Peace of mind for homeowners
Royal Bank of Scotland home insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810.
Why choose building 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 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. Excludes Premier Insurance.Quotes are valid for 90 days. Underwriting criteria apply.
Cover options OpenClose
Standard home insurance
Elite home insurance
Core cover OpenClose
Trace and access
Optional extras OpenClose
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
Get or retrieve a quote
Would you like to...
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.