UIA Mutual

Established in 1890, UIA Mutual provides a range of insurance products to trade union members.

As it's a mutual it is owned by its customers rather than shareholders. UIA Mutual offers pet, car, home and travel insurance. 

Its car insurance is administered by Adrian Flux Ltd. Its travel insurance is administered by AllClear Limited. Its pet insurance is provided by Petwise. Its home insurance is underwritten by UIA Insurance LtD.

It is based in Stevenage. 

UIA Mutual
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Home insurance (building and contents)

Ranked 46th of 52 providers reviewed.

Customer happiness 61.46%
Customer trust 54.92%
Complaints performance 57.64%
Transparency rating 55.07%
Fairer Finance score
Reviewed Spring 2021
57%

Home insurance (building and contents)

UIA Mutual

Flexi Home Insurance

4 stars
Matching sets i
Theft from outbuildings cover limit i £3,000
Escape of water excess i £250
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £0
Money in the home i £500
Replace belongings new for old i
24hr helpline i

UIA Mutual

Signature Home Insurance

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £250
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £0
Money in the home i £750
Replace belongings new for old i
24hr helpline i

Buildings insurance

UIA Mutual

Flexi Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £0
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £750
Compulsory excess i £100
Escape of water excess i £250
24hr helpline i
Property owner liability i £5,000,000

UIA Mutual

Signature Home Insurance

3 stars
Finding & repairing a leak cover limit i £7,500
Cover for keys if lost i £0
Matching sets i
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £750
Compulsory excess i £0
Escape of water excess i £250
24hr helpline i
Property owner liability i £5,000,000

Contents insurance

UIA Mutual

Flexi Home Insurance

4 stars
Theft from outbuildings cover limit i £3,000
Matching sets i
Cover for keys if lost i £0
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £10,000
Money in the home cover limit i £500
Cover for keys if stolen i £750
24hr helpline i

UIA Mutual

Signature Home Insurance

4 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £0
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £20,000
Money in the home cover limit i £750
Cover for keys if stolen i £750
24hr helpline i

Travel insurance

Annual multi-trip insurance

UIA Mutual

Premier

3 stars
Cancelling before travel cover limit i £3,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £150
Combined passport & travel cover limit i £200
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 45 days

UIA Mutual

Standard

2 stars
Cancelling before travel cover limit i £1,500
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £1,500
Emergency medical cover and repatriation cover limit i £5,000,000
Mental health cover i
Lost or stolen cash i £150
Combined passport & travel cover limit i £200
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 45 days

UIA Mutual

Value

1 stars
Cancelling before travel cover limit i £1,000
Medical excess i £150
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £0
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £1,000,000
Mental health cover i
Lost or stolen cash i £0
Combined passport & travel cover limit i £0
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 45 days

Single trip insurance

UIA Mutual

Premier

3 stars
Cancelling before travel cover limit i £3,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £150
Combined passport & travel cover limit i £200
Missed departure cover limit i £500

UIA Mutual

Standard

2 stars
Cancelling before travel cover limit i £1,500
Medical excess i £100
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £1,500
Emergency medical cover and repatriation cover limit i £5,000,000
Lost or stolen cash i £150
Combined passport & travel cover limit i £200
Missed departure cover limit i £250

UIA Mutual

Value

1 stars
Cancelling before travel cover limit i £1,000
Medical excess i £150
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £0
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £0
Emergency medical cover and repatriation cover limit i £1,000,000
Lost or stolen cash i £0
Combined passport & travel cover limit i £0
Missed departure cover limit i £0

Travel insurance add-on: cruise cover

UIA Mutual

Premier

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £300
Missed port departure excess i
Timetable/itinerary change cover limit i £25 per port
Unused excursions cover limit i £0

Travel insurance add-on: winter sports

UIA Mutual

Standard

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £0
Piste closure cover limit i £300
Ski equipment owned excess i £100
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £500

UIA Mutual

Premier

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £0
Piste closure cover limit i £300
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £500

UIA Mutual

Value

1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £0
Piste closure cover limit i £300
Ski equipment owned excess i £150
Ski equipment hired i £250
Single item limit for hired equipment i £250
Unused ski pass due to illness or injury i £500