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Find a UW Partner
Find a UW Partner

Wigan Insurance

Utility Warehouse

UW provides Defaqto and Moneyfacts five-star rated Home Insurance in Wigan, designed to offer complete protection for your home.

This includes cover for buildings, contents, boilers, and home emergencies, ensuring you have peace of mind.

With 289 insurance customers already in Wigan, they are enjoying estimated total savings of up to £21,675 annually through our comprehensive Home Insurance packages.

Plus, enjoy 24/7 claims team support for any boiler breakdowns or home emergencies.

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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 . Correct at 13/04/2026.
Inclusive EU Roaming with Unlimited Max, subject to 14GB roaming cap. Data consumption subject to 500GB personal usage cap. EU roaming on our Essential Max plan is subject to your 10GB data allowance and gives you access to 4G with a compatible phone. See & .

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 .

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 (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

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?

UW offers an innovative approach to managing your home services in Wigan.

By bundling your energy, mobile, and insurance, you could simplify your monthly bills and enjoy estimated savings of up to £274 annually.

Find out how UW can help you in Wigan, 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.

Learn more

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 Wigan

An image of UW partner Peter Clarke
An image of UW partner Peter Clarke

Peter Clarke
New Springs

Hi, I’m Peter from Wigan. My wife Carol and I are retired. We run our UW business around a busy lifestyle of travel and grandchildren. We love helping people save money on their bills, improving their opportunities to enjoy some of life’s little luxuries. We’re always on the lookout for potential business partners: like-minded busy people, who might like to retire earlier, whilst earning smartly! UW provides the opportunity to achieve a bit more from life. We love the opportunities UW offers, because it’s not actual selling. We all need gas and electricity, after all. So help your friends and family save money on things they are already paying for.

An image of UW partner Helen Atherton
An image of UW partner Helen Atherton

Helen Atherton
Standish

Hi, I live in Standish in Wigan with my daughter and my Cocker Spaniel. I currently work full-time, and run my UW business around a busy lifestyle. I’ve enjoyed a number of fabulous incentives with UW, most recently a fully paid trip to Prague with my partner, and a lovely day at the Epsom Derby with my daughter. I’m looking for like-minded busy people (busy people always just seem to get more done!) who want a bit more out of life. We all work bloomin’ hard; we deserve some ME TIME. I love UW because it’s not selling: Everyone needs gas and electricity, so why not show friends and family some other options, which will save them money on things they are already paying for and need?

An image of UW partner Stephen and Kathryn Barker
An image of UW partner Stephen and Kathryn Barker

Stephen and Kathryn Barker
Standish

Steve and Kathryn have been involved with UW for nine years, and have enjoyed helping many people save money and make money. Steve is a psychotherapist and Kathryn has a background in education and training, as a maths tutor and cycling instructor. They moved to Standish in 2021 and love cycling and walking. UW has given them the time freedom to enjoy their hobbies as well as spend time with family. UW fits in great around those things, and the income provides more choices in life. So if it’s saving money on those sky-rocketing bills, or if you would like more income to help with your choices in life, then please get in touch; they would love to hear from you. Steve and Kathryn

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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 Wigan

Whether you own or rent in Wigan, 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 understands the importance of protecting what matters most to you.

In Wigan, we do all the legwork for your Home Insurance.

Our panel of insurers competes annually on price, ensuring you receive five-star rated cover at the best possible price.

You could feel secure knowing your home is in safe hands.

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 ally in Wigan, offering a comprehensive array of home services, including energy, broadband, mobile, and insurance.

When you make the switch to UW, you’ll receive our best deals all on one easy-to-manage bill.

Plus, you could receive up to £400 to help cover any early termination fees with your current suppliers, and you’ll 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.

More Partners in and around Wigan

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 Wigan

  • Leigh
  • Ashton-in-Makerfield
  • Hindley
  • Standish
  • Orrell
  • Ince-in-Makerfield
  • Golborne
  • Shevington

Nearby areas Wigan

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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