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Buildings and Contents Insurance

Combined cover for
the inside and outside
of your home

Get a free gift when you take out a new policy

From the 3rd August, if you take out a new home insurance policy online by the 30th November, we'll give you a free gift. You can choose from either: 

  • A Nescafe Dolce Gusto Coffee Machine
  • An Ener-J Video Doorbell
  • JBL Wireless Earbuds
  • Four trees will be planted in UK cities or urban areas on your behalf

Find out more about these gifts here

Premier insurance policies are excluded from this offer.

T&Cs and exclusions apply

Why choose Building and Contents Insurance?

  • You could get a quote in less than five minutes.
  • This policy has been awarded the highest Defaqto rating.
  • You can choose between two levels of cover and add optional extras.
  • You can pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)
  • If your home is broken into or burgled, day or night, it'll be made secure. (Excludes the Isles of Scilly, Isle of Man and the Scottish and Channel Islands. Policy and Cover limits apply)

The details

Cover options

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

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

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 advice line. 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.

What to expect

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.

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 Insurance Product Information Document (IPID)

As we tackle climate change and move away from using paper we ask that you download and save documents to your device. 

The 'Insurance: Important Information About Us' document can be posted to you if you need it in a paper format.

We will share your personal details (i.e. policy start date and number, your name, postal and email addresses and contact telephone number) with our third party, Marketing Lounge Partnership (MLP) for the purpose of fulfilment of this offer. MLP will keep your details on record for 6 months. For full details of our Privacy policy click here.

All okay? Get your quote

It could take you less than 5 minutes.

Common questions

Something else we can help you with?