- Rated Which? Best Buy 2023 for our Standard & Elite Buildings insurance and Elite Contents insurance
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Contents Insurance
Insure the things that make a house your home
Royal Bank of Scotland 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. £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 OpenClose
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 OpenClose
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 OpenClose
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.
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.