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Buildings insurance

Peace of mind
for homeowners

Why choose buildings insurance?

The details

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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 available only online, alternative options are available in branch.

Why choose building 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 you can't stay in your home following severe damage, we'll work quickly to get you and your family into safe and secure accommodation (Home must be uninhabitable following an insured event. Terms and Cover limits apply)

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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. 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. For more information on what the policy covers, please read the Elite insurance product information document and policy document.

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Building cover

You can claim towards the cost of repairing or rebuilding your home following an insured event.

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.

Trace and access

You’re covered if part of your building needs to be removed and replaced to locate the exact source of a water leak from tanks, pipes, appliances or a fixed heating system in your building.

Lock replacement

You can claim reasonable costs of replacing and fitting new locks to external doors if your keys are lost or stolen.

Emergency entries

This covers the cost of repairing any damaged caused to your building by the emergencies if they need to make a forced entry.

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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

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.

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.

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 building 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.

Peace of mind
for homeowners

Why choose building insurance?