Luton Home Insurance - Utility Warehouse
UW's five-star insurance packages will help keep your contents, home and even boiler safe.
Plus, you can also apply for Bill Protector or Income Protector – which provide cover if you're not able to work due to illness, injury or unemployment through no fault of your own.
And to make sure that you always get our best value for your home insurance in Luton, we get a panel of insurers to compete on price – meaning you'll get award winning coverage at the lowest possible price from our panel.
How does UW work?
At Utility Warehouse, we like to do things a bit differently. We bundle all your home services (energy, broadband, mobile, and insurance) into one, simple bill – helping you save time and unlock savings and benefits.
Even better, we use a team of distributors, called Partners, to ensure you get a package that's tailored to your needs.
To find out more about our broadband deals in Luton and other services, get in touch with one of our authorised Utility Warehouse Partners – they'll guide you through our award-winning multiservice offering.
All your home services in one
Building and contents insurance in Luton
Whether you own or rent, cover what matters most. Our buildings, contents, and combined insurance policies for Luton are five-star rated.
Here's what's covered:
Contents – £80,000
Office equipment – £5,000
Digital information – £2,000
Alternative accommodation – £1,000
Theft or malicious acts to content in outbuildings – £3,000
Income Protector and Bill Protector
Our Bill Protector and Income Protector products are there to offer you peace of mind in uncertain times, helping you stay on top of your finances when life gives you lemons.
UW Bill Protector - The Bill Protector** is there to help you keep the lights on when you're unable to work through no fault of your own. Whether it's because of illness or unemployment, you can rest easy knowing your bill is covered.
UW Income Protector - Income Protector protects a portion of your pre-tax earnings*** to give you a helping hand if you're unable to work through no fault of your own. The money can go towards living expenses, or just making sure your loved ones have what they need till you're back on your feet again.
Boiler & Home cover in Luton
UW's Boiler Cover in Luton goes beyond just making sure your boiler's in good nick. We protect your whole home. Here's what's included:
- Boiler and controls repairs
- Plumbing and drains
- Electrical repairs
- Pest and security
- Unlimited call outs
- Free annual service on your boiler
- A service team that works around the clock
Already got a similar cover? Fear not. We'll pay up to £200* towards the termination fees with your existing suppliers. Plus, you'll have 30 days to change your mind and get a full refund of your premium.+
We do all the legwork
To ensure you're getting the best bang for your buck, we work with a panel of insurers who compete on price to provide the same great UW cover for your home insurance.
At renewal, we go back to our panel and get them to bid again and give you the best price for the exact same cover. This means you'll get our best cover at the lowest price year after year from our panel.
Partners serving Luton
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 Bill Protector or Income Protector, Boiler and Home Cover as well as an exclusive Cashback card.
Switching is as simple as 1, 2, 3... 4
Signing up to UW is easy, just pick any combination of home services. The more you select, the more savings and benefits you unlock. Simple as that.
Our peace of mind promise
When you switch all your home services to UW you can get energy prices up to 5%* below the Government's price cap. £200 towards any early termination fees with existing suppliers and 30 days to change your mind without any penalty^.
Earn more than an income as a UW Partner
Our Partners make money by recommending UW services to others. It's a flexible way to make extra cash and get a passive income.
You can earn up to £300 for every person you help sign up to UW, plus a whole host of other benefits like holidays, hampers, events and more!
**Bill Protector will pay up to £300 per month towards your UW bill for a maximum of six months. Exclusions apply. ***Income Protector will pay up to 65% of your pre-tax income per month, up to £750 for a maximum of six months.
*When you switch your Home Phone, Broadband, Mobile and Boiler & Home cover to us, we'll give you up to £200 towards any termination fees you have to pay to your current providers. Additional requirements apply to customers who are tenants. Terms & conditions apply.
* Energy discount: 5% discount applies to customers who switch their energy plus 2 or 3 other services (bill protector excluded. Boiler & home cover also excluded for tenants). Lower discounts will be applied to customers taking just energy, or energy plus just one other service. The discount only applies to customers on a variable energy tariff paying by Direct Debit with a credit meter and is calculated at a flat rate using the typical consumption (typical domestic consumption values as set by Ofgem) on payment by Direct Debit, compared to the Government's energy price cap level for default energy tariffs. % discount could be higher or lower depending on your actual consumption.
^£200 to help you switch and 30 days to change your mind applies when you switch at least three of your services: energy, broadband, mobile and insurance (excluding Home Insurance and Boiler & Home Cover) - and you are a new customer. £200 to help you switch - we'll give you credit up to £200 towards any termination fees you have to pay your current providers. Additional requirements apply to customers who are tenants. 30 days to switch - for energy, broadband, mobile and insurance (excluding Home Insurance and Boiler & Home Cover). You'll need to return any equipment and pay for services you used before you cancel. Terms & conditions apply.
+For cancellations within 30 days of the policy purchase if the period of insurance hasn't started and if no claim has been made. If a claim has been made you must pay any remaining premium due for the term of the policy.
Our Home Insurance and Boiler & Home Cover have been given 5 stars from independent reviewers Defaqto and Moneyfacts 2021.
Registered in England. Company number: 04594421 Utility Warehouse Limited is authorised and regulated by the Financial Conduct Authority