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Buildings and Contents Insurance

Combined cover for
the inside and outside
of your home

Why choose buildings and contents insurance?

The details

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Next steps

Premier Insurance

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Royal Bank of Scotland home 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.

Please note this product is only available online, alternative options are available in branch.

Cover options OpenClose

Standard home insurance

Our most popular product, offering flexibility to adjust to your needs. Up to £1m Building cover (the amount we will pay 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 we will pay 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 we will pay 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 we will pay 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 OpenClose

Building cover

You can claim towards the cost of repairing or rebuilding your home following a valid claim.

Contents cover

We’ll replace 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

We’ll increase the amount your contents are insured for (‘sum insured’) 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 OpenClose

Accidental damage

We’ll pay for unintentional damage (such as DIY accidents) in parts of the building you’re responsible 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

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 to us

When you switch your home insurance to us, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out one of our policies, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within 7 to 10 working days.

What to expect

Fill in your details

To give you an accurate quote, we’ll ask you for some personal details and information.

Tailor your policy

Tell us 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)

Your ‘What You Need to Know’ is available in a paper format. Let us know if you’d like this posted to you.

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Premier Insurance

Get an enhanced level of cover, and support from a dedicated team when you take out a Premier Insurance policy.

Combined cover for
the inside and outside
of your home