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Contents Insurance

Insure the things that make a house your home

Get a £25 e-voucher if you take out home insurance on-line

Choose a £25 e-voucher for 100+ retailers if you take out a new policy online, or renew your existing policy originally purchased online, by the 14th of November 2024*. T&Cs apply. One per household. Policy must remain active for 31 days.

*New policies purchased & renewal dates by 14/11

Underwritten by U K Insurance Limited. UK residents only.

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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 £1,000.

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 helpline. 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.

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?