Royal Bank of Scotland Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Royal Bank of Scotland car insurance.

You might already know that Royal Bank of Scotland offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Royal Bank of Scotland the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Royal Bank of Scotland car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Royal Bank of Scotland

Our ratingOur opinion
Customer service & satisfaction

24 Hour Emergency Windscreen Helpline
Policy informations are readily available and well detailed
1.6/5 based on 167 opinions

Cover provided

Courtesy car is provided based on availability with the Comprehensive cover
Personal belongings cover is provided on all covers
Unlimited cover is provided for audio equipments
Vans are not covered by this insurance policy, neither are cars for business use

Value for money

A 3 year repair guarantee is offered
Gift cards are given to customers who buy insurance policies via Internet Banking
Cashback vouchers are available

Financial strength for pay out

Strong financial capability

Technology

The website provides in depth knowledge as to the insurance extras offered
No live chat option
No implementation of either Black box or mobile app option

Safe rating for Royal Bank of Scotland

Expert and customer reviews on Royal Bank of Scotland

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Royal Bank of Scotland's reputation.

Review organisationConsumer satisfaction rates for Royal Bank of Scotland
Defaqto expert rating for Royal Bank of Scotland defaqto 5 stars
TrustPilot1,6/5 based on 167 opinions
Consumer satisfaction rates on reviews for Royal Bank of Scotland

To check if Royal Bank of Scotland is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on Royal Bank of Scotland car insurance policy

The wide range of cover services that Bank of Scotland provides makes it a very highly recommended services. All possible car insurance covers are provided by this company at customer friendly prices and with discounts. Also, the site is informative and can be easily navigated. There is a presence of a chatbot for easy and quick responses to questions asked by customers. Apart from the bad ratings received on TrustPilot, the company has a lot to offer and is recommended.

What does Royal Bank of Scotland car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Royal Bank of Scotland?

Car insurance policyAvailable at Royal Bank of ScotlandCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Royal Bank of Scotland

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Royal Bank of Scotland explained in details

Let's find out what does Royal Bank of Scotland covers in its car insurance policy.

Breakdown cover at Royal Bank of Scotland

Bank of Scotland’s Breakdown cover is provided by RAC and six different types of covers are provided. They are:

  • Roadside Assistance: the cover option is available for £29.99 pey ear and it provides cover for breakdowns that happen when the driver is a quarter mile away from home
  • Roadside & At Home: the cover option is available for £71.99 and it provides cover at the roadside and also at home
  • Roadside & Recovery: the cover option is available for £61.99 and it provides alternative means of transportation for the driver and passengers in the case of a breakdown.
  • Roadside, At Home & Recovery: the cover option is available for £81.99 and it is a combination of the first three covers listed
  • Roadside, At Home, Recovery & Onward Travel: the cover option is available for £91.99 and it includes hire car, alternative sources of transportation and hotel accommodation
  • Roadside, At Home, Recovery, Onward Travel and EU: the cover option is available for £142.99 and it provides breakdown cover in European countries.

Keycare cover at Royal Bank of Scotland

The Keycare cover option is offered for £9.49 and you’ll get the following are provided in the event that the driver loses his/her keys:

  • £1000 which includes locksmith charges and cost of repairs
  • Provision of car hire services for 3 days
  • 24/7 helpline service
  • A £10 for anyone who finds the keys.

Windscreen cover at Royal Bank of Scotland

Bank of Scotland would cover the costs of repairs and replacement for keys and locks in the case that an approved repairer is used. If this is not the case, a sum of £150 would be provided to cover the cost of repairs.

Motor legal protection at Royal Bank of Scotland

Bank of Scotland provides Motor Legal Protection Cover for £30.99 per annum. In the case that the accident was not the driver’s fault, the following are offered alongside the protection cover:

  • £100,000 to cover for legal expenses
  • compensation to cover for medical expenses for the driver
  • uninsured losses.

