Contents Insurance, Home Contents Insurance - Royal Bank of Scotland

House keys on a coat hook in a home

Contents Insurance

Fix your home contents insurance
price for three years

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Fixed price ends if we make a claim payment. Price may change if you amend your policy or Insurance Premium Tax changes. Excludes Premier Insurance.

Underwritten by U K Insurance Limited

Important documents to read and save/print before applying:
How we use your informationLegal information and our What you need to know (PDF, 60KB)

A paper copy of the What you need to know is available by calling 0800 182 2311 (Quotes are not available on this line). Lines are open Mon-Fri 8am to 8pm and Sat 9am to 4pm.

If you would like a quote, please select ‘Get a quote’.

If you have any questions about your existing policy, please contact the telephone numbers shown on your policy documents.

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.

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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. 

5 star defaqto rating

For full details of cover, any limitations and significant exclusions, please view the policy booklet and Insurance Product Information Document (IPID) 

Compare our contents insurance cover options

Renters Contents Insurance

Cover designed for rental tenants

 

Get a quote

Standard Home Insurance

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

Get a quote

Elite Home Insurance

All the benefits of Standard, with higher levels of cover 

Get a quote
Contents Insurance (the total amount we will pay up to for repair or replacing affected contents.)

up to £25,000 cover

£50,000 cover

£100,000 cover

New for old replacement

Included

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

Included

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

Included

New for old replaced without any deductions for wear and tear (contents cover only). Plus matching items as standard

Alternative accommodation cover (whilst insured repairs are carried out if your home is unfit to live in)

Up to 20% of contents sum insured

A valid claim has to be made
 

Up to £25,000 with Buildings cover.

Up to £15,000 with Contents cover

A valid claim has to be made
 

Up to £50,000 with Buildings cover.

Up to £30,000 with Contents cover.

A valid claim has to be made
 

Interest-free monthly payments

Included

Credit facilities – over 18s only. (Representative 0.0% APR). Subject to eligibility and credit agreement. Monthly payments are only available on premiums above £70.

Included

Credit facilities – over 18s only. (Representative 0.0% APR). Subject to eligibility and credit agreement. Monthly payments are only available on premiums above £70.

Included

Credit facilities – over 18s only. (Representative 0.0% APR). Subject to eligibility and credit agreement. Monthly payments are only available on premiums above £70.

Accidental damage to your contents

Optional

Optional

Included

Legal protection (legal costs cover for certain types of legal disputes – see policy booklets for details)

Optional:

(up to £100,000)

The claim has to have a better than 50% chance of success.  

Optional:

(up to £100,000)

The claim has to have a better than 50% chance of success.  

Included

 (up to £100,000)

The claim has to have a better than 50% chance of success.  

Personal possessions taken outside your home e.g. Laptops, jewellery and pedal cycles

Optional:

Up to £2,500

Single item limit £1,000 (except bicycles).

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.
 

Optional:

Up to £9,999

Single item limit £2,000 (except bicycles)

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.

Included

Up to £9,999

Single item limit £4,000 (except bicycles)

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.
 

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.
 

Need higher levels of cover? Take a look at Premier home insurance

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