Dumfries residents trust UW for comprehensive home protection tailored to their needs.
With our Defaqto and Moneyfacts five-star rated Home Insurance, you can enjoy complete coverage for your buildings, contents, boiler, and home.
119 customers in Dumfries are saving an estimated total of £8,925 each year on their insurance costs.
Plus, our dedicated team offers 24/7 claims team support for boiler breakdowns and home emergencies, ensuring you have peace of mind around the clock.
Insurance Savings Estimate: Average saving of £75 based on 3074 customers who switched their home insurance (buildings and contents) to UW between 01/04/2025 and 31/03/2026. Savings calculated by comparing the customer’s previous renewal price (provided via survey at point of sale) against their UW quote for combined Buildings and Contents policies.
Insurance Awards: Our Home Insurance cover has been given five stars by independent consumer experts, Defaqto (2025) and Moneyfacts (2025). Our Boiler & Home Cover has been given 5 stars from independent reviewer Moneyfacts 2018-2025.
Insurance exclusions apply: Please refer to the Insurance policy documents for Home Insurance and Boiler & Home Cover.
Have questions? Speak with our Partners today to learn more.
The UW Cashback Card is one of the easiest ways to shrink your bills. Top it up. Use it when you shop. Earn up to 10% cashback. That cashback comes straight off your UW bill.
Even better? Get up to £150 pre-loaded when you join.
And our top Cashback Card holders save an average of £461 a year on their UW bills. Not bad for everyday spending.
Cashback: you can earn unlimited cashback at the relevant % from our retail partners each month. Purchases from other retailers are eligible for cashback of 1% on spend, subject to cashback caps which vary depending on the number of services you have taken out. You are only eligible to receive the 1% cashback at other retailers if you are not engaged in debt collection proceedings with UW – and have at least one of the following services live at the time of billing: Mobile, Broadband (Broadband and/or Home Phone) or Energy. See our Cashback Card terms and conditions here.
Cashback Card Trial: Get three months free cashback on everyday spending at major retailers. £3 per month after trial – no contract, cancel any time. See terms and conditions here.
Cashback Card Credit: New UW homeowner and tenant customers only. Welcome Bonus (£50-£150) based on Bundle Services taken at sign-up (excludes Home Insurance). Direct debit required. 12-month clawback applies if Bundle Services cancelled. Energy or Broadband required for £100/£150 Bundle Service bonus. For full terms click here.
Cashback Savings: Calculated using the average cashback earned between 01-01-2024 to 29-12-2024 (52 weeks) by the top 10% of active account holders (customers who used their card at least once a week during this period). This figure excludes customers who won 100% cashback through the Cashback Magic promotion.
The UW cashback card is issued by PSI-Pay Ltd pursuant to a license by Mastercard International Incorporated. PSI-Pay Ltd is regulated by the Financial Conduct Authority (FCA) under the electronic Money Regulations 2011 (FCA register number 900011) for the issuing of electronic money. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Our cashback card provider PSI-Pay Ltd is an authorised e-money institution. E-money is not subject to Finance Services Compensation Scheme protection in the way bank deposits are, but it is subject to “safeguarding” requirements. In the unlikely event of insolvency, this means there will be a pool of funds from which cashback card customers would be repaid (subject to certain deductions for associated insolvency costs).
Add up to three extra unlimited data SIMs to Unlimited Max for free for six months.
The more services you add, the bigger the savings you can unlock. Guaranteed.
Build the perfect bundle of energy, broadband, mobile and insurance that’s right for you.
Unlimited Max tariff: New mobile customers only. 1 Unlimited Max SIM at £23 required. Inclusive allowance free on up to 3 additional SIMs for 6 months, then standard charge p/m each. Out-of-allowance usage charges apply. Porting of existing no. required. See terms. Correct at 28.08.2025 UW Price Pledge: Eligible new customers (from 22/04/24) who take 3 or more qualifying services and regularly use their Cashback Card. If a customer doesn’t save with UW (incl. Cashback) in their first year vs their previous provider (or cheapest major provider where applicable), they can apply to claim the UW Price Pledge between 12 – 15 months after their sign-up date; the pledge & no exit fees only applies to qualifying services taken at sign-up. When you claim, we’ll assume an average Cashback Card saving of £160 a year (based on customer usage data from 03.04.23 to 31.03.24, for users who earned Cashback at least at least once a week, excluding promotional activities) or your actual Cashback saving if higher. Full details, eligibility and terms available here.
