*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.