Find a UW Partner

Kirkwall Insurance

Utility Warehouse

Switch to the UK’s cheapest energy provider on the market when you bundle and lock in savings of £253 for peace of mind on energy costs.

UW offers comprehensive home protection for the residents of Kirkwall with our Defaqto and Moneyfacts five-star rated Home Insurance.

With more than 25 insurance customers in the area, they’re saving an estimated total of £2,425 annually.

Our Complete Home Protection includes building and contents cover, along with boiler and home cover.

Plus, enjoy peace of mind with 24/7 claims team support for boiler breakdowns and home emergencies.

Stay safe and secure with UW’s unbeatable insurance deals tailored for your needs.

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Insurance Savings Estimate: Average saving of £97 based on 3,026 customers who switched their home insurance (buildings and contents) to UW between 28/07/2024 and 28/07/2025. Savings calculated by comparing the customer’s previous renewal price (provided via survey at point of sale) against their UW quote. Savings estimate multiplied by number of insurance customers in applicable area.

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.

UK’s Cheapest Energy: Cheapest fixed tariffs vs large/medium suppliers (Ofgem-defined). Payment by Direct Debit. Correct as of 30/01/26

Over 80 awards and counting

WINNER - Best Value - ExR Home Energy Awards 2025 (1)
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WINNER - Best Value - ExR Home Energy Awards 2025 (1)
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Here are a few things that make UW special

Have questions? Speak with our Partners today to learn more.

£150 Cashback Card credit

Three months free Cashback Card trial for all, with up to 10% savings on everyday spending.

With a welcome bonus of up to £150 available for homeowners when they switch.

Top Cashback Card holders save an average of £461 a year on their Utility Warehouse bills.

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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 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).

Don’t miss out

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.

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Unlimited Max tariff: New mobile customers only. 1 Unlimited Max SIM at £23 required. Inclusive allowance free on up to 3 additional SIMs until 31 March 2026, 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.

Peace of mind

£400 towards early termination fees if you’re locked into contracts with current suppliers.

And 30 days to change your mind about signing up, with no pressure or penalties.

Plus guaranteed savings or double the difference back with our Price Pledge.

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£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.

 

UK’s Cheapest Energy: Cheapest fixed tariffs vs large/medium suppliers (Ofgem-defined). Payment by Direct Debit. Correct as of 30/01/26

Streamline your services

One bill – for all your home services.

One account – with only one password to remember.

One number – for our award-winning Customer Services team

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Rated by experts

Best Value Energy Supplier rated by Expert Reviews.
Which? Recommended broadband supplier with an award-winning Wi-Fi Hub.

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.

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Awards: We’ve been awarded Best Value for Money two years in a row and the Best Customer Service at the Uswitch Energy Awards. Our Home Insurance cover has been given five stars by independent consumer experts, Defaqto (2025) and Moneyfacts (2025). And we are a Which? Recommended Provider for Broadband.

UK’s best/cheapest mobile: 2 or more SIMs on Unlimited Max Tariff, 30 day rolling contract v equivalent tariffs (excl. intro / time limited offers). Contact us to verify. Correct at 13/01/26.

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.

How does UW work?

UW offers a straightforward way to manage your home services in Kirkwall.

By bundling energy, mobile, and insurance, you could simplify your bills, saving you valuable time and up to £268 a year.

Check out all the services UW offers in Kirkwall, 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.

Energy

Fixed and variable 
tariffs lower than 
the price cap.

Learn more

Broadband

Full fibre with no mid contract price hikes 
or connection fees.

Learn more

Mobile

Unlimited data, calls
and texts with 99% 
UK coverage.

Learn more

Insurance

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 (Ultra), mobile (Unlimited) and pays by direct debit multiplied by the number of customers in the applicable area.

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 13/01/26. Contact us to verify.

Broadband: Switching to UW Ultra broadband after your initial contract with your current supplier has ended could save you £45 a year. This calculation is based on the average UW saving of our Ultra tariff vs BT, EE, TalkTalk and Vodafone’s closest equivalent tariff over three years (£238). Correct as of 13/01/26.

Mobile: Save £183 with Unlimited Max compared against the average of the closest equivalent 30 day rolling unlimited data tariffs with the four major network providers over a 12 month period. Price correct as of 10/10/2025. Excludes offers and promotional tariffs. Additional SIMs charged at £0/month until 31/03/2026. From 01.04.2026, each additional SIM will be charged at £10/month. Terms apply.

What our customers say

Trustpilot

What does Buildings and Contents Insurance cover?

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)
£8,000 (Contents)

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.

Home Insurance in Kirkwall

Whether you own or rent in Kirkwall, 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.

We do all the legwork

UW offers comprehensive Home Insurance tailored for residents in Kirkwall.

With our panel of insurers, you’ll get five-star rated cover at the best price possible each year at renewal.

Let us take care of the legwork, ensuring your peace of mind with the protection you deserve.

More than just home insurance

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.

Our peace of mind promise

UW offers a comprehensive range of services to meet your household needs in Kirkwall.

Switch today and you could receive up to £400 towards any termination fees with your existing provider, plus 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.

Areas in and around Kirkwall

  • St Ola
  • St Magnus
  • Orkney Mainland
  • Hatston
  • Pickaquoy
  • Papdale
  • Scapa
  • Stromness

Nearby areas Kirkwall

Insurance Guides

Making a claim, what you need to know
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.
Learn more
Get peace of mind with five-star-rated* Home Insurance
Protect the things that matter most when the unexpected happens. Our Defaqto and Moneyfacts five-star-rated Home Insurance safeguards your property.
Learn more
Boiler & Home Cover to keep your home running smoothly
We’re there to help take the hassle out of looking after your property. From your boiler and electronics to plumbing and drainage.
Learn more
Contents insurance that protects the things that matter most
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.
Learn more

Frequently Asked Questions

We’re the UK’s only genuine multiservice provider. We help people save on their household bills by bundling their energy, broadband, mobile and insurance into one. We offer guaranteed savings. We’re trusted by over 1,386,585 customers, rated Excellent on Trustpilot and are Which? Recommended.

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.

● Insurance product information document
● Insurance Policy wording
● Insurance Terms of Business

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Once you’ve submitted your details, I will follow up to arrange a time that’s convenient for you to discuss UW’s services and/or Partner opportunity. They will help you choose what’s best for you. For further information on how we collect, use, and look after your personal information, please refer to our privacy notice for more information.
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