- Rated Which? Best Buy 2023 for our Standard & Elite Buildings insurance and Elite Contents insurance
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Buildings and Contents Insurance
Combined cover for inside and outside your home
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.
The details
Cover options OpenClose
Standard home insurance
The most popular product, offering flexibility to adjust to your needs. Up to £1m Building cover (the amount paid up to for the cost of repairs or rebuild of your home) following a valid claim. £50,000 (new for old) Contents cover (the total amount paid up to for repair or replacing affected contents). For more information on what the policy covers, please read the Standard insurance product information document and policy document.
Elite home insurance
All the benefits of Standard, with higher levels of cover. Unlimited Building cover (the amount paid up to for the cost of repairs or rebuild of your home) following a valid claim. £100,000 (new for old) Contents cover (the total amount paid up to for repair or replacing affected contents). For more information on what the policy covers, please read the Elite insurance product information document and policy document.
Core cover OpenClose
Building cover
You can claim towards the cost of repairing or rebuilding your home following a valid claim.
Contents cover
Replaced new for old, regardless of wear and tear following a valid claim.
Downloaded data
Digital content that you’ve paid for and downloaded onto your home computer, laptop or a mobile device is covered.
Special events
The amount that your contents are insured for (‘sum insured’) will increase by 10% for 30 days before and after certain special events.
Contents away from home
This covers certain personal possessions (e.g. laptop, jewellery, bicycle) that you can wear or you take outside the house.
Optional extras OpenClose
Accidental damage
Unintentional damage (such as DIY accidents) in parts of the building you’re responsible for will be paid. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Home emergency
You’ll get up to £500 towards call-out, labour and parts if there’s an emergency in your home. This would be an optional extra for both Standard and Elite insurance.
Legal protection
Provides financial help towards you and your dependents in certain legal disputes (if the claim has at least 50% chance of success) and access to a 24-hour confidential helpline. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Personal possessions
You can get cover for items taken outside your home eg. Laptops, jewellery, pedal cycles. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Switch your home insurance
When you switch to Royal Bank of Scotland home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.
Fill in your details
To give you an accurate quote, you'll need to fill in some personal details and information.
Tailor your policy
Select how much you want your buildings and 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.