What Is Santander Car Insurance?

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Santander car insurance is a reliable option backed by BISL Limited. It provides several coverage choices for drivers in the UK. Whether you have a regular car or an electric vehicle, Santander helps protect you from damage, theft, and accidents. Managing your insurance policy online is simple, and the terms are easy to understand. This helps you find the best insurance policy that meets your needs.

How to Get a Santander Car Insurance Quote

Getting a quote for Santander car insurance is easy with Free Price Compare. Just visit the website and enter some basic information. You will also need to give your driving licence and car registration details. After that, you can get a quote made just for you. This helps you look at different policy options and choose the best one.

Your car insurance premium will rely on several things. These include the car you drive and your history as a driver. Optional extras, like breakdown cover, can change the price too. Free Price Compare helps you look at different levels of cover easily. You can compare options from comprehensive car insurance to basic third-party fire and theft coverage. This site can help you find a plan that suits your needs.

Santander Car Insurance Cover Levels: Comprehensive vs Third-Party

Santander offers three types of insurance to fit your needs. Here is an easy comparison of the key points for Comprehensive, Third-Party Fire and Theft, and Third-Party Only policies.

What it Covers Comprehensive Third-Party Fire and Theft Third-Party Only
Cover if your car is stolen or damaged by fire or accident Yes Yes No
24-hour emergency helpline and claims service Yes Yes Yes
Windscreen cover (subject to excess) Yes No No
Courtesy car (subject to availability and eligibility) Yes No No
Driving in the EU: up to 60 days of cover Yes Yes Yes
Unlimited cover on manufacturer-fitted audio, sat-nav, and entertainment equipment Yes No No
Stolen keys cover – up to £500 Yes No No
Personal belongings cover – up to £100 Yes No No
Approved claims repairs guarantee for 3 years Yes Yes No

Correct as of 17/10/2024

Comprehensive Cover

Comprehensive car insurance offers great protection. It covers damage to your car, theft, fires, and costs from other people. This insurance also comes with extra benefits. You will get cover for your windscreen, help if your keys are stolen, and safety for your personal items. A courtesy car will be provided while yours is being repaired. Plus, you can enjoy guaranteed repairs for up to 3 years.

Third-Party Fire and Theft

This middle-level cover helps protect you from claims made by others. It also keeps you safe from damage caused by fire or theft. However, it does not include extra things like windscreen protection or a courtesy car. This choice is good for people who want safety but do not want to spend a lot of money.

Third-Party Only

This is the easiest type of insurance. It meets the basic legal needs for UK drivers. This type of cover pays for damage to other people's cars or property. However, it does not cover you if your own car is stolen, burned, or damaged in an accident.

Each insurance policy has its own special features. A key feature is foreign cover. This cover lasts for 60 days. It is great for trips to countries like Spain, Germany, Italy, and other places in Europe.

Breakdown Cover at Santander

Santander gives you breakdown cover through RAC. You can choose from five types of assistance for breakdowns. Some options are Roadside Cover and European Breakdown Cover. The European Cover helps you in countries like France, Norway, and Sweden.

  • Roadside Cover: This is for when your car breaks down further than a quarter mile from your home.
  • Recovery Cover: This helps you get your vehicle back, plus assistance for you and up to eight other people.
  • At Home Cover: This offers help if your car has issues while you are at home.
  • Onward Travel: This provides options for other ways to travel or a place to stay if your car can't be repaired quickly.

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No Claims Bonus at Santander

Santander offers a No Claims Bonus (NCB) to drivers. This bonus increases every year you do not make a claim. Keeping your NCB can lower your insurance premium as time goes on. Santander also provides NCB protection that you can include in your plan. With this protection, you can make a few small claims without losing your discount.

If you pick NCB protection, you can keep your discount, even if you make claims. This means you will not have to pay more for higher premiums.

No Claims Bonus at Santander

Santander Car Insurance Optional Extras

Santander allows you to make your car insurance policy better. You can add several optional extras to it.

  • Keycare Cover: You can get up to £1,000 to replace keys if they are lost or stolen. It also helps pay for reprogramming immobilisers.
  • Legal Expenses Cover: This cover provides up to £100,000 for legal fees if you have an accident that wasn't your fault.
  • Personal Accident Cover: You may receive up to £10,000 for injuries from an accident once for each event.
  • Courtesy Car Upgrade: You can have a better courtesy car while your car is being repaired.

You can add these extra features to any insurance policy. This may increase the cost. However, it will ensure that your coverage is just right for your needs.

Yes, Santander Car Insurance offers discounts for their policyholders. These discounts can vary based on factors like safe driving, having multiple policies, and vehicle safety features. To learn about the exact discounts you can get, contact Santander Car Insurance directly or visit their website.

