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Essentials Contents Insurance

Contents insurance designed for students and renters - tailor your contents cover up to £14k

Get a quick 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

 

If your property is in Northern Ireland
please call 0845 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)

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 Offers can be withdrawn at any time.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 apply.

Underwritten by U K Insurance Limited

Retrieve quote
Underwritten by
U K Insurance Limited

For students or those living in shared accommodation, our Essentials insurance is a flexible way to cover your core items, with the option to upgrade on certain valuables.

 

female-student-studying-on-bed

Contents cover up to £14,000 for household goods

 

open-book-in-library

Library books covered up to £200 if lost or stolen.

man-watching-tv-on-sofa

Home entertainment up to £1,500 including TVs, audio equipment and Desktop PCs
 

female-student-holding-moving-box

Easy sign up – we’ll create a policy for you even if you don't know your university address.

young-man-using-camcorder

College property on loan covered up to £500 if lost or stolen (Books up to £200)

rbs_0_percent_monthly_payments

Spread the cost over the year… Interest free monthly payments (minimum premiums apply, over 18s only).

Essentials Contents Insurance

Cover Highlights

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

 

If your property is in Northern Ireland
please call 0845 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)

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 apply.

Underwritten by U K Insurance Limited

  

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

Standard Cover details

Cover Level

Sum Insured - The total amount of your cover

 

This is the amount we will pay up to for the costs of repairs or replacing the affected contents.

 

For specific cover for Laptops, other portable equipment, mobile phones & pedal cycles - see 'Extras' section.

£2,000

to

£14,000

Downloaded Information - downloaded information onto laptops/PCs, iPods etc.

 

We will pay the cost of replacing downloaded information and files that you have bought and stored on your home entertainment or mobile phone that is lost or damaged as a result of an insured claim.

£250

Contents - replacement with no deductions for wear & tear (excludes clothing)


For any one item of contents that is lost or damaged, we will decide to either:

- pay the cost of replacing the item or part as new; or
- replace the item or part as new; or pay the cost of repairing the item or part; or
- make a cash payment which will not be more than the amount it would have cost us to replace or repair the item using our own suppliers.
- Essentials Insurance makes a deduction for 'College property on loan'.

New for Old

Contents away from your home

 

We will pay for loss of or damage to contents while they are as follows:

Within the British Isles and temporarily in:

- a bank safe deposit;

- a private home or caravan that is lived in; or

- any building where you or any member of your family work or live.

£250

Money - cover for your money and cash


We will pay for loss of or damage to money in the home.

£50

Alternate Accommodation - covering your property whilst in temporary lodgings


If you live in your home, we will pay on top of any other amount:

- the cost of reasonable alternative accommodation for you, your family and domestic pets; and
- the cost of temporarily storing the contents of your home while your home is unfit to live in after loss or damage. 

20% of

Contents
Sum Insured

Extras

Cover Level

Accidental Damage - cover in the home


We will pay for accidental damage to the contents while in your home.

Optional

Pedal Cycles - bicycles covered in the event of loss or damage


We will pay for accidental loss of or damage to pedal cycles and their accessories within the British Isles and belonging to you or any member of your family.

Optional

£250

Family Legal Protection - legal security for you and your dependents


We will pay the following...

Legal Costs
We will cover your costs in the event of the following:
 - Personal injury – death or bodily injury to you.
 - Contract dispute – a dispute arising out of an agreement which you have for:
    - buying or hiring goods or services;
    - selling goods.

Landlord/ tenant dispute
 - Legal defence – Your work as an employee which leads to:
    - You being prosecuted in a magistrates’ or crown court;
    - civil action being taken against you for unlawful discrimination because of someone’s sex, race, disability, religious belief or political opinion; or
    - civil action being taken against you under section 13 of the Data Protection Act 1998.

Optional

£50,000

Cancellation Fees - 14 day flexible policy cancellation


If you cancel your policy within 14 days of its start date or of the day on which you receive your documents (whichever is later) we will return any premium you have paid, providing you have not made any claims during that time.

If you cancel your policy after that 14 day period, we will return any unused premium minus an administration fee of up to £26.50 (inclusive of Insurance Premium Tax where applicable), providing you have not made a claim during the current period of insurance.

Administration fee
£26.50

 

Spread the 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.

If you choose to make payment by monthly direct debit this will be by way of a credit agreement. This will be subject to eligibility and is only available to people aged 18 or over. The rate will be Representative 0.0% APR.

Representative
0.0% APR

Contents away from your home

 

We will pay for loss of or damage to contents while they are as follows:
Within the British Isles and temporarily in:
- a bank safe deposit;
- a private home or caravan that is lived in; or
- any building where you or any member of your family work or live.

Contents away from your home

 

We will pay for loss of or damage to contents while they are as follows:
Within the British Isles and temporarily in:
- a bank safe deposit;
- a private home or caravan that is lived in; or
- any building where you or any member of your family work or live.

Contents away from your home

 

We will pay for loss of or damage to contents while they are as follows:
Within the British Isles and temporarily in:
- a bank safe deposit;
- a private home or caravan that is lived in; or
- any building where you or any member of your family work or live.

Contents away from your home


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

  

  

View the policy document 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

 

If your property is in Northern Ireland
please call 0845 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)

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 apply.

Underwritten by U K Insurance Limited

  

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 information

Existing customers – got a cover query?

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

Essentials Policy Summary PDF
How to make a claim Customer Services

Essentials Contents 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.

Essentials Contents Insurance

Get covered now

Get a quick 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

 

If your property is in Northern Ireland
please call 0845 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)

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 apply.

Underwritten by U K Insurance Limited

Retrieve Quote
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