Tell me moreHome insurance
Apply online and get a further 20% discount in your first year
All our policies come with a range of benefits to give you a fully comprehensive package.
- Monthly payments at no extra charge - (0.0% APR typical, subject to credit agreement and eligibility, over 18s only)
- Up to £50,000 contents cover as standard
- Accidental damage cover for DVD players, TVs, hi-fi equipment and PCs
- Up to £25 paid towards any switching costs from your current provider
Get a home insurance quote
New customers get a 20% online discount when applying online. Enter promotional code 20off into the ‘Your Details’ page when getting a quote.
Discounts for new RBS home insurance customers
20% off combined buildings and contents cover
We’re offering all new customers 20% off combined buildings and contents policies in their first year.
The 20% discount applies to new customers in the first year and to combined buildings and contents policies only. The offer can be withdrawn at any time. Quotes are valid for 90 days.
Exclusive online discount
Apply online and get a further 20% discount in your first year. Enter promotional code 20off when getting a quote.
This offer applies to buildings, contents or combined policies in the first year only. Excludes optional home emergency cover and Family Legal Protection. Quotes are valid for 90 days. We reserve the right to withdraw this offer at any time.
Even more discounts
For Royalties Cheque and car insurance customers. (Monthly fees apply to Royalties Cheque accounts).
- Royalties Cheque members
Royalties Cheque members receive an additional 10% off in the first year bringing the total discount on our combined home insurance to 30%. The extra 10% discount also applies to buildings only and contents only policies.
Quotes are valid for 90 days.
A membership fee of £12.00 applies to Royalties Cheque accounts.
- Car insurance customers
If you're a car insurance customer you can receive a further loyalty discount of 10%. Get a quote online and then call us on 0800 051 5450 to claim your further car insurance customer discount. Minicom 0800 051 3030.
Exclusive RBS Customer Offer
If you’re an RBS International customer and currently have home insurance with another provider, we’re offering you a great discount. If our quote isn’t at least £25 cheaper than your current home insurance premium or renewal quote (from your existing provider) we will beat it by £25.
What's more, if you're a Royalties Cheque customer, we will Guarantee to Beat your renewal quote by at least £35.
A membership fee of £12.00 applies to Royalties Cheque accounts.
- How it Works
- Get a quote
- We will apply any discounts you are eligible for
- If your quote isn't already at least £25 (or £35 for Royalties Cheque customers) cheaper than your current premium or renewal quote for your existing provider, call our UK customer service team on 0800 051 5450.
This offer is available to existing RBS International customers who take out a policy. It applies to new home insurance customers in the first year only. Cover must be on a like for like basis and you must not have suffered a burglary in the last 12 months, nor made more than two claims in the last three years. Excludes Elite Home insurance. Available on all policies quoted by 31 October 2010. Quotes are valid for 90 days. You must provide proof of your existing provider's premium/renewal quote.
10% Car Insurance customer and 20% online discounts are applied consecutively to your individual premium. Excludes home emergency cover and Family Legal Protection.
| Standard cover | Elite cover | |
|---|---|---|
| Independent rating from Defaqto |  |  |
| Blanket contents cover | Up to £50,000 | Up to £100,000 |
| New for old cover |  (apart from clothing) | |
| Accidental damage cover for home entertainment equipment | | |
| Valuables single item limit | £2,000 | £3,000 |
| Freezer contents | £500 | Unlimited |
| Garden contents cover | £500 | £1,500 |
| Business equipment in your home | £5,000 | £10,000 |
| Money in the home | £300 | £1,000 |
| Credit card misuse | £500 | £5,000 |
| Matching items cover - replacement of undamaged items forming part of a matching set/suite when one item is lost or damaged & cannot be repaired/replaced | | |
| Sports equipment and membership fee cover if you can't use your sports club due to accidental injury | (£500 per claim) |
| Standard cover | Elite cover | |
|---|---|---|
| Independent rating from Defaqto | | |
| Blanket buildings cover | Up to £1,000,000 | Unlimited |
| Garages and outbuildings (including sheds) | (apart from clothing) | |
| Alternative accommodation | £25,000 | £35,000 |
| Burst or frozen plumbing in your home | | |
| Locks on outside doors | £1,000 | Unlimited |
| Accidental breakage of fixed glass and sanitary ware | | |
| Forced entry by emergency services | £1,000 | £2,000 |
| Up to £25 towards switching fees from your mortgage lender | | |
Royal Bank of Scotland Home Insurance is underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980. UK Insurance Limited is part of the Royal Bank of Scotland Group.
Written quotations are available on request from any branch.
All Royal Bank of Scotland insurance products are subject to acceptance of underwriting criteria.
Calls may be recorded.
Interest Free Monthly Instalments
Subject to eligibility. Credit is provided by the insurer and is subject to status. A written quotation is available on request. Typical example of an annual premium of £258 would equate to 12 monthly payments of £21.50 (0% APR typical)
back to topCustomer Care
How to Complain
Should there ever be an occasion when you need to complain, please call us on our priority number 0845 246 0452. If your complaint relates to a claim, contact your claims handler whose details will be shown in your claims documentation.
If you wish to write, then address your letter as follows:
Claims related complaints to - Customer Relations Department, Royal Bank Home Insurance, Cote Lane, Pudsey LS28 5GF.
