Insurance

Protect the things which matter to you with our
5-star rated insurance services.

Great savings

Customers who switch to UW typically save hundreds of pounds compared to the cost of renewing with their current provider*, while also enjoying no additional charges on monthly payments. 

5-star service

Independent insurance experts, Defaqto and Moneyfacts, give our insurance services top marks for benefits such as our award-winning, UK-based customer services team.

Value you can trust

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

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

Unlike other providers, UW uses a panel of insurers to get you the best price every year for your policy, so you can simply switch and forget.

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 £3.50 per month. Terms apply. 

The legal bit

*On average, customers 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 customers 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/legal/terms-conditions.

Our Peace of Mind Promise

When you switch all your home services to UW you can get:

£200 towards any early termination fees with existing suppliers

30 days to change your mind, and switch away without penalty

Double the Difference after 12 months if you don’t save

The legal bit

'Up to' savings 

Up to' savings shown combine savings comparisons from any energy or telephony service applicable to that bundle.

For telephony services, savings are the average available. Landline/broadband: our fixed line broadband (incl. 10% discount for Gold Talk & Double Gold) compared to BT, EE, Plusnet, Shell, SSE, Sky, TalkTalk standard price ADSL broadband product or nearest equivalent across a three year period, including line rental, call charges and additional costs such as calling features. Average saving of £16.63 over three years. Mobile: our Unlimited tariff with an iPhone 12 64GB on a 24 month contract compared to EE, GiffGaff, ID, O2, 3, Virgin, Vodafone  equivalent including line rental and additional costs such as mobile handset upfront costs. Average saving of £43.88 over 24 months. Information correct as of 19 April 2021.

Energy savings and guarantee are compared to the Ofgem calculated Price Cap level (which is typically where most large suppliers variable tariffs are priced), based on payment by direct debit for typical household consumption of 2,900 kwh general domestic electricity and 12,000 kwh gas.  Our Energy Price Guarantee does not apply to our Double Gold Fixed and green Fixed tariffs. Information correct as of 22 April 2021.

 

Market-leading Unlimited mobile tariff

Unlimited data, calls and texts every month when you use your SIM in a personal mobile device. First Unlimited SIM for just £20 per month, then get up to three additional Unlimited SIMs for just £10 each. Rolling 30 day contract - subject to the Residential Fair Usage Policy. Terms & conditions apply.

 

Cashback card

You can earn unlimited cashback of up to 7% 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. terms & conditions apply. 

 

Whole Home WiFi with eero devices

Mesh WiFi to extend signal reach for larger homes. £2.50 per eero, per month (plus postage and packaging). Number of eero devices required depends on the size of your property. eero devices can only be taken where you take our broadband service and at least one other service. eero devices are rented to you and must be returned undamaged at the end of the contract. eero devices are locked to the UW network. Terms & conditions apply.

 

10% off Phone and Broadband

Switch your mobile to us as well, and we’ll give you an extra 10% discount on the cost of your broadband and line rental that could save you over £40 a year! Additional requirements apply to customers who are tenants. Terms & conditions apply.

 

Energy always cheaper than Ofgem’s Fair Price

When you switch your gas and electricity to us, we guarantee you will save money compared to the Ofgem calculated Price Cap level (which is typically where most large suppliers variable tariffs are priced).  So once you switch to us, you'll never need to switch again!

 

5-star rated Boiler & Home cover available

Emergency repairs on home essentials - from heating and plumbing, to drains, roofing and electrics. As rated by independent insurance experts, Defaqto and Moneyfacts.
 

Our best value energy and 100% renewable electricity

Our green fixed tariff (available only as part of the Double Gold bundle) means new customers who take all of our services can power their homes with 100% renewable electricity.

 

A woodland tree in your name

We’ll fund the planting of a tree for every new customer who takes all of our services. The tree will be planted in the UW Woodland in Bryn Arw in the Brecon Beacons.

 

£200 to help you switch

When you switch your Home Phone, Broadband and Mobile to us, we'll give you up to £200 towards any termination fees you have to pay to your current providers. Additional requirements apply to customers who are tenants. Terms & conditions apply.

 

30 days to change your mind

If you’re new to UW and sign up as a Double Gold customer you can cancel any of the following services within 30 days - Home Phone, Broadband, ‘SIM only’ connections, Electricity, Gas and Boiler and Home Cover. You just need to pay for any installation costs and costs you have incurred by using these services. You must also return any equipment we have supplied to enable you to use these services (complete, undamaged and in its original packaging). Terms & conditions apply.

 

Double the difference

This is your guarantee of saving money when you join UW as a Double Gold customer. We are so confident you will save money overall, compared with your current suppliers, that we'll give you back 'Double the Difference' if you don't! Terms & conditions apply.

Latest Insurance news

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Latest news icon insurance

What insurance do we offer?

16 April 2021 - UW is more than just a utilities provider. We also offer customers a range of insurance products to cover their possessions or boiler.

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Latest news icon award 01

UW awarded two 5-star ratings by Moneyfacts

4 January 2021 - We’re kicking off 2021 with some exciting news! Our home insurance has been awarded two 5-star ratings by Moneyfacts.

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Latest news icon regulation 02

Making a claim, what you need to know

10 December 2020 - If you need to make a claim on your UW insurance, here's what you need to do.

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 online account.