Tell me moreInsurance options
Useful Information
Home Insurance
Insurance options
- Contents cover up to £100,000 available on Elite cover.
- Unlimited Buildings cover available on Elite cover.
- Accidental damage cover – for DVD players, TVS, hi-fi equipment and PCs.
- New customers - Apply online and get a 20% first year discount – Quote promotional code 20OFF. Quotes are valid for 90 days.
Home insurance discounts exclude Private Insurance, optional home emergency cover and family legal protection.
With RBS Home insurance you can enjoy a wide range of benefits and a choice of Standard or Elite cover.
Standard home insurance
- Contents cover up to £50,000 and £1m Buildings cover
Elite home insurance
- Contents cover up to £100,000 and Unlimited Buildings cover
More discounts available
- 20% discount on combined buildings & contents cover for new customers in the first year.
- Plus discounts available for Select Silver, Royalties, Royalties Gold , Black Account and Royalties Private Account customers.
20% off combined buildings and contents cover
- New home insurance customers get 20% off combined buildings and contents policies in the first year.
If more then one discount applies than these will be deducted consecutively from your individual premium.
Select Silver, Royalties, Royalties Gold, Black Account and Royalties Private Accounts
- Select Silver, Royalties, Royalties Gold, Black Account and Royalties Private Account members receive an additional 10% off in the first year only.
- Includes buildings and contents policies as well as combined policies.
A monthly membership fee of £8 applies to Select Silver Account, £6.95 applies to Royalties, £12.95 applies to Royalties Gold account, £24 applies to Black Account and £18.00 to Royalties Private.
Car insurance customers
- Existing RBS car insurance customer get a further 10% discount in the first year.
If more then one discount applies than these will be deducted consecutively from your individual premium.
All quotes valid for 90 days
If you’re an RBS customer and currently have home insurance with another provider, we’re offering you a great discount. If your quote isn’t at least £25 cheaper than your current home insurance premium or renewal quote from your existing provider we will beat it by £25.
What's more, if you're a Select Silver, Royalties, Royalties Gold, Black Account and Royalties Private Account member, we will Guarantee to Beat your renewal quote by at least £35.
A monthly membership fee of £8 applies to Select Silver Account, £6.95 applies to Royalties, £12.95 applies to Royalties Gold account, £24 applies to Black Account and £18.00 to Royalties Private.
How it Works
- Get a quote
- We will apply any loyalty discounts you are eligible for
- If your quote isn't already at least £25 (or £35 for Select Silver, Royalties, Royalties Gold, Black Account and Royalties Private Accounts members) cheaper than your current premium or renewal quote for your existing provider, call our UK customer service team on 0800 051 1450
This offer is available to existing RBS customers who take out a policy. Applies to new home insurance customers in the first year only. Cover must be on a like for like basis and you must not have suffered a burglary in the last 12 months, nor made more than two claims in the last three years. Excludes Elite, Essentials, Private, Buy to let Home insurance and existing RBS Home insurance customers. This offer can be withdrawn at any time. Quotes are valid for 90 days. You must provide proof of your existing provider's premium/renewal quote.
| Standard cover | Elite cover | |
|---|---|---|
| Independent rating from Defaqto |  |  |
| Contents sum insured | Up to £50,000 | Up to £100,000 |
| New for old cover |  (apart from clothing) | |
| Accidental damage cover for home entertainment | | |
| Valuables single item limit | £2,000 | £3,000 |
| Freezer contents | £500 | Unlimited |
| Garden contents cover | £500 | £1,500 |
| Business equipment in your home | £5,000 | £10,000 |
| Money in the home | £300 | £1,000 |
| Credit card misuse | £500 | £5,000 |
| Matching items cover (we will make sure that any items damaged are replaced with matching items, i.e. sofa's, bathroom ware) | | |
| Sports equipment and membership fee cover if you can't use your fitness club due to accidental injury | (£500 per claim) |
| Standard cover | Elite cover | |
|---|---|---|
| Independent rating from Defaqto | | |
| Buildings sum insured | Up to £1,000,000 | Unlimited |
| Garages and outbuildings (including sheds) | (apart from clothing) | |
| Alternative accommodation | £25,000 | £35,000 |
| Burst or frozen plumbing in your home | | |
| Locks on outside doors | £1,000 | Unlimited |
| Accidental breakage of fixed glass and ceramic sanitary ware | | |
| Forced entry by emergency services | £1,000 | £2,000 |
| Up to £25 towards switching fees from your mortgage lender | | |
