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

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 top retailers with our exclusive UW cashback card.**

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.

Full T&Cs are on our website.

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.


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.