Royal Bank of Scotland Home Insurance

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Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Unlimited£100,000

Existing customers only

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Compare - Home and Contents Insurance Quotes
Provided via:Total Number of InsurersContents InsuranceBuilding InsuranceLandlord & Tenant InsuranceGet Quotes
40+YesYesYesGet Quotes >

Is Royal Bank of Scotland home insurance right for you?

There are two kinds of home insurance: buildings and contents. Buildings insurance will cover the structure of your home, usually including the walls, roof, floors, doors and windows, so you could be eligible to make a claim if damage occurs to any of these.

 

Buildings insurance also includes permanent fixtures, such as bathroom suites, kitchen units and in-built wardrobes, as well as outbuildings like garages, sheds and greenhouses.

 

Contents insurance will cover the things that aren’t part of the structure of your home, usually including: Furniture, electronics, jewellery, freezer contents, carpets and curtains, and clothing. However, it does not cover wear and tear, intentional or accidental damage or damage caused by your pets.

 

Choosing an RBS home insurance policy

RBS offer three levels of home insurance: Essentials, Standard and Elite. This offer great cover at a range of price points to suit different needs and budgets.

 

RBS offer the following all of their policies:

  • A ‘no change to your premium’ incentive which fixes your premiums for 3 years
  • A 24/7 helpline, 365 days a year
  • Interest free monthly payments

 

Essentials Contents Insurance

Great option for people who really need the bare minimum of coverage at an affordable price. Ideal for renters.

  • This branch of insurance is suited to tenants and students.
  • Up to £14,000 of cover for your possessions
  • Loaned college material is covered up to £500 if lost or stolen, books are covered up to £200
  • You can top up your policy to include laptops, phones, bikes etc.
  • New for old replacement

 

Standard Home Insurance

A well-balanced policy aimed at homeowners which includes both buildings and contents insurance.

  • Buildings cover up to £1,000,000
  • Contents are covered up to £50,000
  • New for old replacement
  • Alternative accommodation cover up to £25,000 with buildings cover and up to £15,000 with contents cover
  • Accidental damage is included
  • Optional possessions cover and legal cover

 

Elite Home Insurance

A more comprehensive policy offering the very best cover for those looking for a little extra protection.

  • Unlimited cover for buildings
  • Contents are covered up to £100,000
  • New for old replacement and matching items replacement cover
  • Alternative accommodation up to £50,000 with buildings cover and up to £30,000 with contents cover
  • Accidental damage cover included
  • Family legal protection included up to £100,00
  • Personal possessions cover for items taken out of the home included

 

Applying for Royal Bank of Scotland home insurance

To speed up the process when applying for a home insurance policy with RBS, it is a good idea to have the following information to hand:

  • The age of the property
  • Whether or not it’s a listed building – this could affect the kind of policy you need to take out
  • The type of property. For example, a bungalow, town house, maisonette or semi-detached house etc.
  • Whether you’re renting or own the property
  • Whether the property is used for business?
  • Who is living there, whether it’s just you and your family, or anyone else?