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Contents Insurance

Insure the things that
make a house 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 Contents Insurance?

 You could get a quote in less than five minutes.

This policy has been awarded the highest Defaqto rating.

Flexible levels of cover available and 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 everyday electrical items are stolen or damaged beyond repair, you can choose between a brand new replacement delivered direct to your door or receive an e-voucher for you to use straight away

(Renters Insurance will provide Grade A refurbishments on phone replacements. Cover limits apply. Delivery available to UK mainland only. Excludes jewellery)

The details

Cover options

Standard home insurance

The most popular product, offering flexibility to adjust to your needs. £50,000 cover. 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. £100,000 cover. For more information on what the policy covers, please read the Elite insurance product information document and policy document

Core cover

New for old

Replaced new for old, regardless of wear and tear.

Special events

The amount that your contents are insured for (‘sum insured’) will increase by 10% over Christmas.

Downloaded data

Digital content that you’ve paid for and downloaded onto your home computer or a mobile device is covered. Downloaded data has a limit of £1000.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, reasonable costs of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered.

Optional extras

Accidental damage

Covers the contents of your home against unintentional damage. This would be an optional extra for Standard insurance cover and included with Elite insurance cover

Contents away from home

Option to increase the amount that certain personal possessions you can wear or take outside the house (e.g. laptop, jewellery, bicycle) are insured for. 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

Family legal cover

Provides financial help towards 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

Options if you rent

Renters contents insurance

Insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden. For more information on what the policy covers, please read the Renters insurance product information document and policy document

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 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?