Insurance Legal


Insurance options

No Claims Discounts may not be applicable to all products.

We may record and monitor telephone calls. Hearing or speech impaired customers can contact us on textphone 0800 051 3030. Mobile telephone call charges may apply.

Please note there are certain circumstances where a quote and/or cover cannot be provided.

*There is a £12 service charge for paying your premium by monthly Direct Debit

Royal Bank of Scotland business insurance has been specially negotiated and arranged through Royal Bank of Scotland Insurance Services which acts as an insurance intermediary for a number of insurers under the Association of British Insurers Code of Practice.

Income Protection

The Income Protection Plan is administered by Norwich Union Healthcare Limited, Chilworth House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3RY. Registered in England number 2464270. Registered Office 8 Surrey Street, Norwich, NR1 3NG.

The insurance is underwritten by Norwich Union Life and Pensions Limited. Registered in England number 3253947. Registered Office 2 Rougier Street, York, YO90 1UU.

Members of the Association of British Insurers. Members of the Financial Ombudsman Service. Authorised and regulated by the Financial Services Authority.

Up to 30% discount on your home insurance

Savings based on a typical standard rate annual contents premium of £222, less 10% discount if you have a Royal Bank car insurance product (£22.20) giving a net premium of £199.80. Less 10% discount if you are a Royalties Gold customer (£19.98), then a further 7.5% discount (£13.49) if you have a NACOSS approved alarm system. A 2.5% discount (£4.16) applies if you are a member of a Neighbourhood Watch Scheme, and a further 5% discount (£8.11) if you have approved locks and bolts fitted. Total premium £154.06. Total discount = £67.94 which is approximately 30% off the original premium.

Interest Free Monthly Instalments

Subject to status. Credit is provided by the insurer and is subject to status. A written quotation is available on request. Typical example of an annual premium of £258 would equate to 12 monthly payments of £21.50 (0% APR)

Royal Bank of Scotland Home Insurance is underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980. Breakdown assistance is provided through the Green Flag Group. All are members of the Royal Bank of Scotland Group.

Royal Bank of Scotland Car Insurance and Green Flag Motoring Assistance are underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980. Motoring Assistance is provided through the Green Flag Group. All are members of the Royal Bank of Scotland Group.

The Term Assurance Plan is provided by Royal Scottish Assurance plc, the life assurance, pensions and investment company of The Royal Bank of Scotland plc.

The Critical Illness Plan is provided by Royal Scottish Assurance plc, the life assurance, pensions and investment company of The Royal Bank of Scotland plc.

All Royal Bank of Scotland insurance products are subject to acceptance of underwriting criteria. Conditions apply.

Calls may be recorded.