Benenden Home Insurance

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Protect your home with a brand you trust

Reasons to choose Benenden Home Insurance:

    • 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. That’s why you’ll be given your own personal claims handler to manage your claim from beginning to end.
    • Up to 20% No Claims Discount - 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.
    • 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 a not-for-profit organisation, any surplus funds received from Benenden Home Insurance is reinvested back into the Benenden community to help look after our members’ health and wellbeing.

Get up to £50† to spend on an M&S gift card

As a Benenden member, you will receive up to the value of £50† on an M&S gift card when you purchase Benenden Home Insurance. Receive £20 when you purchase a Buildings OR Contents only policy and £50 when you purchase a combined Buildings and Contents. Don’t forget to quote HOMEWEB70 to receive your member offer. Terms and conditions apply.

Get a home insurance quote in 5 minutes

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

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. 

Choose your cover in 2 simple steps
1Choose the type of cover at the level you want (Building, Contents or Both)
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 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.

2Choose 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.

 

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Whether you choose our Essential or Premier cover, all this comes as standard:

What's Included
Help and advice over the phone 6 days a week
You can call our friendly team Monday to Saturday

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.

New for old replacement cover
Replaces damaged items with brand new ones

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.

Get a quote in 5 minutes

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

Useful information
Whether you own or rent your home, keeping a healthy happy home is important to your overall wellbeing. So to help our members keep their home healthy, we have created a healthy home hub that gives you hints, tips and articles on how to help create a happy home environment.
Visit the home hub
Important documents to read
Useful Phone numbers
Making a change to your policy or renewing - 0800 414 8556
Lines are open 9am - 7pm, Monday to Friday and 9am - 5pm on Saturday
Making a claim - 0800 414 8556
Lines are open 8am - 7pm, Monday to Friday and 9am - 5pm on Saturday
24hr Home Emergency Assistance - 0800 294 2851
Lines open 24/7
24hr Legal Expenses - 0330 100 9618
Lines open 24/7
Get a quote in 5 minutes

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

How to claim

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.

Useful phone numbers
Making a change to your policy or renewing - 0800 414 8556*
Lines are open 9am - 7pm, Monday to Friday and 9am - 5pm on Saturday
Making a claim - 0800 414 8556*
Lines are open 8am - 7pm, Monday to Friday and 9am -5pm on Saturday
24hr Home Emergency Assistance - 0800 294 2851*
Lines open 24/7
24hr Legal Expenses - 0330 100 9618*
Lines open 24/7
Explaining the claims process
1
Claim is initiated by phone – during this call the Claims Team will establish whether your policy covers the nature of the claim described.
2
If the policy provides cover for the claim, it will be registered and guidance given on the next steps.
3
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.
4
Options will be discussed and the best approach agreed
5
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.
6
Settlement paid or repair / replacement completed.

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



Get a quote in 5 minutes

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