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Home insurance
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Quoting 504952 if you have this level of cover only

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Home insurance

  • 5-star Defaqto rated.

  • Underwritten by a panel of seven insurers.

  • 24 hour Claims notification.

Benenden Home Insurance

Home Insurance is currently unavailable for purchase.

If you already have a policy with us, information about your policy and details on how to make a claim can be found below.

If you've already purchased Benenden Home Insurance:

Landlords Insurance

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 or you can call them on 0800 111 6768. Benenden Health is a trading name of Benenden Wellbeing Limited.

Benenden Wellbeing Limited distributes the product on behalf of the insurer. You will not receive advice or a recommendation from us. 

Benenden Wellbeing Limited only offers Home Insurance from a single Insurer, Uinsure Limited. Uinsure Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 463689). Registered address: 8 St John Street, Manchester, M3 4DU.

Benenden Wellbeing Limited do not charge any fees in relation to your home insurance. However, Uinsure charge a standard £36 fee at each renewal, but there are no additional charges to make changes in the policy year or to cancel. Should you pay for your Home Insurance monthly, there is a 12% fee added for premium finance.

Benenden Wellbeing Limited receives a commission from Uinsure Limited, 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 Uinsure Limited 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.

Useful telephone numbers

0800 414 8556

Monday to Friday - 9am to 5pm

0800 414 8556

Lines open 24/7

0800 999 4215

Lines open 24/7

0344 770 1040

Monday to Friday - 9am to 5pm

** As Uinsure use a panel of underwriters to process your claim, please visit our contact page for further info so we can get you to the correct team as quickly as possible.

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 one of the addresses below:

Uinsure Customer Services
PO Box 1189
(please include your policy number and claim number if appropriate)

Phone: 0800 414 8556

Lines are open Monday to Friday - 9am to 5pm

Alternatively you can get in touch using our contact form

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.

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  • 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.

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  • 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.

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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.