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Find a UW Partner
Find a UW Partner

Oldham Insurance

Utility Warehouse

UW is here to keep your home secure, and we’ve got a solid reputation to back it up.

In Oldham, we offer Defaqto and Moneyfacts five-star rated Home Insurance that ensures complete home protection with building, contents, boiler, and home cover.

With around 292 local insurance customers, they are saving an estimated total of £21,900 annually.

Plus, our 24/7 claims team support for boiler breakdowns and home emergencies means you’re never left in the lurch.

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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.

Beat rising bills with a savings guarantee

Get up to £400 to help you switch and £250 in Cashback Card welcome credit. Plus:

  • If you don’t save, we’ll pay double the difference
  • Our best ever priced Full Fibre from £23.95
  • The UK’s cheapest unlimited data mobile SIM
  • All helping unlock our best energy tariffs
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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. If you take a 3 Service Bundle, up to £200 of this credit towards a mobile handset/device termination fee is only available if your bundle includes at least one Unlimited SIM. 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.

Cashback Card Credit: New Utility Warehouse customers only, joining on or after 14 September 2026 paying via direct debit. Take 2+ eligible service types (Energy, Broadband, Mobile, Boiler & Home Cover) within 30 days and a UW Cashback Card to earn a Welcome Bonus of up to £250, paid in £50 monthly instalments. 12-month clawback applies if bundle services are cancelled. Terms apply.

UW Price Pledge: Eligible new customers (joining on or after 22 April 2024) 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 once a week, excluding promotional activities) or your actual Cashback saving if higher. Full details, eligibility and terms available here.

Don’t miss out

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.

Maximise savings with early termination fee support, welcome bonuses, free SIM deals and more.

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UW Price Pledge: Eligible new customers (joining on or after 22 April 2024) 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 once a week, excluding promotional activities) or your actual Cashback saving if higher. Full details, eligibility and terms available here.

Peace of mind

Have a chat with no pressure, it doesn’t cost a penny

No repeating yourself. Speak to the same person every single time.

And relax. Seriously. We’ll handle the rest. Switches start in as little as 2 days.

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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 (joining on or after 22 April 2024) 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 once a week, excluding promotional activities) or your actual Cashback saving if higher. Full details, eligibility and terms available .

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 13/04/26. Contact us to verify. See UW terms and conditions.

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

Helping households with bills for 30+ years. With over 80 awards in the past 10 years alone. 

Voted UK’s best value energy supplier. Over 60,000 Trustpilot reviews, rated Excellent.

Five star rated building and contents home insurance plus boiler and home cover.

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Awards: Our Home Insurance cover has been given five stars by independent consumer experts, Defaqto (2026) and Moneyfacts (2026). 

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.

How does UW work?

UW offers a streamlined approach to managing your home services in Oldham.

By bundling your energy, broadband, mobile, and insurance, you could unlock annual savings of up to £259.

Check out all the services UW offers in Oldham, 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

Compare our fixed and variable rate tariff deals.

Learn more

Broadband

Full fibre with no installation or connection fees.

Learn more

Mobile

Unlimited data, calls
and texts with 99% UK coverage. 500GB fair use policy applies.

Learn more

Insurance

Defaqto and Moneyfacts five-star-rated Home Insurance.

Learn more

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.

What our customers say

Trustpilot

Partners in and around Oldham

An image of UW partner Jamie Longworth
An image of UW partner Jamie Longworth

Jamie Longworth
Ashton Under Lyne

Hi. I’m Jamie, a family man with a very needy Belgian Shepherd. I’m a military veteran, ex-police officer and law graduate. Before UW, I’d fallen on hard times and was homeless for three months. You can see my story here: https://www.uwstories.co.uk/stories/building-from-a-hard-place UW was my plan B; extra cash whilst I worked full-time in the police. It quickly became my plan A when I saw just how huge the opportunity was. Hands down, this has been the best financial decision of my life. I only wish I’d heard about it sooner! Job security is a thing of the past. During these uncertain economic times, can you really afford not to have a second income stream? Kind regards, Jamie

An image of UW partner Georgie Baddley
An image of UW partner Georgie Baddley

Georgie Baddley
Chadderton

Hi! I’m Georgie Baddley. I’m an Infant Feeding Supporter & Doula in the Greater Manchester area, and I have 4 young kids. My life revolves around helping people through one of the most vulnerable times of their life, and one of the thing I love about UW is it gives me a way of using my passion for helping people to earn an extra income as well as save people tonnes of money. The other thing I absolutely adore, is training other people to earn for their own families wellbeing. It gives me such joy to see someone earn their first £250 for one hour’s work! I can’t wait to have a chat with you. There’s never any pressure and it’d always lovely to connect with someone new. See you soon!

An image of UW partner Chloe Horrocks
An image of UW partner Chloe Horrocks

Chloe Horrocks
Grains Bar

I have recently started my business with UW helping people like you save money on the bills you are already paying. I absolutely love the freedom it gives me to earn in my own time around my two young children and the flexibility to work from wherever I want. I am currently converting a minibus so we can enjoy the freedom of travelling wherever, whenever. Please feel free to book an appointment so I can show you how to save money and earn some extra income to make a positive difference to your life.

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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 Oldham

Whether you own or rent in Oldham, 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

At UW, we take the stress out of securing Home Insurance in Oldham.

We’ll get a panel of insurers to compete on price each year, ensuring you get five-star rated cover at the best possible price.

Trust us to handle the hard work while you enjoy peace of mind.

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

Discover the benefits of UW in Oldham, your reliable partner for energy, broadband, mobile, and insurance services.

When you switch all your home services to UW, you’ll receive our best value deals in one easy-to-manage bill.

You could also get up to £400 towards any early termination fees with your current suppliers, plus 30 days to change your mind without 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.

More Partners in and around Oldham

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.

Areas in and around Oldham

  • Chadderton
  • Royton
  • Shaw
  • Saddleworth
  • Lees
  • Failsworth
  • Greenfield
  • Uppermill

Nearby areas Oldham

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 and are rated Excellent on Trustpilot.

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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