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Find a UW Partner
Find a UW Partner

Sutton Insurance

Utility Warehouse

UW provides comprehensive Home Insurance solutions for everyone in Sutton.

Our Defaqto and Moneyfacts five-star rated Home Insurance ensures complete home protection, covering buildings, contents, boiler, and home emergencies.

74 customers in Sutton are saving an estimated total of £5,550 annually by bundling services with insurance.

With 24/7 claims team support for boiler breakdowns and emergencies, you can rest easy knowing your home is in safe hands.

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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.

£150 Cashback Card credit

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.

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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 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).

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 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.

Peace of mind

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

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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.

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.

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 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.

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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

How does UW work?

In Sutton, UW offers a streamlined approach to managing your home services.

By bundling energy, broadband, mobile, and insurance together, you could enjoy the simplicity of a single bill whilst benefiting from our full range of services. When you bundle four of our services, you could save up to £274 annually.

Find out how UW can help you in Sutton, and join the over 1,386,585 customers nationwide who are making their utilities run more smoothly.

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.

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Broadband

Full fibre with no installation or connection fees.

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Mobile

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

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Insurance

Defaqto and Moneyfacts five-star-rated Home Insurance.

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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 Sutton

An image of UW partner Obiageli Ogbonna
An image of UW partner Obiageli Ogbonna

Obiageli Ogbonna
Rosehill

I am Obiageli Ogbonna, an accountant currently working within the charity sector. Outside of work, I enjoy listening to music and going out—it keeps me balanced and energised. I have been a UW customer for several years, and recently I rediscovered UW from a completely new angle—as a partner. What has always stood out for me is the consistent savings on my energy bills and the exceptional customer service. That experience made me realise something important: if I’ve benefited this much, others can too. Now, as a UW partner, I’m passionate about giving people the opportunity to save on their energy bills and even earn a meaningful extra income. So don’t hesitate to get in touch with me today

An image of UW partner Elena Atanasova
An image of UW partner Elena Atanasova

Elena Atanasova
Carshalton

Hello! My name is Elena Atanasova and I’m originally from Bulgaria. As a mother of two, my primary focus is on taking care of them by being present and sharing all my time and love. I adore nature and enjoy going out with my kids, taking them to as many outdoor adventures as possible. This is how I came across UW. My son brought me to a 20K Giveaway stand in the garden centre where we like to hang out. This is how I met my Purple Team! I became a customer and a Partner because I was interested in saving money on our household bills and earning that extra income. I’m proud that I made the decision to join a unique company that really cares and constantly improves! I can help you get on board, too.

An image of UW partner Belinda Beeko
An image of UW partner Belinda Beeko

Belinda Beeko
Hackbridge

Hi, I’m Belinda, a Civil Engineer, Project Manager, and property investor. Joining UW in July 2025 was one of my best decisions! I save on my own bills, earn rewards, and help others cut their utility costs too. UW has become a fun, flexible side hustle that fits my lifestyle and helps friends and family save and earn extra income. Want to know how UW can work for you? Let’s connect!

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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 Sutton

Whether you own or rent in Sutton, 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 handle all the work for your Home Insurance in Sutton, ensuring you get the best coverage available.

Each year at renewal, our panel of insurers competes to provide you with five-star rated cover, guaranteeing you the best price possible.

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 is your trusted partner in Sutton, offering a full range of services to streamline your home management.

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

Plus, you could receive up to £400 towards any early termination fees with your existing suppliers and we’ll give you 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.

More Partners in and around Sutton

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 Sutton

  • Cheam
  • Beddington
  • Carshalton
  • Sutton Town
  • Belmont
  • Wallington
  • Rosehill
  • Worcester Park

Nearby areas Sutton

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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