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Home insurance policies purchased or renewed on or after 1st November 2020
New and existing business
24hr Home Emergency Assistance

Quoting 504952 if you have this level of cover only

24hr Legal Expenses
Home insurance policies purchased or renewed prior to 1st November 2020
Existing business
24hr Home Emergency Assistance
24hr Legal Expenses
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Home insurance

Discover our new home insurance.

  • 24-hour claims notification helpline.

  • Legal advice helpline.

  • Pay monthly at no extra cost.

Benenden Home Insurance

  • You can benefit from a wealth of experience and exceptional features from a brand you can trust.

    We’ve partnered with fellow mutual, Union Insurance Association (UIA Mutual), who have been providing great value, quality insurance to their members for over 130 years.

  • Choose cover to suit your needs.

    We offer up to £1,000,000 for the full cost of rebuilding or repairing your home. As well as up to £75,000 Contents Cover to protect items within your home, including valuables. Plus, you can further extend your home insurance by choosing optional add-ons, so you only pay for what you need.

  • Looking after more than just your home and contents.

    Any surplus funds generated from our home insurance are reinvested into the Benenden Health Community – so you’re not only getting great cover, you’ll also be helping us look after your health and wellbeing.

 

 

‘New for old’ Contents Cover^
Alternative accommodation for your family and pets, if you cannot live in your home due to an insured loss
Optional add-ons: Personalise your cover to suit your lifestyle
Help and support over the phone
Making a claim

 

Home insurance

Ready to get cover?

We offer combined buildings and contents cover, but these are also available separately too. Choose from optional cover add-ons to tailor your policy to suit you.

To retrieve a saved quote you will need the email address you provided when you saved your application

Get a quote Retrieve a quote

 

 

Speak to one of our Home Insurance specialists

Read our policy summary and policy wording.

 

* Receive a £25 M&S gift card when taking out either Buildings OR Contents cover and a £50 M&S gift card when taking out both Buildings & Contents cover. Available to new customers only. Must not have had a live Benenden Home Insurance policy in the last 15 months. Your gift card will be sent via post within 90 days of your home insurance policy start date. No alternative to this promotion will be offered. At the time the gift card is sent out, your policy must be in force. Cannot be used in conjunction with other offers. Offer ends: 30th September 2021



When you get a quote from our home insurance partner UIA Mutual, you will be able to choose personalised cover to suit you and your home in two simple steps.

 


 

Up to £1,000,000 to rebuild your home and up to £75,000 to replace your contents.

 

Up to £1,000,000 to rebuild your home.
 

 

Up to £75,000 to repair or replace your contents.


  

Home Emergency cover
Legal cover
Buildings Accidental Damage cover
Contents Accidental Damage cover
Trace and access cover
Personal Possessions
Pedal cycles

 

* These optional extras are available to customers who purchased or renewed their cover after 1st November 2020 via our new partner, UIA (Insurance) Ltd. If you purchased your Home Insurance before this date, please contact us directly to discuss your policy needs.

 

Person relaxing on sofa using laptop computer

Receive up to £50 M&S gift card* when you take out a new policy

  • Get a £50 M&S gift card when you purchase a new combined Buildings and Contents policy

  • or a £25 M&S gift card when taking out a Buildings or Contents policy.

Offer ends: 30th September 2021

Get a quote
Home insurance

Ready to get cover?

Once you've chosen your cover and any additional options you can create or retrieve your personalised quote by using one of the links below

To retrieve a saved quote you will need the email address you provided when you saved your application

Get a quote Retrieve a quote

 

Speak to one of our Home Insurance specialists

Read our policy summary and policy wording.

