Competitively priced, remarkably flexible and simple to
arrange – Royal Bank home insurance is the ideal way to protect everything you value.
Your home, contents and even your personal possessions can all be insured under one
policy. Many extras are included as standard, providing you with wide-ranging protection.
Benefits
High standards of service
If you need to make a claim we'll take care of it as quickly as possible and without
any fuss, offering:
- simple telephone claim service
- claims handled speedily and fairly
- replacement goods delivered to your home where appropriate
- emergency window replacement service
A choice of building and / or contents cover
These are the events insured under this
- fire, smoke, lightning, explosion or earthquake
- theft
- storm or flood
- escape of water or oil
- collision
- riot or vandalism
- subsidence, heave or landslip
Wide ranging buildings insurance
We cover the cost of rebuilding your home in the event of, for example, a fire, storm
or flood. And it’s not just your house that’s covered, but other parts of your
property, such as garages. What’s more, every month free of charge, we will
automatically adjust the sum your buildings are insured for, so your policy stays in line
with rebuilding costs.
We cover you for the buildings of your home plus:
- walls, gates, fences, hedges, footpaths (except in the event of storm or flood damage)
- garages and outbuildings, eg: sheds
- permanent fixtures and fittings, eg: bathroom fittings, kitchen units, fitted wardrobes
Additional benefits include cover for:
- freezing or bursting of the plumbing installation
- accidental breakage of fixed glass and sanitary ware
- cost of alternative accommodation during necessary repairs to your home –up to 20%
of the sum insured
Extensive contents cover
With Royal Bank contents insurance you're covered for all your household goods
(including non-permanent fixtures and fittings, eg: carpets and curtains) plus personal
belongings and money in the home.
Additional benefits include
- accidental damage cover for televisions, stereos and home computers
- cover for freezer contents (up to £500)
- cost of replacing door locks if keys are stolen (up to £500)
- garden contents (up to £500)
- home office equipment (up to £5,000)
Personal possessions cover and bicycle cover are also available.
Optional accidental damage cover
To give you extra protection for those unexpected accidents to your home, why not
arrange optional accidental damage cover – you could find it very cost effective to
be protected against events like:
- damaging the ceiling when you're moving around in the loft
- spilling paint on brickwork or wallpaper
- melting a work surface with a hot pan
- drilling through a pipe in the wall
And for contents, accidental damage covers you for events such as:
- spilling red wine on the sofa
- dropping paint on the carpet
- accidentally breaking a valuable ornament
Optional personal possessions cover
You can extend your contents insurance to cover personal belongings such as
mobile phones,
sports equipment, cash and cameras for loss or damage away from your home and even when
you're abroad.
You'll also automatically benefit from Keycare cover, which pays for
replacing house and car locks and keys if they are lost or stolen and not recovered, plus
the cost of hiring a car if you are stranded (up to £1,000).
Bicycle Cover
Our standard contents insurance already provides cover for bicycles in the home but you
can choose to extend your Personal Possessions cover to protect them against accidental
loss or damage anywhere in the British Isles, and up to 60 days overseas (up to £500 for
each claim).
Optional family legal protection
For an extra premium you can be covered for up to £50,000 in fees and legal costs
– excellent value, if you ever need to take someone to court in any of the following
situations:
- pursuing claims for death or bodily injury
- pursuing claims for personal goods and services you have bought
- pursuing claims relating to the ownership or occupation of your main residence
- pursuing contract of employment claims at an industrial tribunal
- defending actions against you where you have privately sold personal goods
You also have access to a 24-hour legal helpline for free, confidential and expert
advice.
Inflation protection
We will ensure that your cover is automatically adjusted to ensure that you are not
disadvantaged as a result of inflation.
24-hour emergency helpline
Your policy includes a 24-hour helpline to arrange emergency work to be done by local,
qualified tradesmen, for example to repair burst pipes, blocked drains or roof damage. We
have negotiated competitive rates to keep bills low and if the cause of the damage is
covered under the policy, we will refund the costs (less any excess).
Interest free monthly instalments
Your home insurance premium can be paid by interest free monthly instalments (for
contents only policyholders, premiums must be in excess of £70 per year) allowing the
costs of protecting your home to be spread throughout the year.
A typical example of an annual premium of £258 would equate to 12 monthly payments of
£21.50 at rate of 0% APR.
You can also choose to pay for your premium in one lump sum, once a year by direct
debit or by debit or credit card.
Up to £25 to cover the cost of any transfer fee
If your home insurance is currently with your mortgage lender, and you’d like to
take out a Royal Bank home insurance policy, then we’ll even give you up to £25
towards any charge your current mortgage provider passes on to you for switching.
How to apply
If you would like a quotation for Royal Bank home insurance call 0800 051
14 50.
Lines are open 8am-8pm Monday-Friday and 9am-4pm on Saturday. Or visit one of our
branches and talk to a Customer Adviser.