Urban Jungle Insurance Reviews 2023 | How it works, Coverage, Pros and Cons

Urban Jungle Insurance Reviews
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Months ago, I was desperately surfing the web for some building insurance policies as a homeowner. I bumped into a lot of them, but was disappointed when I realized they were all scams on the web.

I kept on my search, and luckily for me, I dabbled into Urban Jungle Insurance. Urban Jungle Insurance is an interesting insurance option you may want to opt for if you understand how it works.

So this article is basically an Urban Jungle review that aims to show you some of what you should know about this building insurance platform.

These Urban Jungle insurance reviews provide an in-depth insight into what Urban Jungle means, how it works, its pros and cons, and coverage. To break it down a bit, below is an overview of all you will get from this article:

  • What is Urban Jungle?
  • Who is responsible for Urban Jungle Insurance?
  • What are the Cover possibilities for Urban Jungle
  • Who is Eligible for a Building Insurance Policy?
  • How Do Urban Jungle Building and Content Insurance Work?
  • How much does it cost?
  • What is the Procedures for Filing a Claim with Urban Jungle Insurance?
  • Urban Jungle Insurance Benefits and Drawbacks

Without further ado, let’s dive in properly!

What is Urban Jungle?

In the insurance world, Urban Jungle is a youngster. It was launched in 2016 as a building and content insurance.

The company’s founders were fed up with the slow pace of the industry and sought to create a product that appealed to a younger demographic, particularly young renters.

Basically, there are three types of policies Urban Jungle offers: contents insurance, contents and buildings insurance, and renters’ liability insurance.

Contrastingly, you can check out Tesco Travel Insurance if you need a legit Travel Insurance

Who is responsible for Urban Jungle’s insurance?

Ageas underwrites Urban Jungle’s regular contents insurance coverage.

The Prudential Regulation Authority has authorized Ageas Insurance Limited, which is regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

What are the cover possibilities for Urban Jungle?

Urban Jungle provides both stand-alone contents insurance and a contents and buildings insurance package.

Tenants’ liability insurance is also available from the organization, which protects you in the event that you cause damage to your landlord’s property.

1. Optional Building Insurance

Buildings insurance protects your home from damage to the structure. It’s frequently paired with contents insurance to protect both your home and your things under one policy.

It also covers the costs of completely reconstructing your home.

It’s important to remember that the level of building insurance you need should be based on the rebuild value of your home. And not the price you paid for it or the price you’d get for it if you sold it.

The insured building is covered by Urban Jungle’s structure insurance against damage caused by fire, theft, vandalism, subsidence, landslips, storms, floods, and escaping water or oil.

It also covers the cost of alternate lodging if your home becomes uninhabitable.

2. Content Insurance 

Contrastingly, contents insurance protects your personal items from theft, damage, or misplacement.

Consider turning your house upside down: everything that falls out and belongs to you has been deemed contents (such as furniture and electronics), while everything that stays put is considered part of the structure (like the flooring or the built-in-oven).

Who is eligible for a Building insurance policy?

Basically, building insurance is for people who own a home. It protects your home’s structure and the building itself from damage.

This policy may be perfect for you if you have a mortgage, own your home entirely, or are a sole freeholder. A house with a window, a front door, and plants in the front yard.

However, if you’re buying a property as a freeholder with a mortgage, your lender will almost always need you to have building insurance in place from the day of exchange.

This is in place to protect the loan, and you might not be able to purchase a property without it. 

Keep in mind that building insurance is not required if you own your home outright, and you can choose whether to purchase one.

If you’re renting a home, you won’t require building insurance because it’ll be up to your landlord to make sure they have one. 

Check out Bedford Insurance Group to learn how It Works.

How Do Urban Jungle Building and Content Insurance Work?

The Buildings and Contents of the Urban Jungle include a wide range of topics.

The Buildings and Contents insurance policy from Urban Jungle is designed for homeowners who require coverage for their home, its fixtures, and the belongings inside. That means your entire home is safe!