Personal policy injury available at Royal Bank of Scotland

Bank of Scotland provides a Personal Accident cover and this cover is only valid if the driver and his/her partner are involved in an accident in the insured vehicle and within 3 months, this accident results to:

  • death
  • permanent loss of use of limb
  • permanent loss of eyesight.
    £5,000 worth of Personal Accident cover is provided in these situations.

Coverage abroad at Royal Bank of Scotland

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 60 days. The list of countries includes:
Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Royal Bank of Scotland

  • The courtesy car option that Bank of Scotland offers is dependent of availability and it is provided for the duration of repair.
  • A small hatchback with a 1 litre capacity is provided.
  • This option is only available with on the Comprehensive car policy.

No-Claim Bonus (NCB) at Royal Bank of Scotland

The NCD Protection does not cover the overall price of your insurance policy. The price of the insurance policy may increase following an accident even if the driver was not at fault.

The no claims bonus is not affected if the claim falls under the windscreen claims or emergency treatment or if the claim wasn’t your fault.

At Royal Bank of Scotland, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Royal Bank of Scotland car insurance terms and conditions

How much does Royal Bank of Scotland car insurance cost?

You'll find below indicative car insurance quotes at Royal Bank of Scotland:

Drivers'ageMonthly premium
18 years old£108,62
40 years old £44,80
60 years old£33,03
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Royal Bank of Scotland insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Royal Bank of Scotland?

A cash back option is offered. Gift cards are also given.

Discount typesComment
Discounts£25 Amazon is given when a customer takes out a new insurance policy online.
Discounts and cashbacks available at Royal Bank of Scotland

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Royal Bank of Scotland car insurance policy summarized

Guarantees

At Royal Bank of Scotland
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1000
Personal belongings£100
Audio equipment

No

Medical expenses

£200

Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair

Coverage abroad

60 days

Guarantees at Royal Bank of Scotland

Excess

At Royal Bank of Scotland
Fire excesscost of damage is covered
Theft excesscost of damage is covered
Accidental damage excesscost of damage is covered
Windscreen replacement excessNo excess amount is required to make up for the unlimited services provided
Young driver excess

no

Excess at Royal Bank of Scotland

Admin fees

At Royal Bank of Scotland
Interest charged by payment installments

Variable

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period : not stated
Cancellation fees outside cooling off period : not stated

Modification fees

Adjustment fee: £0

Admin fees at Royal Bank of Scotland

Other car insurance policies available at Royal Bank of Scotland

How to contact Royal Bank of Scotland auto insurance?

Royal Bank of Scotland phone numbers 

You will find all important phone numbers to contact Royal Bank of Scotland car insurance:

Contact numberOpening hours

Customer Service

0330 018 4175

Mon-Fri: 8am-9pm
Sat & Bank Holidays: 9am-5pm
Sun: 10am-4pm

Claims

0330 0185561

24 hours a day, 7 days a week

Breakdown cover

0330 159 1978

24 hours a day, 7 days a week

Keycare Cover

0345 075 6187

24 hours a day, 7 days a week

Windscreen repairs

0330 0184 174

24 hours a day, 7 days a week

Contact numbers at Royal Bank of Scotland

Royal Bank of Scotland other contact details

You'll find below Royal Bank of Scotland main contact details:

Contact details of Royal Bank of Scotland
Email address

[email protected]

Customer account with Royal Bank of Scotland login

My account

Social mediaTwitter
ChatbotNo
Contact details at Royal Bank of Scotland

You can also contact them by mail by writing to Royal Bank of Scotland car insurance:

Bank of Scotland Car Insurance
Unit 25
Tresham Road
Orton Southgate
Peterborough
PE2 6BU

How to claim at Royal Bank of Scotland?

You can make a claim by calling the claims department at RBS.

ServiceCar claim
Claim by phone

0800 533 5265

Claim process at Royal Bank of Scotland

How to cancel your car insurance at Royal Bank of Scotland?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Royal Bank of Scotland as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Royal Bank of Scotland has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

Royal Bank of Scotland could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.