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Home Insurance

Relax...
Fix your home insurance price for three years

Get a quick quote

Get a quote

Standard and Elite Home Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote


if your property is in Northern Ireland
please call 0800 051 1450
(Minicom 0800 051 3030) 
 

Looking for lighter cover?

Essentials Contents Insurance

 
  • Up to £14,000 cover
  • For students or those living in shared accommodation
  • Loaned college material covered up to £500 if lost or stolen (books up to £200)
  • Top up option to protect laptops, mobile phones, bicycles and mp3s
Find out more

   

Important documents to read and save/print before applying: 
How we use your informationLegal information and our Key facts (PDF)

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Retrieve quote Make a claim
Fixed price ends if we make a claim payment. Price may change if you amend your policy or Insurance Premium Tax changes.

Underwritten by U K Insurance Limited

Relax...

With the price fixed for three years, it’s one less thing to worry about

You can really relax with our home insurance cover. When you take out a policy with us, we’ll fix the price for the next two renewals, so you’ll know exactly what you’ll be paying.

You’ll get our comprehensive 5* Defaqto rated cover too with our Standard & Elite policies (underwritten by U K Insurance Limited). What’s more, we’ll always be there when you need us, with an emergency helpline available 24/7, 365 days a year.

  No change to your premium for 3 years

  Save time and hassle - no need to shop around every year

  It helps you to budget, and we don't charge you extra to pay monthly

subject to credit agreement, eligibility and minimum premium.
Credit facilities: Over 18s only.

Representative 0.0% APR.

 

No need to wait!

You don’t need to wait until your current policy ends with another provider, if you move your home insurance to us, we’ll pay up to £50 of any fees you incur when switching (applies to Standard and Elite policies)

 

defaqto-5-star-home-insurance-full-article
An excellent product with a comprehensive range of features and benefits
Get a quote

Get a quote

Standard and Elite Home Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote


if your property is in Northern Ireland
please call 0800 051 1450
(Minicom 0800 051 3030) 
 

Looking for lighter cover?

Essentials Contents Insurance

 
  • Up to £14,000 cover
  • For students or those living in shared accommodation
  • Loaned college material covered up to £500 if lost or stolen (books up to £200)
  • Top up option to protect laptops, mobile phones, bicycles and mp3s
Find out more

   

Important documents to read and save/print before applying: 
How we use your informationLegal information and our Key facts (PDF)

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

 

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Quotes are valid for 90 days. Underwriting criteria apply. Underwritten by U K Insurance Limited.

Excellent levels of cover

Compare our Standard and Elite home insurance

RTE

Cover type

Standard

Elite

Buildings

Blanket cover up to £1 million

Unlimited cover

Contents

£50,000

(new for old)

£100,000

(new for old & matching items)

New for old replacement

Plus matching items as standard

Interest-free monthly payments

(Representative 0.0% APR)

Over 18s only. Subject to eligibility and credit agreement

 

Accidental damage to home entertainment equipment - includes TVs

Alternative accommodation cover

(whilst insured repairs are carried out if your home is unfit to live in)

Up to £25,000

Up to £50,000

Family legal protection (up to £100,000)

Optional

Personal possessions taken outside your home e.g. cameras, jewellery and bicycles

Optional

Single item limit £2,000 (except bicycles)

Single item limit £4,000 (except bicycles)

Get a quote

Get a quote

Standard and Elite Home Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote


if your property is in Northern Ireland
please call 0800 051 1450
(Minicom 0800 051 3030) 
 

Looking for lighter cover?

Essentials Contents Insurance

 
  • Up to £14,000 cover
  • For students or those living in shared accommodation
  • Loaned college material covered up to £500 if lost or stolen (books up to £200)
  • Top up option to protect laptops, mobile phones, bicycles and mp3s
Find out more

   

Important documents to read and save/print before applying: 
How we use your informationLegal information and our Key facts (PDF)

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Get a quote

Get a quote

Standard and Elite Home Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote


if your property is in Northern Ireland
please call 0800 051 1450
(Minicom 0800 051 3030) 
 

Looking for lighter cover?

Essentials Contents Insurance

 
  • Up to £14,000 cover
  • For students or those living in shared accommodation
  • Loaned college material covered up to £500 if lost or stolen (books up to £200)
  • Top up option to protect laptops, mobile phones, bicycles and mp3s
Find out more

   

Important documents to read and save/print before applying: 
How we use your informationLegal information and our Key facts (PDF)

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

 

For full details of our cover, including limits and exclusions please see the policy documents

 

Standard Policy document   

 

Elite Policy document

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Get covered with
RBS home insurance

 We’ll replace your old items with new ones

  You'll get automatic cover for accidental damage to home entertainment equipment

  Emergency helpline available 24/7, 365 days a year

  You'll get interest–free monthly payments. Over 18s only, subject to eligibility and credit agreement. Representative 0% APR

Get your home insurance quote

Get a quote

Standard and Elite Home Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote


if your property is in Northern Ireland
please call 0800 051 1450
(Minicom 0800 051 3030) 
 

Looking for lighter cover?

Essentials Contents Insurance

 
  • Up to £14,000 cover
  • For students or those living in shared accommodation
  • Loaned college material covered up to £500 if lost or stolen (books up to £200)
  • Top up option to protect laptops, mobile phones, bicycles and mp3s
Find out more

   

Important documents to read and save/print before applying: 
How we use your informationLegal information and our Key facts (PDF)

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Helpful banking

Protecting your money

If anything happens to us and we cannot pay valid claims or return your premium on your insurance policy then the FSCS will pay 90% of your claim on your home and pet insurance and 100% on your life and motor insurance, with no upper limit.

Further information is available here (650K PDF) or visit www.fscs.org.uk.

Home Insurance

Get your quote today

Get a quick quote

Get a quote

Standard and Elite Home Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote


if your property is in Northern Ireland
please call 0800 051 1450
(Minicom 0800 051 3030) 
 

Looking for lighter cover?

Essentials Contents Insurance

 
  • Up to £14,000 cover
  • For students or those living in shared accommodation
  • Loaned college material covered up to £500 if lost or stolen (books up to £200)
  • Top up option to protect laptops, mobile phones, bicycles and mp3s
Find out more

   

Important documents to read and save/print before applying: 
How we use your informationLegal information and our Key facts (PDF)

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Retrieve Quote
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