Royal Bank of Scotland home insurance review

Royal Bank of Scotland home insurance overview

Part of the RBS Group, which also includes NatWest and Ulster Bank, the Royal Bank of Scotland's home insurance policies are underwritten by U K Insurance Ltd.

• Read our reviews of all the insurers who took part in our home insurance analysis

Does Royal Bank of Scotland offer the best home insurance?

Here's how Royal Bank of Scotland scored in our latest home insurance survey:

Home And Mobile Insurance

Royal Bank of Scotland review

Overall Which? score

%

Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.

Which? Customer Score

%

Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Buildings policy score

%

Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.

Contents policy score

%

Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.

Members can read full review. Not a member yet?

Get started

Already a member? Log in

First month only £5, then £9.99 per month, cancel any time.

× Become a member to see more scores

• Unlock more money saving tips.
• Get access to new money reviews
• See the best mortgages available to you

Get started

Already a member? Log in

£5 for first month then £9.99/month unless cancelled

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

Royal Bank of Scotland's Home insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Royal Bank of Scotland's Home insurance rated

Buildings coverContents coverAdditional coverExcesses & no claims discount (NCD)Payment, fees and admin

Weighting	Policy element	Details	Rating
Most important	Maximum sum insured (£)
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Most important	Repairs guarantee
Other	Unoccupancy period
Most important	Trace and access  (£)
Most important	Burst pipes - included?
Most important	Blockage of sewer pipe - included?
Secondary	Gradual build-up of groundwater - included?
Secondary	Subsidence - included?
Secondary	Damage to underground services - included?
Secondary	Flood and storm damage - included?
Secondary	Flood and storm damage to outbuildings - included?
Secondary	Storm damage to fences - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Rating
Most important	Maximum sum insured (£)
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Other	Unoccupancy period
Other	Matching sets cover - included?
Other	Damage by domestic pets covered?
Most important	Single item limit for valuables - max limit (£)
Most important	Contents in the open - within home boundary i.e. garden (£)
Most important	Contents in outbuildings - including garages (£)
Most important	Theft from outbuildings (£)
Secondary	Gradual build-up of groundwater - included?
Other	Garden cover - included?
Other	Garden contents cover - plants (£)
Secondary	Money in the home (£)
Secondary	Money away from the home (£)
Secondary	Credit cards in the home (£)
Secondary	Credit cards away from the home (£)
Secondary	Digital information in the home (£)
Secondary	Items temporarily removed from home (£)
Other	Business / Office equipment (£)
Other	Freezer contents (£)
Other	Guests belongings (£)
Other	Student contents (£)
Other	Nursing home contents (£)
Other	Moving house cover  - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

 

Weighting	Policy element	Details	Rating	Area covered
Most important	Accidental damage cover - included?			Buildings and contents
Most important	Home emergency cover - included?			Buildings and contents
Secondary	Home emergency - limit per call-out (£)			Buildings and contents
Other	Home emergency - emergency accommodation			Buildings and contents
Most important	Boiler cover - included?			Buildings and contents
Secondary	Boiler repair (£)			Buildings and contents
Secondary	Boiler replacement (£)			Buildings and contents
Other	Boiler covered if not annually serviced?			Buildings and contents
Secondary	Legal expenses cover - included?			Buildings and contents
Secondary	Legal expenses cover (£)			Buildings and contents
Most important	Personal possessions cover - included?			Contents
Most important	Personal possessions cover - maximum sum insured (£)			Contents
Most important	Personal possessions away from home - single item limit (£)			Contents
Most important	Personal Possessions limit within a car (£)			Contents
Most important	Mobile phones (away from home) - included?			Contents
Secondary	Mobile phones away from home (£)			Contents
Other	Unspecified bicycles away from home - included?			Contents
Other	Specified bicycle away from home (£)			Contents

Weighting	Policy element	Details	Rating	Area covered
Most important	Standard level of excess			Buildings
Most important	Standard level of excess			Contents
Most important	Escape of Water excess			Buildings
Most important	Escape of Water excess			Contents
Secondary	Subsidence excess			Buildings
Secondary	Personal possessions excess			Contents
Secondary	Replacement locks and keys excess			Buildings and contents
Most important	Is NCD offered?			Buildings and contents
Other	NCD protection - included?			Buildings and contents
Other	NCD protection claims (number per year)			Buildings and contents

Weighting	Policy element	Details	Rating	Area covered
Most important	Interest charged on payment by instalments (APR)			Buildings and contents
Most important	Renewal Fee			Buildings and contents
Secondary	Adjustment Fee			Buildings and contents
Secondary	Duplicate Documents Fee			Buildings and contents
Secondary	Cancellation fee within cooling off period			Buildings and contents
Secondary	Cancellation fee after cooling off period			Buildings and contents
Secondary	Payment Default Fee			Buildings and contents
Other	Emergency helpline			Buildings and contents
Other	Claims helpline			Buildings and contents
Other	Legal advice helpline			Buildings and contents
Other	Discount for buying buildings and contents insurance?			Buildings and contents
Secondary	Insurer pays switching fees			Buildings and contents
Other	Notice if insurer cancels			Buildings and contents

Table last updated in March 2020. Next update in February 2021.

Does Royal Bank of Scotland offer different levels of cover?

Royal Bank of Scotland also offers Premier home insurance, which features a higher level of cover and is likely to cost a bit more.

What is Royal Bank of Scotland's claims number?

You can make a home insurance claim with Royal Bank of Scotland by calling 0345 246 0452.

It suggests you have your insurance policy reference number ready to make the process a little quicker.

Find out more about claiming successfully in our guide to making a home insurance claim.

Get top money-saving tips from Which?

Sign up to the Which? Money Weekly newsletter to get our latest news, tips and deals straight to your inbox.