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

Relax with 5 star cover

Award winning home insurance

Benefit from our award winning home insurance

Our Essential home insurance cover has been independently rated 5-stars by Moneyfacts, so you can be confident in a home insurance with exceptional features.

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Up to 20% off your premium with our No Claims Discount

Our No Claims Discount offers you more savings on your premium. If you have a claim-free period of 4 years or more with your previous insurance, you can benefit straight away.

Get up to £50* M&S gift card when you purchase your home insurance with us.

 

Take out buildings and contents cover and you get a £50 M&S gift card or a £20 gift card when you purchase either a buildings or contents policy, as a thank you from us. Simply quote HOMEWEB2 to receive your offer.

Reasons to choose Benenden Home insurance

  • 5-star rated Essential cover from brands you can trust

    We've partnered with Royal & Sun Alliance plc (RSA) who has been protecting customers for over 300 years and covers 2.4 million homes in the UK so you can benefit from a wealth of experience and expertise.

  • Your own project manager for costly claims (claims over £3,000)

    We make sure you get the right level of care and support should the unexpected happen. That’s why you’ll be given your own personal claims handler to manage your claim from beginning to end.

  • Cover that’s right for you and your home

    We offer up to £400,000 on our Essential cover and £750,000 on our Premier cover for the full cost of rebuilding or repairing your home. Plus, you can further extend your home insurance by choosing from optional add-ons.

  • Optional add-ons including 24/7 Home Emergency Assistance

    Whatever the time day or night, you can call on us during an emergency such as burst pipes or a theft. We’ll help by quickly organising repairs by expert tradesmen and secure your home if it’s been broken into.

  • We reinvest our surplus funds back into our community

    As we don't have any shareholders, all surplus funds are invested back into the Benenden Health community to help improve our services to our members.


Benenden members will receive a £20 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. To receive your gift card, the promotional code HOMEWEB2 must be quoted over the phone or entered into the online application form when taking out a Benenden Home Insurance policy. 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 may be withdrawn at any time.

 

It’s easy to tailor your Benenden Home Insurance to suit your needs

In two simple steps, you can create your personalised home insurance at the right price.

1. Choose the type of cover at the level you want (building, contents or combined)

Building Cover
Up to £750,000 to rebuild your home
Essential
Up to £400,000
Premier
Up to £750,000

This will cover the cost to repair or rebuild your home. This typically is less than the market value as it does not include the value of the land. Your current home insurance policy documents may indicate the rebuild cost, as will a surveyor’s report or mortgage valuation.

Contents Cover
Up to £75,000 to replace your contents
Essential
Up to £50,000
Premier
Up to £75,000

This protects the things you own in your home. For example, if you were broken into and items were taken, or you suffered a fire in your home, this would pay out to replace your lost or damaged contents. It covers items such as furniture, carpets, curtains and free-standing white goods - for example, fridges, cookers and dishwashers.

  

2. Choose optional add-ons to further personalise your cover that’s right for you and your home

24/7 Home Emergency Assistance

No matter on the time, day or night, you can call us during a home emergency such as a burst pipe or a theft. We’ll help by quickly organising repairs by expert tradesmen and secure your home if it’s been broken into.

Buildings Accidental Damage

This applies to buildings only and covers accidental damage to your building such as pipes and cables, glass in your windows, sanitary fittings (e.g. baths, shower trays or sinks) and even putting your foot through the ceiling.

Contents Accidental Damage

This applies to contents only and covers accidental damage to contents in your home. For example, if you spill red wine on the carpet.

Technology and Entertainment Cover

This applies to contents only and covers most items of technology and entertainment against loss or damage while in or away from home.

Covers:

  • TVs, DVD players, satellite equipment
  • MP3 players, iPods, music downloads
  • Phones, mobile phones and fax machines
  • PCs, laptops, tablets and printers
  • CD players and radios
  • Cameras and accessories
  • Musical instruments and accessories
Personal items

This applies to contents only and covers clothing, jewellery, watches, medals, money, credit cards and items which you and your family normally wear or carry against loss or damage while in or away from home.

