Home insurance
Existing member
Tel: {{home_insurance_number}} Tel: 0800 414 8556
Home Emergency
Tel: {{home_insurance_number}} Tel: 0800 294 2851
Legal Expenses
Tel: {{home_insurance_number}} Tel: 0330 100 9618

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^

We want to make our claims process as smooth as possible, so our new for old cover replaces damaged items covered in your policy with brand new ones.

^ Except clothing and household linen

Alternative accommodation for your family and pets, if you cannot live in your home due to an insured loss

If the damage to your home means you cannot live in it, we will arrange and cover the reasonable cost of comparable alternative accommodation for you, your family and your pets.

Optional add-ons: Personalise your cover to suit your lifestyle

You can further personalise your home insurance by choosing from our optional add-ons such as Home Emergency or Legal cover.

Find out more about our optional cover here.

Up to 40% off your premium with our special No Claims Discount

To help you cut the cost of your premium, you could receive a discount of up to 40% if you’ve not made a home insurance claim in the past five years. And even if you have, you may still be eligible for a generous discount.

Help and support over the phone

Whether you're purchasing a new policy, renewing an existing policy, making a claim, or just need further information about the product itself, our team of call handlers will be on hand to support you over the phone.

Making a claim

No one likes making a house insurance claim but unfortunately for some people, there will come a time when you need to. Should this happen though, you can enjoy peace of mind that we will assist you efficiently and professionally.

Our expert claims handlers want to help and will deal with your claim sympathetically. We are available 24 hours-a-day, 7 days-a-week to guide and help you easily through the claims process.

Home insurance

Register your interest

Benenden Home Insurance will be available very soon. We'd be happy to give you a call as soon as this becomes available.

Register your interest



Speak to one of our Home Insurance specialists

Read our policy summary and policy wording.

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

Home emergency cover provides cover for the costs of callouts, labour and parts for plumbing, electrical, and security emergencies up to a value of £1,000.

Legal cover

Legal cover includes a 24/7 advice line and cover for legal costs up to a value of £50,000.

Buildings Accidental Damage cover

Provides full accidental damage cover for the structure of your home and its fixtures. It covers, for example, putting a foot through the ceiling while up in the loft.

Contents Accidental Damage cover

Covers accidental damage to contents such as carpets and soft furnishings.

Trace and access cover

Trace and access cover insures you against the costs of detecting the source of a water leak within the home.

Personal Possessions

This provides extra cover for your personal possessions (worn or carried) whilst you are outside of the home. This product can cover individual items up to £2,500 in value (if you select total limit of £2,000 the individual limit is capped at £1,000; if you select total limit of £5,000 or above the individual limit is £2,500). Any items you wish to insure that are more valuable than this should be added as specified items. Mobile phones are covered up to £500.

Pedal cycles

Add Pedal cycles cover if you want to specify cover for your bicycles away from the home, including in the garden or while on holiday.


* 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.

Home insurance

Register your interest

Benenden Home Insurance will be available very soon. We'd be happy to give you a call as soon as this becomes available.

Register your interest



Speak to one of our Home Insurance specialists

Read our policy summary and policy wording.

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 00 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,





Phone: 0800 414 8556

Lines open Monday to Friday – 8.30am to 6pm



Email: complaints@cover.benendenhome.co.uk


Benenden Home Insurance

Customer Relations

PO Box 5733

Southend on Sea





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


Benenden Home Insurance will be available to new customers soon. If you would like us to contact you when this does become available please complete the form below.



* Mandatory field

You can opt out at any time by calling us on 0800 414 8556