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Urban Jungle insurance review
Find out all about the new kid on the block, Urban Jungle, and what its innovative, tech driven policies have to offer to young renters.
What's in this guide?
Who is Urban Jungle?
Founded in 2016, Urban Jungle is a newcomer to the insurance market. The company’s founders were tired of the slow moving industry and wanted to introduce a product that catered for a younger audience, particularly young renters.
Urban Jungle offers three kinds of policy – contents insurance, contents and buildings insurance and tenants’ liability.
Who underwrites Urban Jungle’s insurance?
Urban Jungles standard contents insurance policy is underwritten by Ageas.
Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
What are Urban Jungle’s cover options?
Urban Jungle offers stand-alone contents insurance, as well as a combination of contents and buildings insurance. The company also offers tenants’ liability insurance, to protect you in case you cause damage to your landlord’s property.
 Home Contents Insurance | Buildings and Contents Insurance | Tenants Liability Insurance | |
| Maximum cover | Up to £40k of cover per person | Buildings up to £1m Contents up to £75k | £5,000 - £10,000 accidental damage cover |
| Cover per valuable | No valuables limit | £2,500 | |
| Excess | From £0 | £100 - £1,000 | £100 |
| Accidental damage | Optional | ||
| Personal accident | |||
| Alternative accommodation | |||
| Home emergency | Optional | ||
| Tenants liability | |||
| Mobile phone cover | |||
| Bike cover | |||
| Landlord's property | |||
| Free online changes |
What’s covered under my policy?
Urban Jungle’s home insurance policies offer cover and protection for your home against certain risks. These include:
- Fire and smoke
- Accidental damage
- Household leaks
- Storms or floods
- Tenants’ liability
How much does insurance from Urban Jungle cost?
There are many personal factors that go into determining the cost of a home insurance policy, such as the value of your possessions, the level of cover you require and your address.
However, according to its website, you can get cover from Urban Jungle from £5 per month.
Tenants’ liability cover on its own will set you back £55 per year.
What is my excess?
An excess is the amount of money you contribute when you make a claim. The size of the excess is agreed when you take out the policy and it is usually the same regardless of the value of the claim.
For its contents insurance policies, Urban Jungle allows you to select your own excess, starting at £0. Choosing a higher excess usually brings down the cost of your premiums, but make sure you can actually afford to pay the amount you set should the need arise.
For buildings insurance, you can select an excess between £100 and £500 for the core policy. Excess limits will be higher for certain events, like escape of water and subsidence, which can go up to £1,000 (the exact amount will be specified in your policy document).
If you’re buying combined buildings and contents insurance, you can select a different excess level for each portion of the cover. If a claim affects both parts of the cover, only the higher excess set will apply.
What is the claims process for Urban Jungle insurance?
To make a claim, log in to your account on the Urban Jungle website and follow the instructions. You can also use this section of the website to manage your policy (view documents, amend details, etc).
When you make a claim, you will need some or all of the following documents:
- Original purchase receipts, invoices, bank or credit card statements
- Instruction booklets
- Photographs of the damage
- Utility bills
- Pre-purchase surveys
- Plans and deeds of your home
Other evidence may also be requested, and some items, like valuable tech and jewellery, can have specific requirements.
Urban Jungle insurance customer reviews
On consumer review platform Trustpilot, Urban Jungle has 4.8 out of 5 stars and a rating of “Excellent”, based on over 1,200 reviews.
Customers praise the ease of use and great user experience, but some complain about poor claims handling.
Pros and cons for Urban Jungle insurance
Pros
- Accidental damage and tenants’ liability included as standard with contents insurance policies
- Easy and fast quote process
- Monthly rolling policy – cancel anytime
- Completely customisable – easily make changes online (no fee)
Cons
- Some customers find the claims process unclear
- Accidental damage not included as standard with a combined buildings and contents policy
Our verdict
If you’re after easy to get, transparent, flexible insurance cover for your contents, Urban Jungle is your guy. The website is super user-friendly and perfect for a tech-focused consumer base.
However, do make sure you read the details of your policy fully and carefully, to make sure you know exactly what is included.
For customers who need an insurance company they can regularly communicate with over the phone, or who struggle to manage their account fully online or via an app, this may not be the best fit.
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