Royal Bank of Scotland Home Insurance Review and Quotes

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Alexandre Desoutter updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?

Are you wondering if Royal Bank of Scotland is the best home insurance company to protect your house?

You’ve come to the right place.

This ultimate and up-to-date review on Royal Bank of Scotland home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Royal Bank of Scotland the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Royal Bank of Scotland's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,1 Safe overall rating for Royal Bank of Scotland

Safe ratingOur opinion
Customer service & satisfaction
and claims

3 levels of cover all rated 5 stars by Defaqto
Detailed FAQs
Poor customer reviews on Trsutpilot

Cover provided for your home

Up to £100 000 of maximum sum insured for contents insurance
Up to £100K for contents in outbuildings
 10% extra cover for 30 days before and after certain special events with Contents insurance
Compensation limits for building insurance are average

Value for money

No adjusment fees
Discounts for buying combined policy
NCD not available

Financial strength

Part of the RBS group (Royak Bank of Scotland and Ulster Bank)
Home insurance underwritten by U K Insurance Limited

Technology

RBS help available through Twitter
Customer portal available
Royal Bank of Scotland app available

Safe rating for Royal Bank of Scotland home insurance

Expert and customer satisfaction reviews for Royal Bank of Scotland home insurance

Review organisationRoyal Bank of Scotland home insurance reviews

Defaqto expert

Elite: 5 stars
Home: 5 stars
Premier: 5 stars

Trustpilot1,4/5 based on 395 customers reviews
Which? Score

70% for building insurance
64% for contents insurance

Consumer satisfaction rates on reviews for Royal Bank of Scotland home insurance

Our general opinion on Royal Bank of Scotland home insurance

The Royal Bank of Scotland is one of the leading insurance provider in the UK. The company is part of the RBS group (NatWest, Ulster Bank) and the home insurance is underwritten by U K Insurance Ltd.

The standard building insurance policy at RBS provides interesting cover. The unoccupancy period cover is 60 days. However, you can only insure up to £1M value and you will only get up to £25K for alternative accommodation cover.

The contents insurance is particularly interesting for contents in outbuildings (up to £100K).

What does Royal Bank of Scotland home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones?

Applying for home insurance at Royal Bank of Scotland will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.

Home insurance at Royal Bank of Scotland covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Royal Bank of Scotland buildings and contents insurance

Royal Bank of Scotland provides three main types of household insurance:

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

Good to know

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

Good to know

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Royal Bank of Scotland building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£25 000

Period of home's unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

As standard

Subsidence

As standard

Underground services

As standard

Keys cover

Up to £1 000 000

Flood and storm damage (except for fences)

As standard

Royal Bank of Scotland building insurance

Good to know

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£100 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home's unoccupancy cover

60 days

Damage made by pets

Available as extra

Contents kept in garden

£1 000

Contents kept in outbuildings (garage included)

£100 000

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 000

Items temporarily removed from home

£5 000

Money in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover - optional extra)

Credit cards in and outside the homeInside:

Not covered


Outside:

Not covered

Business equipment kept at home

£5 000

Student equipment

£5 000

Keys cover

Up to £1 000 000

Royal Bank of Scotland contents insurance

Royal Bank of Scotland home insurance additional cover

On top of your Royal Bank of Scotland buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £250 for emergency accommodation - 1 night
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Up to £250 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover at home
  • Up to £10 000 for single item limit away from home
  • Up to £1 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £2 000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £10 000 limit

Royal Bank of Scotland home insurance excess

The deductible you'll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£50 - £500
Excess for escape water claims£450
Excess for subsidence claims£1 000
Excess for personal possessions£50 - £500
Excess for keys£50 - £500
Royal Bank of Scotland home insurance main excess

Royal Bank of Scotland home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Royal Bank of Scotland fees are as follows:

Fees applied to manage your Royal Bank of Scotlandhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£27
For payment default£0
To switch from one insurer to Royal Bank of Scotland£50 - £100
Home insurance fees at Royal Bank of Scotland

How much does Royal Bank of Scotland home insurance cost?

You will below indicative quotes for building and contents insurance at Royal Bank of Scotland:

Building insuranceContents insurance
Excess£50 - £500£50 - £500
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£168,97£331,55
Home insurance quotes at Royal Bank of Scotland

It is very difficult to give a precise range of how much exactly will your home insurance cost at Royal Bank of Scotland as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Royal Bank of Scotland will establish a risk rate, taking into account all these elements, and offer you a price based on it.

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Royal Bank of Scotland home insurance discounts available

  • Discount for buying combined policy
  • £75 voucher if you buy at the same time a life insurance at AIG.

How do I a claim on Royal Bank of Scotland home insurance?

You need to call the Royal Bank of Scotland Insurance Team to make a claim.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Royal Bank of Scotland home insurance?
Claim by phone

0345 246 0452

How to claim on my home insurance at Royal Bank of Scotland

Good to know

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Royal Bank of Scotland house insurance?

To cancel your Royal Bank of Scotland house insurance, here is what you need to know:

Cancelling your home insurance at Royal Bank of Scotland
Cancellation notice if Royal Bank of Scotland cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £27
Cancel by phone

You can cancel your policy or change beneficiary at any time by calling RBS at 1-800-845-9750.

How to cancel my Royal Bank of Scotland home insurance

How to contact Royal Bank of Scotland home insurance?

ServicesPhone numbersOpening hours
Claims

0345 246 0452
(Relay UK: 18001 0345 246 0452)

Mon - Fri: 8am – 6pm
Sat: 9am – 2pm

Emergency helpline

0345 878 5069
(Relay UK: 18001 0345 878 5069)

Mon - Fri: 8am – 6pm
Sat: 9am – 2pm

Renewals

0345 246 0452
(Relay UK: 18001 0345 246 0452)

Monday to Friday 8am-7pm
Saturday 9am-5pm

Other queries

0345 246 0452

Monday to Friday 8am-7pm
Saturday 9am-5pm

How to contact Royal Bank of Scotland home insurance

Royal Bank of Scotland home insurance contact details

Royal Bank of Scotland contact details
Royal Bank of Scotland address

RBS
36 St Andrew Square, Edinburgh, United Kingdom, EH2 2YB.

Customer service email

Not available

Chatbot available

Digital Assistant available

Royal Bank of Scotland contact details

How do I log in to Royal Bank of Scotland customer portal?

Not available for home insurance

How do I get Royal Bank of Scotland home insurance quotes?

To get a quote online at Royal Bank of Scotland, it couldn’t be simpler.

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Royal Bank of Scotland is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Royal Bank of Scotland home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Royal Bank of Scotland house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.
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Alexandre Desoutter
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Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms.

As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.