Contents Insurance, Home Contents Insurance - Royal Bank of Scotland

House keys on a coat hook in a home

Contents Insurance

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

Get a quick quote

Get a quote

Standard and Elite 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
  • Receive 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)
 

Get a quote

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 Existing customers
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

Our 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.
 

Get a quote

Get a quote

Standard and Elite 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
  • Receive 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)
 

Get a quote

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.

A living room with home contents, covered by insurance

Contents cover up to £100,000 available on Elite

Wedding presents on cupboard, covered by home contents insurance

Newlyweds receive 10% extra cover for new gifts at no extra cost (excludes Essentials cover)

Christmas presents waiting under the tree, covered by home contents insurance

Receive 10% extra cover at Christmas at no extra cost (excludes Essentials cover)

Woman sat on sofa, listening to downloaded music through headphones connected to her laptop

Laptops, Tablets and portable music players covered in the home. Cover outside the home available.

Two men carrying new furniture to replace an old one that was covered under a home contents policy

New for old replaced without any deductions for wear and tear (contents cover only)

Coffee accidentally spilt on a laptop keyboard, causing liquid damage to the computer

Accidental damage cover available

Woman using a laptop whilst drinking coffee in a bar, safe in the knowledge it's still covered by her home contents insurance

Contents cover away from your home from £250 to £10,000 available
 

A wallet containing money, accidentally dropped and left on a pavement by a man in the distance, covered by his home contents insurance policy

Cover for accidental loss of money anywhere in the world (excludes Essentials cover)
 

Excellent levels of cover Three levels of cover to choose from


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

Standard & Elite policies are rated:

More information on Defaqto Star Ratings
An excellent product with a comprehensive range of features and benefits
RTE

Essentials

For students or those living in shared accommodation

Standard

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

Elite

All the benefits of Standard, with higher levels of cover

Get a quote
Would you like a quote for… Essentials Contents insurance?
 Home entertainment up to £1,500 including TVs, audio equipment and Desktop PCs
 
 Library books covered up to £200 if lost or stolen
 
 Easy sign up – we’ll create a policy for you even if you don't know your university address

Do you live in sole occupancy unfurnished accommodation?
Essentials Insurance is not suitable if you are living in sole occupancy unfurnished accommodation, unless you live in student halls of residence. If you live in this kind of accommodation please consider our Standard or Elite Home insurance.
 
 
 

If your property is in Northern Ireland
please call 0345 301 5724
(Minicom 0800 051 3030)

 

 

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 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
  • Receive 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)
 

Get a quote

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 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
  • Receive 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)
 

Get a quote

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.

Contents cover Total amount of your cover
- This is the amount we will pay up to for the costs of repairs or replacing the affected contents.

Replacement with no deductions for wear & tear.

From £2,000 to £14,000

 

£50,000

(new for old)

£100,000

(new for old & matching items)

Accidental DamageProvides cover against accidental damage to the home and it's contents

Optional

Optional

Contents Away
from Your Home Cover for belongings when stored securely elsewhere. We will pay for loss of or damage to contents while they are away from your home and within the British Isles


£250


£5,000


£10,000

Personal possessions Insures items to be worn or carried that you normally take out of the home - We will insure Laptops, other portable equipment, mobile phones, pedal cycles & other specified items for loss or damage while away from the home anywhere within the British Isles and for up to 60 days elsewhere in the world.

£2,500
(optional)

£5,000
(included)

No charge for
monthly payments No additional cost to pay monthly - If your premium for the year is more than £70 you can choose to spread the payments over 12 months with no additional cost.
Representative 0.0% APR
Over 18s only. Subject to eligibility and credit agreement.




Policy summaries

Essentials summary
Standard summary
Elite summary

Policy documents

Essentials policy
Standard policy
Elite policy

  

Get a quote
Would you like a quote for… Essentials Contents insurance?
 Home entertainment up to £1,500 including TVs, audio equipment and Desktop PCs
 
 Library books covered up to £200 if lost or stolen
 
 Easy sign up – we’ll create a policy for you even if you don't know your university address

Do you live in sole occupancy unfurnished accommodation?
Essentials Insurance is not suitable if you are living in sole occupancy unfurnished accommodation, unless you live in student halls of residence. If you live in this kind of accommodation please consider our Standard or Elite Home insurance.
 
 
 

If your property is in Northern Ireland
please call 0345 301 5724
(Minicom 0800 051 3030)

 

 

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 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
  • Receive 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)
 

Get a quote

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 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
  • Receive 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)
 

Get a quote

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.

 

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

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.

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

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 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.

Contents Insurance Get your quote today
Get a quick quote

Get a quote

Standard and Elite 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
  • Receive 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)
 

Get a quote

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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