refer to Page 1 of your Policy Schedule. There you will find the number to call to get started with your claim.
Get help to understand how to make a insurance claim
Click here to submit a reading. You can find a guide to taking readings here (or if you have a smart meter, here).
