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Santander car insurance review

Find out more about car insurance from Santander, including what's covered, pros and cons, and how to make a claim.

Santander bank is a household name, but is its car insurance any good? Find out what’s on offer, what’s included in the cover, pros and cons, and what existing customers say.

What is Santander?

The Santander Group was founded in 1857 in Spain. It is predominately a bank, but, along with traditional banking products, Santander also offers car, travel, life and home insurance.

What company underwrites Santander’s car insurance?

Santander’s car insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers.

Compare Santander’s car insurance policies

Santander offers all three types of car insurance available, so you can choose from fully comprehensive, third party fire and theft, and third party only cover.

Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
Santander Comprehensive
Up to £10,000 per incident
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Santander Third party, fire and theft
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Santander Third party only
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Finder's summary: Santander is a well-known and respected bank. It offers the full range of car insurance options, and its comprehensive policy includes some good features as standard (like a courtesy car and unlimited cover for audio, sat nav and entertainment equipment). Its third party cover is able to cover the essentials needed.

Who it might be good for: Someone looking for a reasonable priced cover providing a standard third party cover.

What is covered under my policy?

Santander’s comprehensive car insurance policy includes the following benefits:

  • Cover if your car is stolen or damaged by fire or accident
  • Windscreen replacement and 24/7 repair helpline
  • Courtesy car while yours is being repaired by an approved repairer
  • Up to 60 days cover in the EU
  • Unlimited cover on manufacturer-fitted audio, sat nav and entertainment equipment
  • Stolen keys cover up to £500
  • Personal belongings cover up to £100
  • Three-year guarantee on all approved claims repairs

Optional extras

For an extra fee, you can add any of these elements to your cover:

  • Motor legal protection
  • Breakdown cover
  • Guaranteed replacement car
  • No claims discount protection

How to save on your car insurance policy with Santander

Some elements affecting your car insurance premiums, like your age, driving experience and address are beyond your control. However, there are steps you can take to reduce the cost of your insurance:

  • Don’t make cheap claims. It might be cheaper in the long run to pay out of pocket for smaller expenses rather than claiming them on insurance. Maintaining a no claims history can make a substantial difference.
  • Be careful listing other drivers. When possible, only name other drivers on the policy if they’re at least as experienced and safe behind the wheel as you are.
  • Avoid driving offences and points on your driver’s licence. It’s easier said than done, but a trail of fines and points will follow you around and keep bumping up your car insurance costs.
  • Match policy to use. Try finding a policy that suits your typical car use. For example, if you only drive six months per year, you can get a considerable discount by looking for laid-up, pay as you go or temporary cover.
  • Choose a higher excess. You should always be able to afford your excess so you can make claims if needed, but you might also consider keeping it high in order to reduce your premiums.
  • Drop extras. If you won’t be pulling a trailer, you probably don’t want a policy that makes you pay for trailer cover. Try dropping unwanted extras, or consider avoiding policies that are loaded with features you don’t need.

How do I contact Santander?

You can contact Santander’s customer service on 0800 975 2623. Lines open Monday to Friday 8am-9pm, Saturday 9am-5pm and Sunday 10am-4pm.

You can also email the team on customerrelations@santanderconsumer.co.uk or use the company’s Twitter or Facebook accounts.

What is the claims process for Santander?

Depending on the nature of your claim, you can contact Santander on the following numbers:

Car insurance accident and claims line: 0344 854 9823. Lines open 24/7.
Windscreen damage: 0330 018 4248.
Motor legal protection: 0344 854 9823.
Breakdown cover (RAC): 0330 159 0352.
Guaranteed replacement car: 0344 854 9823.

It’s unclear from the Santander website when these lines are open, with the exception of the main claims line, which is open 24/7.

Santander car insurance customer reviews

On customer reviews platform Trustpilot, Santander as a bank has 1.5 out of 5 stars and a rating of “Bad”, based on more than 2,500 reviews.

Things are a little better on the Review Centre, where Santander has 3.7 out of 5 stars and 67% of reviewers saying they would recommend the service. However, this is based on just a handful of reviews.

For Santander’s car insurance service, customers like the helpful staff, but many complain of technical issues and some report premium hikes (updated November 2020).

Santander car insurance pros and cons


  • All three levels of car insurance offered: comprehensive, third party fire and theft, and third party only
  • A three-year guarantee on all approved claims repairs
  • 24-hour claims line


  • Legal protection is an optional extra
  • Website is not easy to use and lacks a lot of important information


Santander is a well-known and respected bank. It offers the full range of car insurance options, and its comprehensive policy includes some good features as standard (like a courtesy car and unlimited cover for audio, sat nav and entertainment equipment).

Customer reviews for Santander are not great and its website is not very user friendly, but the company’s claims line is open 24/7 and the customer service helpline is open 7 days a week.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £524.68

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