All other complaints should be addressed to - Customer Relations Department, Royal Bank Home Insurance, PO Box 106, 37 Broad Street, Bristol BS99 7NQ.
If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone 0845 080 1800.
Choice of Law
Under European Law, You and We may choose which law will apply. English law will apply unless both parties agree otherwise.
Data Protection and Fraud Prevention
To meet the requirements of current data protection law, we have provided you with the information below. It tells you about the systems that we have in place to help us prevent and detect fraud. The savings we make by using these systems help us to keep down the cost of our premiums.
What we do with your information
Royal Bank of Scotland Home Insurance is underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980. UK Insurance Limited is part of the Royal Bank of Scotland Group.
In this notice "we", or "us" or "our" refers to UKI and RBSIS. The "Insurer" means UKI.
Under the Data Protection Act 1998, the Insurer and RBSIS are the data controllers in relation to data submitted to them.
This notice contains important information relating to the details that the Insurer and RBSIS are provided with. Anyone else whose details are submitted or who is to be covered under a policy issued should also read this notice.
Collection of information
Your privacy is important to us and we promise to respect your personal information and to do our best to ensure that your details are accurate and kept up to date.
"Personal Information" means any information obtained from you or from a third party in connection with a service or product provided to you by us. Information is collected lawfully and in accordance with the Data Protection Act 1998.
back to topUse of Personal Information
We will use your Personal Information to:
- confirm, update and improve our customer records;
- analyse and develop our relationship with you; and
- help in processing any applications you may make.
We may also need to disclose your Personal Information to other service providers for these purposes.
Your Personal Information and the information about your use of Royal Bank of Scotland Home Insurance may be used by us to inform you by letter or telephone about other products and services that may be of interest to you. Where applicable Prudential may also contact you by e-mail or other electronic means if you have provided your consent. If you prefer not to receive information about other products and service and have not yet informed us then please let us know next time you call. Alternatively, contact us at the address shown under "Further Information" in this notice.
The Insurer will use the Personal Information to manage and administer your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, regulatory authorities, or to its agents who provide services on our behalf.
The Insurer may also provide your mortgage lender with information about the sum insured under your home policy, together with details of when your cover begins and ends.
The Insurer is constantly striving to improve the quality of its service and the efficiency of its systems and so, from time to time, it may use the information provided to help it do this. It may also use Personal Information to assist in carrying out research relating to the services it offers.
We shall exchange your information between ourselves and our group companies for the purposes set out in this notice, but your Personal Information will only be disclosed to third parties if:
- it is necessary for the performance of your agreement with the Insurer;
- for fraud prevention purposes as set out below;
- if it is necessary in connection with producing and distributing marketing material or in arranging any market research programme;
- if you have given your consent; or
- if such disclosure is required or permitted by law.
Sensitive personal information
Some of the Personal Information required from you may be sensitive information (such as information about health or criminal convictions) about you and others named on the insurance policy. We will not use sensitive information about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents. You will have been asked to agree to this when you called but please ensure that you only provide sensitive information about other people with their agreement.
Dealing with other people
At the request of many of our customers and to make managing your insurance more convenient, it is our policy to deal with your spouse or partner who calls us on your behalf provided they are named on the policy. If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call and let us know.
If you are a joint applicant we may disclose your Personal Information to the other joint applicant.
Automatic renewals
If you take advantage of any automatic renewal service the Insurer may offer, it will retain your payment details securely on file in order to continue to collect your premium when your policy is renewed. Each year, the Insurer will write to you in advance to remind you that this is happening.
Fraud prevention and detection
Insurance fraud costs the industry millions of pounds each year and inevitably increases premiums. In order to prevent and detect fraud we may at any time:
- share information about you across companies within our group of companies, with other insurers and, where we are entitled to do so under the Data Protection Act, the police and other law enforcement agencies;
- pass your details to Insurance Hunter, a central insurance application and claims checking system, whereby it may be checked against information held by Insurance Hunter and shared with other insurers;
- check your details with fraud prevention agencies and, if you give us false or inaccurate information and we suspect fraud, we will record this with the fraud prevention agency; and
- We and other organisations may also use and search these records to:
- help make decisions about credit and credit related services for you and members of your household;
- help make decisions on motor, household, credit, life and other insurance proposals and claims for you and members of your household;
- trace debtors, recover debt, prevent fraud and to manage your insurance policies; and
- check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity;
- undertake credit searches and additional fraud searches.
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Limited. The aim is to help the Insurer to check information provided and also to prevent fraudulent claims. When the Insurer deals with your request for insurance we may search these registers. Under the conditions of your policy you must tell the Insurer about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell the Insurer about an incident, we may pass information relating to it to the registers.
Call monitoring and recording
We may record telephone calls in order to improve our service and to prevent and detect fraud.
Further Information
You are entitled on payment of a fee to receive a copy of the Personal Information we hold about you. This will be information we have been provided with during your policy. If you would like a copy of your Personal Information held by us in relation to this policy, please contact the Data Protection Officer, 3 Edridge Road, Croydon, Surrey CR9 1AG, quoting reference "RBS Home".
back to topPlease refer to the Policy Summary or policy document for the full policy wording.
Conditions apply.
