Home insurance with no hidden fees
With no admin fees for paying monthly, changing your policy or even cancelling it, Clydesdale Bank Home Insurance is trustworthy and transparent.
Coronavirus support for home insurance customers
If you're worried about the impact of coronavirus on your home insurance - or what it might mean for you financially - we're here to help.
It’s easy for other providers to shout about their discounts and short-term deals. But our home cover has substance as well as style - there are no hidden costs lurking around the corner.
You can personalise your cover so you know the important things are insured properly. We offer optional extras and you only pay for what you need. Don’t have a garden? Don’t fork out for the cover. It’s that simple.
- No extra charge for paying by monthly direct debit.
- No admin fees. Unlike some other insurers, if you make a change to your policy or cancel, we won’t sting you for it.
- Straight-up cover – you only pay for what you need.
- 10% discount for new home insurance customers.
- Up to 4 years no claims discount*
- If you qualify for both the new customer and no claims discount, the new customer discount will be applied to the original quote first and the no claims discount then applied to the discounted total.[2] Link to footnote
- Core cover for buildings up to £400,000 as standard, contents up to £50,000 as standard – or choose both.
Join the nine out of ten customers who choose to renew with us year in, year out[1] Link to footnote
* Discount varies by number of years claim free. Maximum discount is 25% for 4 years no claims.
Don’t wait for your renewal date. Switch today and we’ll refund your cancellation fee
As a new Clydesdale Bank Home Insurance customer, we’ll cover any cancellation cost from your previous insurer up to £100 – as long as your new policy isn’t cancelled within the first 14 days.
To qualify for the refund, your new policy must be in the same name as the policy being cancelled. And the type of cover - such as combined building & contents – also has to be the same. The switcher claims form (PDF, link opens in a new window) must be submitted no later than 90 days after the cancellation charge from your previous policy with the accompanying evidence.
To make a claim, complete the form as per the instructions and email to cancellation.refund@uk.rsagroup.com or post to RSA, Level 2, Newhall Place, Old Hall Street, Liverpool, L69 3EN.
View the full T&Cs
1. Who can take up this Offer?
- You need to have switched your home insurance policy from another insurer to Clydesdale Bank. You must have received a cancellation charge from your previous insurer for the switching.
- You must have switched to an equivalent type of home insurance policy. For example, if you are switching from a combined buildings and contents policy, you need to have switched to a combined buildings and contents policy.
- Your new policy must relate to the same property address, building and/or contents as the policy you have cancelled. The buildings and/or contents must belong to the policy holder(s) only.
- The first-named policy holder must be the same for your previous and new policies.
- You can only take part in this Offer once a year. You can only take part for one household.
- Unfortunately, you can’t take part if:
- you are employed by RSA.
- you are switching between Clydesdale Bank and Yorkshire Bank policies.
- you already have a Clydesdale Bank or Yorkshire Bank home insurance policy. For example, if you are taking out an additional policy for a second home.
- you change your mind about taking out your new policy within the 14-day cooling off period.
2. How do you take up this Offer?
- You’ll need to complete and e-mail us your switcher claim form. Send your form to the RSA e-mail address (cancellation.refund@uk.rsagroup.com) noted on the form. You have 90 days from when you receive your cancellation charge. You’ll need to include any evidence we’ve requested too.
- If you do not have access to an email address, you can post your form to: RSA, Level 2, Newhall Place, Old Hall Street, Liverpool, L69 3EN
- If you are claiming for more than one cancellation charge, use one claim form. We’ll treat this as one claim.
3. What is the Offer?
- We will pay your policy cancellation charges, up to £100.
- If you are cancelling two separate policies, you might incur two separate charges. For example, if you have separate buildings and contents policies. If this is the case, the maximum total we will pay is £100.
- We can only pay cancellation charges. This means we can’t pay any other expenses or fees.
- You can only take up this Offer once for each Clydesdale Bank policy.
4. How do I receive my payment?
- We will send your payment by cheque. We will send this within 30 days of receiving your valid claim form.
- Cheques are made out to the policy holder(s). RSA will send these to the address we have registered for the policy holder(s).
5. What else do you need to know about our Home Insurance?
- Clydesdale Bank Home insurance policies are underwritten and administered by our partners at RSA.
- We don’t provide advice in relation to home insurance policies. This means that you will need to make sure the policy covers your needs.
- When you are cancelling any home insurance policy, check your timescales to make sure you have cover in place at all times.