 

* Receive a £25 M&S gift card when taking out either Buildings OR Contents cover and a £50 M&S gift card when taking out both Buildings & Contents cover. Available to new customers only. Must not have had a live Benenden Home Insurance policy in the last 15 months. Your gift card will be sent via post within 90 days of your home insurance policy start date. No alternative to this promotion will be offered. At the time the gift card is sent out, your policy must be in force. Cannot be used in conjunction with other offers. Offer ends: 30th September 2021

If you're looking to buy, or have already purchased Benenden Home Insurance, our important information documents can be found below:



Benenden Home Insurance is distributed by Benenden Wellbeing Limited, an insurance intermediary, which is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 593286). Registered in England and Wales (Company No 8271017). Benenden Wellbeing Limited is a wholly owned subsidiary of The Benenden Healthcare Society Limited. Registered Office of both: Holgate Park Drive, York, YO26 4GG. You can find us on the Financial Services Register at www.fca.org.uk/register or you can call them on 0800 111 6768. Benenden Health is a trading name of The Benenden Healthcare Society Limited

Benenden Wellbeing Limited distributes the product on behalf of the insurer. You will not receive advice or a recommendation from us. This means that you need to make your own decision as to the suitability of the product for your circumstances.

Benenden Wellbeing Limited only offers Home Insurance from a single insurer, UIA (Insurance) Ltd. The Home Emergency and Legal Helpline are provided by ARAG plc but underwritten by UIA (Insurance) Ltd.

UIA Mutual is a trading name of UIA (Insurance) Ltd. UIA (Insurance) Ltd is a member of the Association of British Insurers and is a registered society under the Co-operative and Community Benefit Societies Act 2014 (Registration Number 2898R). UIA (Insurance) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 110863). Principal and Registered Office Address in England at Kings Court, London Road, Stevenage, Hertfordshire, SG1 2TP.

Benenden Wellbeing Limited do not charge you any fees in relation to your home insurance.

Benenden Wellbeing Limited receives a commission from UIA (Insurance) Ltd, which means that a percentage of the premium you pay is given to Benenden Wellbeing Limited. We may also receive a share of the profit from the policies we arrange if UIA (Insurance) Ltd calculates that a profit has been made.

If you think that we haven’t given you the service you expected, we’d like you to let us know so that we can try to put things right. If you’re not happy you should contact us our Customer Relations team, using the address shown in your documentation. If they can’t resolve your complaint they’ll let you have written confirmation of our final response so you can refer the matter to the Financial Ombudsman if you’d like to do so. This won’t affect your right to take legal action.

This service is covered by the Financial Services Compensation Scheme (FSCS) – further information can be found in the policy documentation.

0800 414 8556

Monday to Friday - 8.30am to 6pm

0800 414 8556

Lines open 24/7

0333 000 7970

Lines open 24/7

0333 000 7875

Lines open 24/7

*Quoting 504952 if you have this level of cover only

0800 414 8556

Monday to Friday - 9am to 5pm

0800 414 8556

Monday to Friday - 8am to 7pm
Saturday - 9am to 1pm

0800 294 2851

Lines open 24/7

0330 100 9618

Lines open 24/7


At Benenden Home Insurance we do everything we can to make sure that you receive a high standard of service. If you think that we haven’t given you the service you expected, we’d like you to let us know so that we can try to put things right. If you’re not happy you should contact us using the detail in your policy documentation or you can write to us at one of the addresses below:

 

Benenden Home Insurance

UIA (Insurance) Ltd

Kings Court

London Road,

Stevenage

Herts

SG1 2TP

 

Phone: 0800 414 8556

Lines open Monday to Friday – 8.30am to 6pm

 

 

Email: complaints@cover.benendenhome.co.uk

 

Benenden Home Insurance

Customer Relations

52/54 Alexandra Street,

Southend-on-Sea,

Essex

SS1 1BJ

 

 

Phone: 0800 414 8556

Lines open Monday to Friday – 9am to 7pm,

Saturday – 9am to 5pm

 

Email: benendenenquiries@benendenhome.co.uk

If you need to make a claim, make sure you have your policy number and schedule to hand. You may also find it useful to make as many notes as possible about what happened, any damage and how much the items are worth (receipts are really helpful for this) — these steps will enable our specialist team to process your claim as quickly as possible.

Dad playfully chasing young son in the home

  • Switch off the electricity, water, gas etc., if this will prevent any further damage to your home, provided it is safe to do so.

  • Keep all damaged items which you are claiming for, as the claims handler may need to see them. If there is risk of further deterioration, take photographs of the items too.

  • Collect all paperwork that supports your claim including receipts, valuations, guarantees and instruction manuals. Photographs of items may help as well.