Here’s a few ways you can save with Utility Warehouse:
– Cheapest variable energy in the UK
– Unlimited data SIM for £23 or get 10GB for £5
– Broadband for just £23.95 a month with no connection fees
– A Cashback Card that gives you money off your bill when you do your every day shopping
£400 to help you switch: When you take a 3 or 4+ Service Bundle, we’ll give you credit up to £400 towards any termination fees (excluding Home Insurance) you have to pay your current providers. You’ll need to return any equipment and pay for services you used before you cancel. Additional requirements apply to customers who are tenants. Further terms apply see our Residential Products and Services terms and conditions here.
30 days to switch: Available when a new customer switches at least two of their services on the same date: energy, broadband, mobile and insurance (insurance means Boiler & Home Cover or Income Protector only). Any equipment must be returned and services used must be paid for before cancelling. Terms apply.
UW Price Pledge: Eligible new customers (from 22/04/24) who take 3 or more qualifying services and regularly use their Cashback Card. If a customer doesn’t save with UW (incl. Cashback) in their first year vs their previous provider (or cheapest major provider where applicable), they can apply to claim the UW Price Pledge between 12 – 15 months after their sign-up date; the pledge & no exit fees only applies to qualifying services taken at sign-up. When you claim, we’ll assume an average Cashback Card saving of £160 a year (based on customer usage data from 03.04.23 to 31.03.24, for users who earned Cashback at least at least once a week, excluding promotional activities) or your actual Cashback saving if higher. Full details, eligibility and terms available here.
Cheapest variable energy: when you take energy and two other eligible bundle services vs standard variable tariffs offered by major suppliers (large and medium suppliers as defined by Ofgem), for sale nationally, excl. existing customer tariffs. Based on Ofgem’s typical domestic usage. Payment by Direct Debit. Correct as of 13/01/26. Contact us to verify. See UW terms and conditions.
One bill – for all your home services.
One account – with only one password to remember.
One number – for our award-winning Customer Services team
Best Value Energy Supplier rated by Expert Reviews and rated ‘Excellent’ on Trustpilot.
The UK’s best value Unlimited+ multi-SIM mobile deals, with 99% UK coverage.
Five star rated building and contents home insurance plus boiler and home cover.
Awards: Our Home Insurance cover has been given five stars by independent consumer experts, Defaqto (2026) and Moneyfacts (2026).
The UK’s best 3+ multi-SIM deal on 5G Unlimited SIMs: Based on price, speed and reliability.
Price: UK’s cheapest unlimited multi-SIM package in the UK on a 30 day rolling contract for customers taking 3 or more Unlimited SIMs compared to EE, GiffGaff, ID Mobile, O2, Smarty, Three, Vodafone (excluding introductory or time limited offers). Prices correct as of 16/04/2026
UW offers a comprehensive range of services to help streamline your home management in Dumfries.
By bundling your energy, mobile, insurance, and broadband, you could simplify your bills and potentially save up to £274 a year.
Check out all the services UW offers in Dumfries, and join over 1,386,585 customers across the country who are making their utilities work smarter.
Disclaimer:
Insurance is an FCA-regulated product. As a result, UW Partners are not able to advise you about, nor answer any questions about, any of the UW insurance products. The role of UW Partners is limited to providing you, via the screen, with information about the UW insurance products. You can contact UW directly on 0333 777 0777 if you have any questions.
Compare our fixed and variable rate tariff deals.
Full fibre with no installation or connection fees.
Unlimited data, calls and texts with 99% UK coverage.
Defaqto and Moneyfacts five-star-rated Home Insurance.