Pedal Cycle

This applies to contents only and protects pedal cycles against accidental damage, theft and loss while in or away from home.

Garden

This applies to contents only and covers your garden - from trees to garden equipment such as lawn mowers or patio furniture.

Family Legal Protection

Cover up to £50,000 to help and protect with legal problems including personal injury or employment & contract disputes.

Help and advice over the phone

You can call our friendly team Monday to Saturday
Our UK based call centre is open six days a week, where our friendly team is on hand to help you with your home insurance queries.

Making a claim

You can call our claim helpline 7 days a week
Our UK based team is available seven days a week to assist you making a claim on your policy.

New for old replacement 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.

Your own personal project manager for costly claims (claims over £3,000)

We make sure you get the right level of care and support should the unexpected happen
We understand having to make a home insurance claim can be stressful, particularly if it’s due to your home being broken into. That’s why you’ll be given your own personal claims handler to manage your claim from beginning to end.

Financial help if you cannot live in your home due to an insured loss

We cover the cost while your home is repaired
If you are unable to live in your home, for example after a fire or flood, Benenden Home Insurance will cover the cost of you living in similar accommodation while your home is repaired.

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 24/7 Home Emergency Assistance, Accidental Damage, Technology & Entertainment and Garden cover. Find out more about our optional cover here.

Up to 20% No Claims Discount

Save on your premiums straight away
Benenden No claims Discount offers you more savings on your premiums. If you have a claim-free period of 4 years or more with your previous insurer, you can benefit from our no claims discount straightaway.

Useful telephone numbers

Making a change to your policy or renewing

0800 414 8556

Monday to Friday - 9am to 7pm

Saturday - 9am to 5pm

Making a claim

0800 414 8556

Monday to Friday - 9am to 8pm

Saturday - 9am to 5pm

Sunday - 10am to 5pm

24hr Home Emergency Assistance

0800 294 2851

Lines open 24/7

24hr legal expenses

0330 100 9618

Lines open 24/7


Making a complaint

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 the address below:

Benenden Home Insurance
Customer Relations
PO Box 5733
Southend on Sea
Essex
SS1 2ZP

Phone: 0800 414 8556
Lines open Monday to Friday - 9am to 7pm, Saturday - 9am to 5pm
Email: benendenenquiries@benendenhome.co.uk

 

Before you get in touch

  • 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 too.

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

Aiming to make claiming easy

If you need to make claim, make sure you have your policy number and schedule to hand. All claims are handled by RSA, the underwriter of Benenden Home Insurance. You may also find it useful to have made as many notes as possible of any damage and any information you hold about the value of items, like the receipts for the items you’re claiming for — this will enable their specialist team to process your claim as quickly as possible.

Information to have on hand when you call

To make the process as quick as possible, please ensure you have the following information to hand before you call:

  • Your policy schedule: It contains your policy number and the personal details you gave when you took out cover. It’s worth taking 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.

What happens once a claim is registered?

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.


Explaining the claims process
  • 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 or repair/replacement completed.

Making a change to your policy or renewing

0800 414 8556

Monday to Friday - 9am to 7pm

Saturday - 9am to 5pm

Making a claim

0800 414 8556

Monday to Friday - 9am to 8pm

Saturday - 9am to 5pm

Sunday - 10am to 5pm

Quick links:

Important Documents Policy Wording 
Important Documents Insurance Product Information Document (IPID) 

About Benenden Home Insurance

Who regulates us?

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

About our service

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.

About the product

Benenden Wellbeing Limited only offers Home Insurance from a single insurer, Royal & Sun Alliance Insurance plc. The policy is arranged and administered by Hood Group Ltd. The Home Emergency and Family Legal Protection covers are provided by DAS Legal Expenses Insurance Company Ltd as a third party provider.

What you will have to pay us for our service

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

What we receive

Benenden Wellbeing Limited receives a commission from Royal & Sun Alliance Insurance plc 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 Royal & Sun Alliance Insurance plc calculates that a profit has been made.

Making a complaint

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.

Financial Services Compensation Scheme

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


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Read our policy summary and policy wording.