Renters insurance

Contents
cover for people
who rent

Why choose Renters Insurance?

You could get a quote in less than five minutes

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

You can tailor your policy with optional add-ons and choose how much your contents are insured for (from five values).

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

Core cover

Sum insured (how much your contents are insured for)

Insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden.

Contents

No deductions for wear and tear. We will replace new for old. We will replace or repair items or parts, or pay you the amount it would’ve cost to replace or repair an item or part using our own supplier.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, the cost of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered for up to 20% of your ‘sum insured’.

Downloaded content

Claim up to £1000 to replace content you’ve paid for and downloaded onto your home computer, laptop, mobile phone or any other portable device.

Money in your home

Lost or stolen cash, cheques and vouchers are covered up to £500.

Optional extras

Accidental damage

This covers your possessions if they’re damaged suddenly, unexpectedly and unintentionally when they’re in your home.

Personal possessions cover (outside your home)

You’re covered for up to £2,500 for accidental loss or damage to any possessions you wear or carry with you (e.g. jewelry, mobile phone, bicycle) when you’re out and about. It’s valid when you’re in the British Isles, when you’re overseas for a total of up to 60 days in any one policy year, and can cover your possessions in a bank or safe deposit box.

Legal protection

This covers any legal expenses you incur and the costs of your defence if any legal action is taken against you up to £100,000. It doesn’t include disputes about rent or tenancy renewal but it does include disputes about your tenancy agreement.

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 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.

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.

Something else we can help you with?