Multi Service Savings Estimate: We’ve compared our most popular services with the average price of our main competitors’ equivalent services. By ‘main competitors’ we mean at least three of the largest suppliers by market share who sell a comparable product. The saving shown is based on the average of these competitors’ pricing when compared with an equivalent new UW customer who takes three services – energy (Double Gold variable), broadband (Full Fibre 150), mobile (Unlimited) and pays by direct debit.
Energy: Save on average £48 per year on your energy bills when you take a variable energy service plus two other eligible bundle services vs standard variable tariffs offered by major suppliers (large and medium suppliers as defined by Ofgem), for sale nationally, excl. existing customer tariffs. Based on Ofgem’s typical domestic usage. Payment by Direct Debit. Correct as of 17/04/26. Contact us to verify.
Broadband: Switching to UW Full Fibre broadband after your initial contract with current supplier has ended could save you £44 a year. This calculation is based on the average UW saving of our Full Fibre 150 tariff vs BT, EE, Plusnet, Sky, Talk Talk, Virgin and Vodafone’s closest equivalent tariff (£134.45) over three years. Correct as of 17/04/26.
Mobile: Save £182 with Unlimited Max compared against the closest equivalent 30 day rolling unlimited data tariffs across EE, GiffGaff, O2, Three and Vodafone over a 12 month period. Price correct as of 16/04/2026. Excludes offers and promotional tariffs.
Additional SIMs charged at £0/month for six months, then £10/month each. Terms apply.
I love keeping busy, which is easy with 2 children, a dog, a rabbit and husband, whilst working part time as a primary school teacher, supporting children that find school tricky. I am a qualified Mental Health and Exercise Coach and this gave me the confidence to become a Wellbeing Champion within my local authority. I joined UW and have loved helping people save.
Hi I’m Chris . I live just outside Kirkcudbright, South West Scotland, where my wife, Laura and I have owned a sandwich shop for 26 years. We have two children: Luke, 18, and Charlotte, 16. I’ve been with UW for four years. I’ve enjoyed helping many people save money, as well as helping them earn an extra income, and making their dreams possible. UW has boosted my confidence, helped me reach my own personal goals and paid for some wonderful treats. I’ve also made some amazing friends along the way. So if you’d like to shrink your bills, or hear how you can earn an extra income to help you achieve your goals, please get in touch for a friendly chat. I’m always happy to help.
Hello. I’ve been a UW customer since 2013, becoming a partner two years later. Best move ever, as it allowed me to eventually cut my five day working week down to just three days. Presently I work as an outreach postal assistant. I have three gorgeous grandkids soon to be four and along with their mum, my partner and our dogs, all help to make up my life bubble. A bubble which I’m thankfully able to enhance regularly through my hours working with UW. This is done by helping others save money on everyday essentials or more importantly these days, by showing them how they too can earn an extra income. If either is of interest to you, please do not hesitate to contact me. Thank you for visiting my page. ??
At UW, our Buildings and Contents Insurance focuses on two different elements to give you the most extensive cover. For the foundations of your home, such as the walls and roof, there’s our buildings insurance. For everything inside, there’s our contents insurance.
Type of Cover | What does it cover? | Cover Limit |
Buildings Insurance | Covers the main structure of your home if you need to rebuild or repair it after a fire, flood or theft. | £1,000,000 |
Contents Insurance | Covering the value of your possessions in the home. | £80,000 |
Trace and access | Replacing parts of the building that were removed to help get to escaping water. | £10,000 |
Alternative accommodation | For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event. | £45,000 (Buildings) |
Lock replacement | Cover to replace your locks should you lose your keys. | £1,000 |
Office equipment | Replacing any of the furniture, computers or other equipment that you and your family use for work. | £5,000 |
Digital information | If you lose information stored on your computer through a malicious program or an unauthorised source. | £2,000 |
Students insurance | Protecting your full time students’ possessions while they’re away pursuing further education at the UK educational institution of their choice. | £2,500 |
Exclusions apply. Please refer to the Home Insurance policy documents.
Whether you own or rent in Dumfries, we’ve got you covered with our comprehensive home, building, and contents insurance solutions.