  • Report theft and malicious or impact damage to the police immediately.

Older couple dancing together in the kitchen

  • Your policy schedule: It contains your policy number and the personal details you gave when you took out cover. Please take a moment to look at the cover you bought.

  • Your policy excesses: It’s worth checking your policy excesses; all payable excesses are listed on your policy schedule.

Mother wrapping towel around toddler in bathroom

  • Claim is initiated by phone – during this call the Claims Team will establish whether your policy covers the nature of the claim described.

  • If the policy provides cover for the claim, it will be registered and guidance given on the next steps.

  • The Claims Team will speak to you to establish the circumstances around what’s happened and the extent of the damage. Dependent on the claim type, the extent of the damage or the potential solution, they may ask to send someone to assess the situation. If so, this will be discussed during the call.

  • Options will be discussed and the best approach agreed.

  • Estimates may be requested ahead of any work taking place and receipts or supporting documentation afterwards, to support the claim. Depending on the nature of the claim, the team can also put you in touch with authorised tradespeople.

  • Settlement paid (usually within three days) or, repair completed /replacement received.

two young children playing on floor

Depending on the type of claim you make, it may be possible for your claim to be settled by the claims team. If your home or belongings require any repairs, it may be necessary to appoint someone to assess the damage. Once registered, a Claims handler will make sure you are always up-to-date with progress.

 

Contact details to submit your claim can be found on our Useful Contacts page.

Person relaxing on sofa using laptop computer

Receive up to £50 M&S gift card* when you take out a new policy

  • Get a £50 M&S gift card when you purchase a new combined Buildings and Contents policy

  • or a £25 M&S gift card when taking out a Buildings or Contents policy.

Offer ends: 30th September 2021

Get a quote

* Receive a £25 M&S gift card when taking out either Buildings OR Contents cover and a £50 M&S gift card when taking out both Buildings & Contents cover. Available to new customers only. Must not have had a live Benenden Home Insurance policy in the last 15 months. Your gift card will be sent via post within 90 days of your home insurance policy start date. No alternative to this promotion will be offered. At the time the gift card is sent out, your policy must be in force. Cannot be used in conjunction with other offers. Offer ends: 30th September 2021

  • If you haven’t already, before you get a quote, please make sure you have read about Benenden Home Insurance.

  • Once you have read the information, if you are happy to proceed please get a quote by using the button below.

  • Have had any home insurance cancelled, declined or renewal refused.

  • Have been asked to accept any special conditions or had any special terms or additional premiums imposed in respect of home insurance.

  • Have been convicted of any offence (other than motoring offences) or have any prosecutions pending.

  • Is an Actor, Actress, Antique Dealer, Art Dealer, Bookmaker, Jeweller, Merchant Seaman, Professional entertainer (or any other occupation connected with the performing arts, radio, television or film), or Professional sportsperson (including managers, trainers and promoters).

  • Is used for business purposes other than clerical duties and you have business visitors.

  • Is not in a good state of repair and will not continue to be maintained in this condition.

  • Has been affected by flooding in the last 10 years.

  • Has a thatched roof.

  • Has been damaged by subsidence, landslip or heave.

  • Is unoccupied or unfurnished for more than 60 days continuously.

  • Has any trees higher than 10 metres within 5 metres of the property.

  • Is for sale.

You must answer all questions honestly and truthfully and to the best of your knowledge. Not doing so could invalidate the insurance and result in the insurance being cancelled or a claim not being met in full.

By proceeding with this quote, you are giving us consent to contact you about this home insurance enquiry by post, email or phone.


Not due to renew your home insurance yet?

Register your interest and a member of our team will be in touch closer to the time to discuss your requirements


* Receive a £25 M&S gift card when taking out either Buildings OR Contents cover and a £50 M&S gift card when taking out both Buildings & Contents cover. Available to new customers only. Must not have had a live Benenden Home Insurance policy in the last 15 months. Your gift card will be sent via post within 90 days of your home insurance policy start date. No alternative to this promotion will be offered. At the time the gift card is sent out, your policy must be in force. Cannot be used in conjunction with other offers. Offer ends: 30th September 2021