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.
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
- Personalised cover that’s right for you and your home - we offer up to £750,000 to cover the full cost of rebuilding or repairing your home and up to £75,000 to replace your contents in events such as fire, flood or theft. Plus, you can further personalise 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 community to help improve our services to our members
Get up to 20% off your premium with our No Claims Discount
Benenden's No Claims Discount offers you more savings on your premium. If you have a claim-free period of 4 years on more with your previous insurance, you can benefit straightaway.
It’s easy to tailor your Benenden Home Insurance to suit your needs. In 2 simple steps, you can create your personalised home insurance at the right price.
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.
This protects the things you own in your home. For example, if you were broken in to 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.
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.
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.
This applies to contents only and covers accidental damage to contents in your home. For example, if you spill red wine on the carpet.
This applies to contents only and covers most items of technology and entertainment against loss or damage while in or away from home.
- 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
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.
This applies to contents only and protects pedal cycles against accidental damage, theft and loss while in or away from home.
This applies to contents only and covers your garden - from trees to garden equipment such as lawn mowers or patio furniture.
Cover up to £50,000 to help and protect with legal problems including personal injury or employment & contract disputes.
Whether you choose our Essential or Premier cover, all this comes as standard:
Our UK based call centre is open 6 days a week, where our friendly team is on hand to help you with your home insurance queries.
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.
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.
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.
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.
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.
Visit the home hub
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.
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?
Dependent 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.
Lines are open 9am - 7pm, Monday to Friday and 9am - 5pm on Saturday
Lines are open 8am - 7pm, Monday to Friday and 9am -5pm on Saturday
Lines open 24/7
Lines open 24/7
Get your personalised quote - it only takes 5 minutes
With Benenden, you can create your own home insurance package in two simple steps.
Step 1: Choose your cover from building and contents combined to buildings or contents only at the level you want whether that’s Essential or Premier.
Step 2: Choose your optional add-ons to further personalise your cover