However, the insured building is covered under our Buildings and Contents insurance coverage if it is damaged by fire, vandalism, subsidence, landslips, storms, floods, or escaping water or oil.

It also covers the cost of alternate lodging if your home becomes uninhabitable.

And also provide £1 million of building cover as standard, with Accidental Damage included.

Interestingly, you can upgrade your policy to include Legal Expenses and Home Emergency coverage.

Coming to the Contents Insurance policy, it protects items like your phone, laptop, and furniture – basically everything you’d take with you when you move – from Accidental Damage, such as fire, storm, or flood damage.

Some of their characteristics include:

  • £1 million in building insurance
  • Contents coverage of up to £120,000
  • As standard, accidental damage coverage
  • Protection of Phones and bicycles
  • Add-on for home emergency coverage
  • Add-on for legal expenses coverage

Other Coverage Alternatives

In addition, the home insurance policies offered by Urban Jungle provide coverage and protection for your home against a variety of dangers. These are some of them:

  • Smoke and fire
  • Damage caused by chance
  • Leaks in the home
  • Floods or storms
  • Tenant’s responsibility

How much does Urban Jungle’s insurance cost?

The worth of your belongings, the type of coverage you desire, and your address are all elements that go into deciding the cost of a house insurance policy.

However, Urban Jungle’s website claims that coverage starts at £5 per month.

The cost of tenants’ liability insurance alone is £55 per year.

What is the Amount of my Urban Jungle Insurance policy Excess?

When you file a claim, an excess is the amount of money you give. Your purchase of policy determines the amount of the excess. But, it is usually the same regardless of the claim’s value.

Urban Jungle’s contents insurance packages allow you to choose your own excess, which starts at £0.

When you choose a greater excess, your premiums will normally be lower, but make sure you can genuinely afford to pay the amount you select if the need arises.

For the main policy, you can choose an excess of £100 and £500 for buildings insurance.

Excess limitations will be higher for some incidents, such as water leakage and subsidence, which can reach £1,000 in some cases (the exact amount will be specified in your policy document).

You can choose a different excess amount for each element of the protection if you buy combined buildings and contents insurance.

Note, only the highest excess set will apply if a claim affects both components of the policy.

What is the Procedure for filing a Urban Jungle insurance claim?

To file a claim, go to the Urban Jungle website and log in to your account, then follow the instructions. You can also manage your insurance in this section of the website.

You’ll need any or all of the following papers to file a claim:

  • Purchase receipts, invoices, and bank or credit card statements in their original form.
  • Booklets of instructions
  • Photographs of the destruction
  • Bills for utilities
  • Pre-purchase questionnaires
  • Your home’s blueprints and deeds
  • Then, any other types of evidence.

While you read, you can also check out Brentacre Insurance: How to get Brentacre Insurance Quotes 2023

Urban Jungle insurance’s benefits and drawbacks

One thing that made people opt for Urban Jungle insurance is its unique benefits which include:


  • Contents insurance policies come with standard coverage for accidental damage and tenants’ liability.
  • Process of getting a quote is simple and quick.
  • Policy is on a month-to-month basis, with the option to cancel at any moment.
  • Completely customizable–make changes quickly and simply online (no fee)


Inasmuch as it has unique benefits, it also has some drawbacks which most people are not comfortable it. One of these numerous drawback includes:

  • Accidental damage is not included as standard with a combined buildings and contents coverage.

Bottom Line

If you’re looking for a simple, open, and adaptable insurance policy for your belongings, Urban Jungle is the company for you. The website is extremely user-friendly, making it ideal for a tech-savvy audience.

However, make sure you read the fine print of your policy thoroughly to ensure you understand everything it covers.

Urban Jungle offers phone assistance exclusively throughout the week, but you can also reach out to them by email or chat.

Begin by going to the Urban Jungle website and signing up for a policy. If you’ve read this review and concluded that Urban Jungle isn’t right for you, you can shop around for other house insurance coverage.

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