How does Santander Car Insurance compare to other car insurance companies?

Santander Car Insurance offers competitive rates and reliable coverage compared to other car insurance companies. With a range of policy options and excellent customer service, Santander stands out for its commitment to customer satisfaction and value for money.

How to Make a Claim with Santander Car Insurance

Making a claim with Santander is simple. Their customer service team is available all day, every day. They are prepared to assist you with your claims. Here’s how it works:

  • Contact Santander: Call the claims department at 0344 854 9823 to explain what happened.
  • Provide Documentation: Keep your policy document, accident information, and any evidence handy.
  • Settlement: Santander works with BISL Limited to handle claims quickly. This helps you get a fast solution.

Santander provides unlimited coverage for fixing or replacing windscreens. You can only use this service for repairs that are done by their approved partners.

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Santander Car Insurance Customer Service and Reviews

Santander Car Insurance Customer Service and Reviews

Santander’s customer service team is ready to help you from Monday to Friday. They are also available on Saturday and Sunday. Many customers say getting quotes and managing their policies is easy, according to Smart Money People. However, some feel the website lacks enough information. Because of this, they reach out to the customer service team for help.

On TrustPilot, Santander has a score of 1.5 out of 5. This rating includes reviews for all their products, not just for car insurance.

Renewal and Cancellation Process at Santander

Santander’s car insurance provider, BISL Limited, makes it easy to renew your insurance. You will receive a notice 21 days before your renewal date. This notice gives you a chance to change your insurance cover or cancel your policy. If you want to cancel, contact customer service during the cooling-off period. This can help you avoid any additional cost.

If you cancel after this time, you may have to pay a small fee. You can find this in the terms of your policy.

Santander Car Insurance Discounts

Santander does not offer special discounts. You can reduce your premium by using the No Claims Bonus. Additionally, you can save money by paying your premium all at once instead of in monthly payments. Monthly payments may come with extra costs and interest.

At the end of your policy term, check different quotes. This can help you find better rates. It can also stop automatic renewals that could make you pay more.

Excess Explained: What to Know About Your Santander Policy

When you want to make a claim, you must pay an extra cost called excess. Santander has two kinds of excess in their insurance plans: compulsory and voluntary. The insurer decides the amount for the compulsory excess. You can choose how much you want for the voluntary excess. If you choose a higher voluntary excess, your premium might become lower. But remember, this means you will pay more when making a claim.

The money you can receive back may vary depending on the type of claim you file. This includes claims for theft, accidental damage, or replacing a windscreen.

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Santander Car Insurance and Driving Abroad

If you plan to drive outside the UK, Santander car insurance gives you coverage for up to 60 days in Europe. This lets you keep the same level of cover that you have in the UK while in several other countries, including:

France Netherlands Estonia Slovakia
Italy Ireland Lithuania Serbia
Germany Denmark Latvia Romania
Spain Belgium Austria Bulgaria
Norway Luxembourg Malta Bosnia and Herzegovina
Portugal Finland Greece Andorra
Poland Croatia Slovenia Liechtenstein

This broad coverage in Europe helps you feel secure while travelling in different countries. Whether you are on holiday or using your car for work, Santander provides you with peace of mind through its international insurance.

If you want to visit countries outside of Europe, like Morocco, Israel, or Russia, you may need extra coverage from Santander's insurance company, BISL Limited. It is very important to read your policy terms carefully. Be sure to check for any exclusions when you get ready for your trip to non-EU countries.

If you plan to visit far-off places like Iceland, Iran, or countries like Azerbaijan, Belarus, and Albania, ensure your insurance policy is current. You will need the right international coverage. If you think it's needed, Santander can help you update your car insurance policy.

Santander offers protection for various driving situations. This coverage includes drivers of caravans. It is a good option for people going on holiday or travelling long distances. Check your insurance policy to ensure you understand all the details. Read about any exclusions that may apply.

Santander gives you more than just car insurance. They also have home insurance and life insurance. This helps you feel secure in many ways while you travel. Whether you are driving in Slovenia, exploring Serbia, or moving through Romania, Santander is there to protect you.

Santander Car Insurance and Driving Abroad

FAQs About Santander Car Insurance

Yes, Santander car insurance does cover electric vehicles. This coverage includes protection for damage, theft, and accidents. The policy terms are just like those for regular cars. This means you get complete protection.

Yes, Santander allows you to protect your No Claims Bonus (NCB). This means you can make several claims while still keeping your NCB. This helps you save on insurance costs over time.

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Page last updated on: 29/11/2024

Page reviewed by: Shay Ramani

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