Underwriting criteria apply. Royal Bank of Scotland Home insurance policies are underwritten by U K Insurance Limited. Please read this important information: What you need to know about Royal Bank of Scotland (PDF, 114KB) or request a paper copy before you get a quote.
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The details
Cover options OpenClose
Standard Home insurance
The most popular product, offering flexibility to adjust to your needs. Up to £1m Building cover (the amount paid up to for the cost of repairs or rebuild of your home) following a valid claim. Up to £175,000 (new for old) Contents cover (the total amount paid up to for repair or replacing affected contents). Lower limits apply to some items
Elite Home insurance
All the benefits of Standard, with higher levels of cover including unlimited buildings cover. Family Legal Protection, full Accidental Damage and Personal Possessions cover included (optional on Standard home insurance).
Core cover OpenClose
Buildings cover
You can claim for repairing or rebuilding your home following a valid claim.
Contents cover
Items replaced on a new for old basis, regardless of wear and tear, following a valid claim.
Downloaded data
Digital content that you’ve paid for and downloaded onto your home computer, laptop or a mobile device is covered.
Special events
The amount your contents are insured for (‘sum insured’) will be increased by 10% for births, marriages and religious festivals for a limited time.
Contents outside
Cover for your contents whilst in your garden, and for plants, shrubs and trees.
Optional extras OpenClose
Accidental damage
Unintentional damage (such as DIY accidents) in parts of the building you’re responsible for will be paid. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Home Emergency
You’ll get up to £500 towards call-out, labour and parts if there’s an emergency in your home. This would be an optional extra for both Standard and Elite insurance.
Legal Protection
Provides financial help towards you and your dependents in certain legal disputes (if the claim has at least 50% chance of success) and access to a 24-hour confidential helpline. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Personal Possessions
You can get cover for items taken outside your home eg. Laptops, jewellery, pedal cycles. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Information Message
Cover limits and exclusions apply
Switch your home insurance
When you switch to Royal Bank of Scotland home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.
Fill in your details
To give you an accurate quote, you'll need to fill in some personal details and information.
Tailor your policy
Select how much you want your contents insured for and if you want any optional extras.
Review and apply
Review your details and your quote. If you’re happy with everything, then you can apply.