Buildings and contents insurance

Combined cover for
the inside and outside
of your home

Why choose buildings and contents insurance?

You could get a quote in less than five minutes.

This policy has been awarded the highest Defaqto rating.

You can choose between two levels of cover and add optional extras.

You can pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)

We fix the price of your premiums for three years so you know exactly how much you’ll be paying.

How our fixed price policy works

The details

Cover options

Standard home insurance

Our most popular product, offering flexibility to adjust to your needs. Up to £1m Building cover (the amount we will pay up to for the cost of repairs or rebuild of your home) following a valid claim. £50,000 (new for old) Contents cover (the total amount we will pay up to for repair or replacing affected contents). For more information on what the policy covers, please read the Standard insurance product information document and policy document

Elite home insurance

All the benefits of Standard, with higher levels of cover. Unlimited Building cover (the amount we will pay up to for the cost of repairs or rebuild of your home) following a valid claim. £100,000 (new for old) Contents cover (the total amount we will pay up to for repair or replacing affected contents). For more information on what the policy covers, please read the Elite insurance product information document and policy document.

Core cover

Building cover

You can claim towards the cost of repairing or rebuilding your home following a valid claim.

Contents cover

We’ll replace new for old, regardless of wear and tear following a valid claim.

Downloaded data

Digital content that you’ve paid for and downloaded onto your home computer, laptop or a mobile device is covered.

Special events

We’ll increase the amount your contents are insured for (‘sum insured’) by 10% for 30 days before and after certain special events.

Contents away from home

This covers certain personal possessions (e.g. laptop, jewellery, bicycle) that you can wear or you take outside the house.

Optional extras

Accidental damage

We’ll pay for unintentional damage (such as DIY accidents) in parts of the building you’re responsible for. This would be an optional extra for Standard insurance cover and included with Elite insurance cover

Home emergency

You’ll get up to £500 towards call-out, labour and parts if there’s an emergency in your home. This would be an optional extra for both Standard and Elite insurance

Legal protection

Provides financial help towards you and your dependents in certain legal disputes (if the claim has at least 50% chance of success) and access to a 24-hour confidential advice line. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Personal possessions

You can get cover for items taken outside your home eg. Laptops, jewellery, pedal cycles. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Switch your home insurance to us

When you switch your home insurance to us, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out one of our policies, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.

What to expect

Fill in your details

To give you an accurate quote, we’ll ask you for some personal details and information.

Tailor your policy

Tell us how much you want your buildings and contents insured for and if you want any optional extras.

Review and apply

Review your details and your quote. If you’re happy with everything, then you can apply.

Get or retrieve a quote

Would you like to...

Important information

We want to make sure that you get the cover you need. So before we carry on to your quote, please take some time to read or download and save these documents. For full details of cover, any limitations and significant exclusions, please view the policy booklet and Insurance Product Information Document (IPID)

Your ‘What You Need to Know’ is available in a paper format. Let us know if you’d like this posted to you.

Are you ready to continue?

Great. Let's carry on

Sure. You’ll need to tell us your email address and password in a moment so make sure you have them to hand.

Premier Insurance

Get an enhanced level of cover, and support from a dedicated team when you take out a Premier Insurance policy.

Common questions

Yes. All of our existing customers can get a 3 year fixed price policy by getting a replacement quote. We'll contact you by post near your renewal date and let you know how to obtain a quote with a 3 year fixed price.

If you want to get a replacement policy with a 3 year fixed price before your renewal you can do this and no cancellation fee applies to set up the replacement.

3 years fixed price - Terms & Conditions

After 3 years the premium will increase to reflect any changes to the costs associated with your policy, changes in market conditions or inflation rates.

3 years fixed price - terms & conditions(opens in a new window) apply.

No. You will have a pricing commitment from us for three years, but you're not tied to Royal Bank of Scotland for three years. You will still be invited to renew every year and can choose to not renew the policy if you wish. You can also cancel the policy at anytime outside of renewal, although an administration fee for cancellation will apply unless you are setting up a replacement NatWest home insurance policy. If you do cancel your policy at any time, the three year fixed price will end.

3 years fixed price - Terms & Conditions(opens in a new window) apply.

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