- If you cancel your existing policy before it’s due to end, you might not benefit from any “no claims” benefit under that policy. We aren’t responsible is this happens.
- Our home insurance policy terms and eligibility criteria apply to any policy you take out. You can find more details here
6. What else do you need to know about this Offer?
- We’ll use your personal information to help us run this Offer. You can find out more in our privacy notice at https://secure.cbonline.co.uk/site-information/legal-privacy/fair-processing-notice/
- Only English law applies to this Offer.
- If something goes wrong, we’ll try to fix it. If we can’t because it’s something we can’t reasonably control, or it’s not our fault, then we may have to make changes to this Offer. This includes suspending or ending it early. We can make such changes without giving you notice. However, we’ll try our best to avoid making changes. And we’ll try to minimise any disappointment to you when we make changes.
- On the odd occasion, disputes happen in relation to Offers. We really hope to avoid them! If any problems come up, we will try to resolve them quickly. We’ll make the final decision in relation to any issues relating to the running of this Offer.
- If you have any queries about this Offer, please direct them to us at Virgin Money.
7. Who are we?
- We like to call ourselves Virgin Money but our official name is Clydesdale Bank PLC.
- We’re registered in Scotland at 30 St Vincent Place, Glasgow, G1 2HL.
- Our company number is SC001111.
- Our home insurance is administered and underwritten by Royal & Sun Alliance Insurance PLC (“RSA”). Their registered office is St Mark’s Court, Chart Way Horsham, West Sussex, RH12 1XL.
Clydesdale Bank Home Insurance is administered and underwritten by Royal & Sun Alliance Insurance plc (RSA) – rated five-star by Moneyfacts for the last four years.
Affected by extreme weather conditions?
Practical guidance and how to make a claim
Footnotes
[1] Based on all Clydesdale Bank Home Insurance policies renewed between October 15 and August 19.
[2] For example, if you qualify for both 10% new customer discount and 25% 4 years no claims discount, then 10% will be applied first to the original quote. The additional 25% reduction will then be applied to the discounted total e.g. if quote was £100, 10% discount brings total to £90 minus 25% = final price of £67.50.
Three steps towards the cover you need
- Choose your core cover – Buildings cover, contents cover, or both?
- Share the specifics – Let us know what you need insured. Whether it’s cameras and computers or pots and plants. Tell us what’s important to you.
- Get a quote – Simply complete the online form.
Find home insurance puzzling?
Working out what cover to get can often leave you with more questions than answers.
That’s why we’ve created a handy interactive tool which uses real examples of things you may have in your home. It’ll help you understand what our additional cover options include. And our simple tool will guide you to the cover you need and what else you might want to think about.
When you click on the hotspots, our tool will tell you what to buy so that you’re covered.
If something were to happen to your plumbing, your heating or you need mice removed, wouldn’t you want access to emergency repair services to make your home safe and secure? Simply click on the mouse in the kitchen to see how easy it is.
You may still have a few questions after using our tool. If you do, we’re always happy to chat about home insurance - just pop into your local branch or call 0800 197 1609.
Choose your core cover
Buildings cover
Cover your home itself and other permanent structures on your land – garages and outbuildings, drives, walls, fences and gates. You’ll be covered against damage by fire, flood, subsidence, and other similar causes.
Get covered for up to £400,000 as standard, up to £40,000 for alternative accommodation, and up to £750 for locks and keys.
Contents cover
Cover your home contents against loss or damage by fire, flood, storm, theft, escape of water, and other similar causes.
Get covered for up to £50,000 as standard, up to £10,000 for alternative accommodation, and up to £7,500 for high risk items (up to a total of £1,500 for any one item).
Building and Contents cover
Combine buildings and contents for maximum protection – covering your home and your belongings under one policy.
What extras matter to you?
Once you’ve chosen your core covers, you can add extra cover options from our list below. Limits apply.
