Santander

Santander is a large Spanish bank, which has become one of the main challengers to the Big Four banks in the UK. It has operated in the UK since taking over Abbey National and Bradford & Bingley branches here. They also acquired Alliance & Leicester in 2013.

Santander offers some competitive banking and credit card products which you won't find elsewhere on the high street.

Santander's life and home insurance policies are underwritten by Aviva. Its travel insurance is provided by ACE European Group Ltd.

Santander

Bank accounts

Ranked 19th of 27 providers reviewed.

Customer happiness 59%
Customer trust 47%
Complaints performance 72%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2018
56%

Car insurance

Ranked 47th of 52 providers reviewed.

Customer happiness 43%
Customer trust 37%
Complaints performance 73%
Transparency rating 40%
Fairer Finance score
Reviewed Spring 2018
48%

Credit cards

Ranked 21st of 35 providers reviewed.

Customer happiness 59%
Customer trust 50%
Complaints performance 72%
Transparency rating 46%
Fairer Finance score
Reviewed Spring 2018
57%
Gold ribbon: first place

Home insurance

Ranked 19th of 47 providers reviewed.

Customer happiness 52%
Customer trust 47%
Complaints performance 68%
Transparency rating 66%
Fairer Finance score
Reviewed Spring 2018
58%

Life insurance

Ranked 20th of 22 providers reviewed.

Claims score 98.91%
Complaints performance 80%
Transparency rating 37%
Fairer Finance score
Reviewed Spring 2018
69%

Mortgages

Ranked 16th of 21 providers reviewed.

Customer happiness 49%
Customer trust 37%
Complaints performance 70%
Transparency rating 58%
Fairer Finance score
Reviewed Spring 2018
54%

Personal loans

Ranked 15th of 25 providers reviewed.

Customer happiness 58%
Customer trust 47%
Complaints performance 72%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2018
56%

Savings accounts

Ranked 31st of 36 providers reviewed.

Customer happiness 46%
Customer trust 45%
Complaints performance 72%
Transparency rating 62%
Fairer Finance score
Reviewed Spring 2018
56%

Travel insurance

Ranked 38th of 56 providers reviewed.

Customer happiness 50%
Customer trust 47%
Complaints performance 52%
Transparency rating 46%
Fairer Finance score
Reviewed Spring 2018
49%

Car insurance

Santander

Car Insurance

2 stars
Courtesy car for duration of repair i
Cover for keys/locks if lost i £0
Uninsured driver promise i
24hr helpline available i
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3
Windscreen repair excess i £0
Windscreen replacement excess i £75

Home insurance

Santander

Premier

4 stars
Escape of water excess i £100
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accommodation i Sum insured
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

Santander

Everyday

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £750
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i £250
Money in the home i £500
New for old i

Buildings insurance

Santander

Premier

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i Sum insured
Compulsory excess i £100
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £100
Property owner liability i £2,000,000

Santander

Everyday

2 stars
Cover for keys/locks if lost i £250
Matching sets i
Trace & access i £2,500
24hr helpline i
Alternative accommodation cover limit i £25,000
Compulsory excess i £200
Cover for keys/locks if stolen i £250
Escape of water excess i £350
Property owner liability i £2,000,000

Contents insurance

Santander

Premier

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accomodation i Sum insured
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £500
New for old i

Santander

Everyday

3 stars
Cover for keys/locks if lost i £250
Matching sets i
Theft from outbuildings i £750
24hr helpline i
Alternative accomodation i £25,000
Cover for keys/locks if stolen i £250
Cycles included whilst in the home i Part of sum insured
Money in the home i £500
New for old i

Life insurance

Over 50s life insurance

Santander

Over 50s Life Assurance

2 stars
Cover for accidental death in waiting period i Full payout
Premium ending age i 90
Waiting period (months) i 12
Can you reduce monthly payments? i
Funeral benefit option Not offered
Maximum age i 80
Missed payments allowance (days) i 30 days
Payout for accidental death outside waiting period i 2x the cover
Protection for customers past the crossover point (refund) i

Travel insurance

Annual multi-trip insurance

Santander

Travel Insurance

4 stars
Cancelling before travel i £5,000
Medical excess i £50
Personal possessions & baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £5,000
Combined passport & travel i £300
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i Unlimited
Lost or stolen cash i £500
Max trip duration i 31 days

Single trip insurance

Santander

Travel Insurance

4 stars
Cancelling before travel i £5,000
Medical excess i £50
Personal possessions and baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £5,000
Combined passport & travel i £300
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i Unlimited
Lost or stolen cash i £500
Missed departure i £1,000

Travel insurance add-ons

Cruise add-on

Santander

Travel Insurance

3 stars
Cabin confinement i £1,000
Missed port departure i £1,000
Re-joining a cruise i £1,000
Missed port departure excess i £60
Timetable/itinerary change i £0
Unused excursions i £500

Winter sports add-on

Santander

Travel Insurance

3 stars
Hiring replacement winter sports equipment i £200
Single item limit for owned equipment i £300
Ski equipment owned i £500
Avalanche closure i £250
Piste closure i £250
Single item limit for hired equipment i £300
Ski equipment hired i £500
Ski equipment owned excess i £50
Unused ski pass due to illness or injury i £300