With our Buildings and Contents Insurance, you can safeguarded your property against fire, flood, and theft. It includes:
Buildings Insurance (cover limit up to £1,000,000)
Contents Insurance (cover limit up to £80,000)
Trace and Access (cover limit up to £10,000)
Alternative Accommodation (cover limit up to £45,000 for buildings and £8,000 for contents)
Our Boiler and Home Cover means we’ll be there if things go wrong, and you’ll get:
Boiler Breakdown Cover
Annual Boiler Service
24/7 Claims Team
Unlimited Callouts, and more.
By bundling insurance with other UW services, you could unlock impressive savings while securing what matters most.
Insurance exclusions apply: Please refer to the Insurance policy documents for Home Insurance and Boiler & Home Cover.
UW is your go-to for Home Insurance in Dumfries.
By working with a panel of insurers, we ensure you receive five-star rated cover at their best possible price.
Our aim is to get you peace of mind without breaking the bank, with estimated savings that bring real value to your household.
Our Defaqto and Moneyfacts 5-star rated cover is exclusive to UW customers, but switching is easy. Plus, you can get an exclusive Cashback Card as well.
Insurance Awards: Our Home Insurance cover has been given five stars by independent consumer experts, Defaqto (2025) and Moneyfacts (2025). Our Boiler & Home Cover has been given 5 stars from independent reviewer Moneyfacts 2018-2025.
UW provides a seamless way to manage your home services in Dumfries with our peace of mind promise.
By switching to UW, you’ll receive our best value deals, delivered in one simple bill.
You could also receive up to £400 towards any early termination fees with current suppliers.
Plus, you have 30 days to change your mind without any penalty.
£400 to help you switch: When you take a 3 or 4+ Service Bundle, we’ll give you credit up to £400 towards any termination fees (excluding Home Insurance) you have to pay your current providers. You’ll need to return any equipment and pay for services you used before you cancel. Additional requirements apply to customers who are tenants. Further terms apply see our Residential Products and Services terms and conditions here.
Our Partners are a team of local Utility Warehouse experts up and down the country, who help people save money on their bills. With 70,000 Partners across the UK, there’s someone nearby who’ll be happy to chat.
Insurance is something we don’t want you to think about. We offer a brilliant home insurance service and we want you to know that should the worst happen.
Protect the things that matter most when the unexpected happens. Our Defaqto and Moneyfacts five-star-rated Home Insurance safeguards your property.
We're there to help take the hassle out of looking after your property. From your boiler and electronics to plumbing and drainage.
Our home contents insurance gives you peace of mind in the face of the unexpected. Content cover can help you with the cost of repairing or replacing.
UW Partners in and around are people just like you, who earn an extra income by introducing others to UW and helping them sign up as customers. They also help people to become a UW Partner and start earning an income by recommending UW to their friends and family.
Yes, of course – over 1,386,585 customers and 70,000 UW Partners already do. We’re also regulated by the energy regulator Ofgem, the telecoms regulator Ofcom, and the Financial Conduct Authority. We’ve been doing business for nearly three decades and are listed on the London Stock Exchange, which means we’re one of the UK’s largest publicly-owned companies.
UW Home Insurance or house insurance is only available to our existing customers who have an established Direct Debit set up. It’s another perk of being a UW customer. Switch your energy, broadband, or mobile supplier to UW, and you can benefit from our Defaqto and Moneyfacts five-star rated cover options.
Our Boiler & Home Cover gives you financial protection from unexpected breakdowns and repairs. In addition to a free annual service and unlimited call-outs if your boiler acts up, your policy will also include cover for:
● Boiler and controls
● Central heating
● Plumbing
● Drains
● Electrics
● Roof
● Pests
● Security
We think our insurance is top-notch, but you don’t have to take our word for it. Defaqto and Moneyfacts are two independent financial information businesses that provide expert consumer advice.
They rank financial products and services to make it easier for consumers to distinguish between the quality and level of cover they will receive. And both have given UW Home Insurance five stars – their highest possible rating. You can view more of our awards here.
"*" indicates required fields
