Royal Sun Alliance Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  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 Sun Alliance 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 Sun Alliance 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 Sun Alliance 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 Sun Alliance’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for Royal Sun Alliance

Safe ratingOur opinion
Customer service & satisfaction
and claims

24/7 home emergency helpline
Social media availability
The Upgraded Contents Cover provided has a 5 star rating from Moneyfacts
4,3/5 rating on Trustpilot
3 stars rating for both levels of cover on Defaqto

Cover provided for your home

Contents maximum sum insured of £100 000
There is an option to add extra protection to cover options
Cover is provided for valuable items like jewelry
Accidental cover is not provided as a standard
No cover for sewer pipe blockage, groundwater

Value for money

Contents insurance can be gotten from £45 a year
Access to More Than Rewards
No administrative fees (adjustments, payment default, cancellation) is charged
23,62% APR
NCD not available

Financial strength

The home insurance provided by RSA administered by More Than which is a part of the RSA Group (Tower insurance)

Technology

The website is user friendly and well detailed
Claims can be made online
Social media presence
No live chat option
No customer service login option

Safe rating for Royal Sun Alliance home insurance

Expert and customer satisfaction reviews for Royal Sun Alliance home insurance

Review organisationRoyal Sun Alliance home insurance reviews

Defaqto expert

Primary Cover: 3 stars
Upgraded Cover: 3 stars

TrustPilot4,3/5 based on 10,376 customers reviews
Overall Which? Score

64%

Consumer satisfaction rates on reviews for Royal Sun Alliance home insurance

Our general opinion on Royal Sun Alliance home insurance

RSA Insurance Group plc is a British multinational general insurance company that was founded in 1996. It has its head office in London, United Kingdom. RSA provides services like personal accident, motor, home shield, travel, fire, public and product liability, and fidelity guarantee insurance. Royal & Sun Alliance Insurance serves customers worldwide with more than 140 countries through a network of local partners and on their website, the Home Insurance option can be administered by either More Than or John Lewis Insurance Companies. For this review, More Than was chosen.

More Than is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their policies are underwritten by Royal & Sun Alliance Insurance plc. RSA Home Insurance cover which is administered by More Than provides 2 levels of cover which are the Primary Cover and Upgraded Cover. Both levels of covers have a 3 star rating on Defaqto.

For the primary cover option, a sum of £30 000 is given for alternative accommodation, while the upgraded cover offers a sum of £100 000, £1000000 is given for building insurance, trace access is only available on the upgraded cover, cover is not provided for flood storms, underground services.

For content insurance, £15000 is offered for alternative accommodation, Optional extras like home emergency, legal protection services are offered.

On the More Than website, claims can be taken out online, it makes the claims process faster and easier. The website can be easily navigated and information provided is well detailed. Their services are recommended as they have a high capacity to pay out claims and their claims process is easy.

What does Royal Sun Alliance 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 Sun Alliance 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 Sun Alliance 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 Sun Alliance buildings and contents insurance

Royal Sun Alliance 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.

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.

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 Sun Alliance building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£1 000 000

Alternative emergency accomodation

Primary Cover: £30 000
Upgraded building cover: 100 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5000 (upgraded building cover)

Burst pipe

As standard

Blockage of sewer pipe

Not covered

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

Not covered

Keys cover

£1 000

Flood and storm damage (except for fences)

Not covered

Royal Sun Alliance building insurance

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

£1 000 000

Owner liability

£1 000 000

Alternative emergency accomodation

£15 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£2 000 (optional)

Contents kept in outbuildings (garage included)

£100 000

Thefts from outbuildings

£3 000

Single item limit for valuables

£999

Items temporarily removed from home

£11 250 (optional)

Money in and outside the homeInside:

£500


Outside:

500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£500


Outside:

500 (under personal possessions cover – optional extra)

Business equipment kept at home

£7 500

Student equipment

11 250 (optional)

Keys cover

£1 000

Royal Sun Alliance contents insurance

Royal Sun Alliance home insurance additional cover

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

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Included as standard there is an option for higher form of protection to be added
  • £200 limit per call-out as standard / up to £1000 for the upgraded cover option
  • up to £1000 and 1 night emergency accommodation limit
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1,000 for boiler repair
  • Up to £500 provided for boiler replacement
Legal protection
  • Optional extra
  • Up to £50,000 for legal representation
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 £999 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £2,500 limit

Royal Sun Alliance 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£350
Excess for subsidence claims£1 000
Excess for personal possessions£50 – £500
Excess for keys£25
Royal Sun Alliance home insurance main excess

Royal Sun Alliance home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Royal Sun Alliance fees are as follows:

Fees applied to manage your Royal Sun Alliancehouse policy
Interests on payment installments23,62%
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£0
For payment default£0
To switch from one insurer to Royal Sun AllianceNot covered
Home insurance fees at Royal Sun Alliance

How much does Royal Sun Alliance home insurance cost?

You will below indicative quotes for building and contents insurance at Royal Sun Alliance:

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£152,57£299,36
Home insurance quotes at Royal Sun Alliance

It is very difficult to give a precise range of how much exactly will your home insurance cost at Royal Sun Alliance 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 Sun Alliance 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 Sun Alliance home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Royal Sun Alliance home insurance?

Claims can be made by either submitting the online form or calling the company’s claims service.

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 Sun Alliance home insurance?
Claim online

Claim form online

Claim by phone

0330 100 7783

How to claim on my home insurance at Royal Sun Alliance

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

How can I cancel Royal Sun Alliance house insurance?

To cancel your Royal Sun Alliance house insurance, here is what you need to know: 

Cancelling your home insurance at Royal Sun Alliance
Cancellation notice if Royal Sun Alliance cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by mail

MORE THAN Customer Relations Team
PO Box 255
Wymondham
NR18 8DP

Cancel by phone

0330 100 7783

How to cancel my Royal Sun Alliance home insurance

How to contact Royal Sun Alliance home insurance?

ServicesPhone numbersOpening hours
Claims / Customer service

0330 100 7783

Mon – Fri: 9am – 5pm

Home Emergency Helpline

0800 300 684

24/7

Legal Advice Line

0800 300 688

24/7

How to contact Royal Sun Alliance home insurance

Royal Sun Alliance home insurance contact details

Royal Sun Alliance contact details
Royal Sun Alliance address

RSA Insurance Group Plc
20 Fenchurch Street
London
EC3M 3AU
United Kingdom

Customer service email

Contact form available online.

Chatbot available

Not available

Royal Sun Alliance contact details

How do I log in to Royal Sun Alliance customer portal?

The Login option is not available however the "Existing customers" option can be used to access and modify an already existing account. it can be accessed here: Login

How do I get Royal Sun Alliance home insurance quotes? 

To get a quote online at Royal Sun Alliance, 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 Sun Alliance 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 Sun Alliance 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 Sun Alliance 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.