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07 Jul 2023

Royal Bank of Scotland home insurance review

Find out how we rate RBS' home insurance policy against other providers

Dean SobersSenior researcher & writer

In this article

What does Royal Bank of Scotland offer?
Does Royal Bank of Scotland offer the best home insurance?
How good is Royal Bank of Scotland's home insurance policy?
How can you save money on Royal Bank of Scotland home insurance?
How can I claim?

What does Royal Bank of Scotland offer?

Royal Bank of Scotland offers a range of home insurance options. We've reviewed its standard 'Home Insurance' policy, and additionally its 'Elite' and 'Premier' cover, as well as its 'Renters Home Insurance'.

The standard 'Home insurance' policy covers lost and stolen keys, burst pipes and subsidence as standard. You can optionally add cover for legal protection, accidental damage, home emergency and personal possessions away from the home.

Established in Edinburgh in 1727, Royal Bank of Scotland is today one of the largest UK banks with 3.3m customers. It's part of the NatWest group. Complementing its savings products, loans and mortgages, RBS also sells home, travel, pet and life insurance.

Its home insurance is underwritten by UK Insurance - which is part of the Direct Line Group and underwrites Direct Line and Churchill, among other brands.

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Does Royal Bank of Scotland offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.

If you're not already a member, join Which? and get full access to these results and all our reviews.

We analyse and rate 21 aspects of buildings cover, 40 areas of contents cover, and 25 features applicable to both (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

How good is Royal Bank of Scotland's home insurance policy?

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.

How can you save money on Royal Bank of Scotland home insurance?

Royal Bank of Scotland doesn't sell home insurance on comparison websites, so you'll need to go to its website directly, call it, or visit one of its branches for a quote.

It's also in a minority of home insurers that offers a 'Switcher Fee' to those jumping ship from other providers. This is a contribution (up to £50) towards cancellation fees you're charged if you switch before renewal. The Switcher Fee is available with the standard, 'Elite' and 'Renters' policy - but not the 'Premier' policy.

It's one of a handful of providers that doesn't charge extra for paying in monthly instalments.

If you're already with Royal Bank of Scotland, it's worth calling up at renewal if you're not happy with the renewal offer. Consider trying these tips to haggle the premium down.