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Buildings and Contents Insurance

Combined cover for inside and outside your home

  • Rated Which? Best Buy 2023 for our Standard & Elite buildings insurance and Elite contents insurance.
  • 1 in 7 chance of winning back the cost of your annual home insurance premium if you take out a policy between January 16th and March 27th 2024. New policies, UK residents & over 18s only, policy must be active at time of draw, Terms apply. See how your data will be used in conjunction with this prize draw. 

Insure your home and be in with a 1 in 7 chance of winning back your annual premium

If you take out Royal Bank home insurance between 16th January and 27th March, you will be entered into a draw where you could win back the cost of your annual home insurance premium.

New policies, UK residents & over 18’s only, policy must be active at time of draw, T&Cs apply. See how your data will be used in conjunction with this prize draw. 

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 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.

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.

All okay? Start your quote

It could take you less than 5 minutes.

Please read this important information: What you need to know about Royal Bank of Scotland (PDF, 114KB) or request a paper copy before you get a quote.

 

Common questions

Something else we can help you with?