Two house keys hanging on a coat rack

Buildings Insurance

Home insurance cover designed for just your property, without the contents

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Underwritten by
U K Insurance Limited

Standard and Elite cover is currently only available to existing RBS customers

If the unexpected happens, RBS Buildings Insurance can help you with costs if you incur damage to your home to help keep your mind free from worry.

 

A typical street of terraced houses

Unlimited Buildings cover available on Elite cover


Mother and child checking at a hotel reception after an incident which means they currently can't live in their own home

Alternative accommodation starting from £25,000

A lonely pair of house keys left on the ground having been dropped by their owner

We’ll replace your locks on any external doors if your keys are lost or stolen

Buildings Insurance

Cover at a glance

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

RTE

Standard

Elite

Private

Defaqto 5 star rating - Defaqto are an independent financial research company View policy document

  

Get a quote

  

Defaqto 5 star rating - Defaqto are an independent financial research company View policy document

  

Get a quote

  

Defaqto 5 star rating - Defaqto are an independent financial research company View policy document

        

Get a quote

The Private Team

We’re here to support you

To speak to our dedicated Private Insurance Team

Private Insurance Team

Let us call you

Telephone 0800 533 5265
Minicom number 0800 404 6160

Lines are open:
Mon to Fri 8am - 8pm, Sat 9am - 5pm. 
Excluding public holidays. Calls may be recorded.

Private account enquiries

 

Telephone 0845 30 30 600
International +44 (0) 118 963 9698
Minicom 0845 900 5960

 

Eligibility criteria

RBS Private is available to all customers with a sole income of at least £100,000 paid into their RBS account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

  

Buildings Cover

Standard

Elite

Private

Sum Insured The total amount of your cover - This is the amount we will pay up to for the costs of repairs or rebuild of your home.

Blanket cover up to £1M

Unlimited

Unlimited

Alternate Accommodation Cover for accommodation in the event of a claim - If your home is not fit to be lived in, we will pay the cost of reasonable alternative accommodation for you, your family and your domestic pets

£25,000

£50,000

2 years

Accidental Damage Cover for areas of the home you're responsible for - We will pay for accidental damage to internal pipes, or DIY accidents like hammering a nail through a pipe behind a wall which you are responsible for and which provide services to or from your home.

Optional

Trace and Access Cover for locating and gaining access - We will pay for the cost of removing and replacing any part of the building to find the source of any water escaping from tanks, pipes, equipment or fixed heating system in the building.

£5,000

£10,000

15,000

Lock Replacement Cover in the event your keys are lost or stolen -
We will pay the cost of replacing and fitting locks to the outside doors of your home if the keys to your home have been lost or stolen.

Reasonable costs
if keys lost/stolen

Reasonable costs
if keys lost/stolen

Reasonable costs if keys lost/stolen
- no excess

Emergency Entries To cover forced entry by the emergency services - We will pay for damage to the building caused when the fire brigade, the police or the ambulance services need to make a forced entry because of an emergency to you or any member of your family

up to cost incurred

up to cost incurred

up to cost incurred

Extras

Standard

Get a quote

Elite

Get a quote

Private

Get a quote

The Private Team

We’re here to support you

To speak to our dedicated Private Insurance Team

Private Insurance Team

Let us call you

Telephone 0800 533 5265
Minicom number 0800 404 6160

Lines are open:
Mon to Fri 8am - 8pm, Sat 9am - 5pm. 
Excluding public holidays. Calls may be recorded.

Private account enquiries

 

Telephone 0845 30 30 600
International +44 (0) 118 963 9698
Minicom 0845 900 5960

 

Eligibility criteria

RBS Private is available to all customers with a sole income of at least £100,000 paid into their RBS account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

Accidental Damage Cover in the home - We will pay for accidental damage to the contents while in your home.

Optional

Standard

Elite

Private

View policy document

  

Get a quote

  

Defaqto 5 star rating - Defaqto are an independent financial research company
View policy document

  

Get a quote

  

Defaqto 5 star rating - Defaqto are an independent financial research company
View policy document

  

Get a quote

The Private Team

We’re here to support you

To speak to our dedicated Private Insurance Team

Private Insurance Team

Let us call you

Telephone 0800 533 5265
Minicom number 0800 404 6160

Lines are open:
Mon to Fri 8am - 8pm, Sat 9am - 5pm. 
Excluding public holidays. Calls may be recorded.

Private account enquiries

 

Telephone 0845 30 30 600
International +44 (0) 118 963 9698
Minicom 0845 900 5960

 

Eligibility criteria

RBS Private is available to all customers with a sole income of at least £100,000 paid into their RBS account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

      

  

Defaqto 5 star rating - Defaqto are an independent financial research company

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

Defaqto are an independent financial research company

Discounts & savings

Cover yourself for less

Good news - insuring your valuables has never been so appealing with our Home buildings and contents insurance discounts.

 If you've already got car insurance with us, mark this on the application form and enjoy an extra 10% discount

 If you'd like to pay monthly, we won't charge you for it.

Subject to credit agreement and eligibility. Credit facilities: Over 18s only.
Representative 0.0% APR.

Conditions relating to all discounts
Discounts apply in the first year of cover. If more than one discount applies then these will be deducted consecutively from your individual annual premium. Offers can be withdrawn at any time. Quotes are valid for 90 days. Home insurance discounts apply to Standard and Elite cover, but exclude optional home emergency cover and family legal protection. Underwriting criteria and minimum premiums apply.

What you need to know

New customers – read before you apply

Please make sure you've read the following information before getting a quote, and also save/print the Key Facts document.

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Monthly payments. Subject to eligibility and credit agreement. Credit facilities: Over 18s only. Representative 0.0% APR.

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.

Helpful information

Full policy details

You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit the Adobe accessibility pages.

Standard Policy Summary PDF Standard Policy Booklet PDF
How to make a claim Customer Services

Buildings Insurance

Get in touch

Standard & Elite home insurance

Call 0800 051 1450

 

Minicom 0800 051 3030

 

Essentials home insurance
Call 0845 301 5724

 

Minicom 0800 404 6161 

 

Mon to Thu 8am - 8pm
Fri 8am - 6pm
Sat 9am - 5pm
Sun 10am - 5pm
Bank Holidays 9am-5pm
(excluding Christmas Day, Boxing Day, New Years Day and Easter Sunday)

Calls may be recorded.

Find your nearest branch

If you purchased your policy before May 2005 please call us for a copy of your policy documents.

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, pet and life insurance and 100% on motor insurance, with no upper limit. 

Further information is available here or visit www.fscs.org.uk.

Buildings Insurance

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