Technology & entertainment[4] Link to footnote
Protect electrical items like TVs, cameras, musical instruments, computers, iPods, and even music and film downloads – all covered home and away.
| Key benefits | Limits | Summary of key benefits |
|---|---|---|
| Minimum sum insured | £500 | The minimum amount available is £500 with an increase up to £10,000, if required. |
| Music, film or electronic data downloads | Up to £2500 | The cost of replacing, films or electronic data legally downloaded by your family, from a legitimate website following loss or damage to technology & entertainment equipment |
| Limit to theft from outbuildings | Up to £2000 | For items that are stolen from any detached outbuilding, garage, shed, or greenhouse |
| Theft from an unattended motor vehicle | Up to £1500 | Cover for items such as cameras and laptops that have been stolen from the boot or locked glove compartment of a locked motor vehicle |
Accidental damage
Protection for your contents only, buildings only or both.
| Key benefits | Limits | Summary of key benefits |
|---|---|---|
| Accidental damage buildings | £400,000 | Comprehensive cover for anything accidentally damaged that would fall under the definition of buildings in your home insurance. |
| Accidental damage contents | £50,000 | Comprehensive cover for anything accidentally damaged that would fall under the definition of contents in your home insurance. |
Personal items[4] Link to footnote
Cover for items in and away from the home such as jewellery, watches, glasses, money (including credit cards) and bikes.
| Key benefits | Limits | Summary of key benefits |
|---|---|---|
| Minimum sum insured | £500 | Minimum amount for unspecified personal items. |
| Maximum sum insured | Up to £10,000 | For loss or damage to unspecified personal items in the British Isles and temporarily outside the British Isles for up to 60 days |
| Single item limit | Up to £1,500 | Specified items over £1,500 must be specified on the policy. For single items over £5,000 will require a valuation. |
| Theft from outbuildings | Up to £2,000 | Theft of personal items limit £2,000 from outbuildings. |
| Money away from the home | Up to £500 | Loss of money in the British Isles and temporarily elsewhere in the world while in possession of any of your family |
| Credit cards away from the home | Up to £500 | Financial loss resulting from any credit card being lost or stolen, or the card details being fraudulently obtained and used without permission of the authorised card holder |
| Theft from an unattended motor vehicle | Up to £1500 | Cover for items such as jewellery and watches that have been stolen from the boot or locked glove compartment of a locked vehicle. |
Garden cover[4] Link to footnote
Protect your plants, garden, furniture, lawns and tools. We’ll even re-landscape your garden should emergency services ever damage it.
| Key benefits | Limits | Summary of key benefits |
|---|---|---|
| Minimum sum insured | £500 | Minimum amount available is £500 which can be increased to a maximum amount of £7,500, if required |
| Re-landscaping gardens | Up to £5,000 | The cost of re-landscaping of the garden as a result of damage by the emergency services |
Home emergency
24/7 home emergency assistance provided if your home is uninhabitable.
| Key benefits | Limits | Summary of key benefits |
|---|---|---|
| Home emergency features | Up to £500 | For example cover includes; loss of heating (1st Oct – 30th Apr), failure of all electricity, removal of vermin (from the main structure of the property – excludes outbuildings), securing your home. |
Legal expenses cover
Access to a wide range of solutions concerning tax, employment, residential dispute, personal injury and consumer protection.
| Key benefits | Limits | Summary of key benefits |
|---|---|---|
| Legal expenses cover | Up to £50,000 | Covers for personal injury, consumer protection, residential, employment, tax. |
Footnotes
[4] Optional cover not available if you purchase core buildings only
View our terms & conditions including policy exclusions (PDF, link opens in a new window)
The offer of insurance is subject to eligibility criteria and applicants must be aged 18 or over. Terms and Conditions apply. Clydesdale Bank Home Insurance is administered and underwritten by Royal & Sun Alliance Insurance plc (RSA) (No. 93792). Registered in England & Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Contact us
Sales and customer service
To speak to our sales and customer service teams, please call RSA on 0800 197 1609
(open Monday to Friday, 9am-6pm, and Saturday, 9am-1pm).
Or write to our customer service team at:
Clydesdale Bank Customer Services RSA Lynchwood Park Peterborough PE2 6GG
Claims
If you are an existing customer and need to make a claim on your home insurance policy, please contact RSA:
Clydesdale Bank Claims RSA Lynchwood Park Peterborough PE2 6GG
Telephone: 0800 197 1610
(open Monday to Friday, 8am to 8pm, Saturday, 9am to 4pm).
Please quote your policy number or claim reference number on all correspondence.
Home emergency
If you are an existing customer and you need to get in touch with the Home Emergency department, please call 0345 078 0045.
Legal advice
If you are an existing customer and you need to get legal advice, please contact the legal advice line on:
Telephone: 0330 100 6447 .
To make a legal claim, please write to:
Arc Legal Assistance Limited The Gatehouse Lodge Park Lodge Lane Colchester CO4 5NE
You can find impartial information and guidance on money matters on the “Money advice service” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.