Buildings and Contents Insurance UK - Home Insurance - Royal Bank of Scotland

House keys hanging on a coat hook in a home

Building & Contents Insurance

Get a quote
Would you like a quote for… Combined Buildings and Contents insurance?
 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
 
 Receive 10% extra cover at Christmas at no extra cost
 

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

 

Important documents to read and save/print before applying:
How we use your informationLegal Information and our What you need to know


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
Underwritten by U K Insurance Limited

Our Buildings and Contents insurance takes care of the finer details, and 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. 

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. Excludes Private Insurance. Underwritten by U K Insurance Limited.
 

Switching from another insurer?

Switch to Royal Bank of Scotland home insurance and you can claim up to £50 towards cancellation fees you pay your existing insurer.

After purchasing and cancelling your existing cover you should call U K Insurance Limited who will arrange reimbursement in 7-10 days.  

For full details of cover, any limitations and significant exclusions, please view the policy document.

Select from our two levels of cover

Standard

Our most popular product, offering flexibility to adjust to your needs 

Get a quote
Would you like a quote for… Combined Buildings and Contents insurance?
 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
 
 Receive 10% extra cover at Christmas at no extra cost
 

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

 

Important documents to read and save/print before applying:
How we use your informationLegal Information and our What you need to know


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.

Elite

All the benefits of Standard, with higher levels of cover 

 

Get a quote
Would you like a quote for… Combined Buildings and Contents insurance?
 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
 
 Receive 10% extra cover at Christmas at no extra cost
 

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

 

Important documents to read and save/print before applying:
How we use your informationLegal Information and our What you need to know


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.

Building cover (the amount we will pay up to for the cost of repairs or rebuild of your home)

Up to £1m

Unlimited

Contents cover (the total amount we will pay up to for repair or replacing affected contents)

£50,000
(new for old) 

£100,000
(new for old & matching items) 

Interest-free monthly payments

Included

Credit facilities - over 18s only. (Representative 0.0% APR) Subject to eligibility and credit agreement. 

Included

Credit facilities - over 18s only. (Representative 0.0% APR) Subject to eligibility and credit agreement. 

Accidental damage

Optional

Included

Contents away from your home

£5,000

£10,000

Personal possessions taken outside your home eg. Laptops, jewellery, pedal cycles

Optional:

Up to £9,999

Single item limit £2,000 (except bicycles)

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.
 

Included

Up to £9,999

Single item limit £4,000 (except bicycles)

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.
 

Home Emergency Cover (up to £500 for call out, labour and parts in the event of an emergency at your home)

Optional:

Up to £500

Optional:

Up to £500

Special Events (birth of a child, religious festivals and weddings or civil partnerships)

We will increase the sum insured for contents by 10% for 30 days before and after you have a baby, a religious festival that you celebrate or your wedding or civil partnership.

We will increase the sum insured for contents by 10% for 30 days before and after you have a baby, a religious festival that you celebrate or your wedding or civil partnership.

Legal Cover protection (legal costs cover for certain types of legal disputes – see policy booklets for details)

Optional:

Up to £100,000

The claim has to have a better than 50% chance of success.

 

Included

Up to £100,000

The claim has to have a better than 50% chance of success.

RBS Home Insurance is underwritten by U K Insurance Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 202810. 

Need higher levels of cover? Take a look at Private home insurance 

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