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Up to £50 cashback
on new home insurance policies
until 15th June 2019
UK residents only. Policies cancelled before the first 3 premiums have been paid will not qualify for the offer. Not available to existing Clydesdale or Yorkshire Bank home insurance customers. £50 cashback is paid for eligible buildings and contents policies. Buildings only or contents only policies qualify for £25 cashback. Only one cashback payment per household. View the full T&Cs.
Five star home insurance from less than £16[1] Link to footnote a month
Your home is one of a kind. Don’t protect it with one-size-fits-all insurance cover.
Our policy lets you personalise your cover, so you know the things that are most important to you are insured properly.
Our Clydesdale Bank Home Insurance is administered and underwritten by Royal & Sun Alliance Insurance plc (RSA) – rated five stars by Moneyfacts for the last 4 years.
- Core cover for buildings up to £400,000 as standard, contents up to £50,000 as standard or add both for maximum protection
- 10% discount for new home insurance customers
- A 25% no claims discount[2] Link to footnote also applies to new home insurance customers who have not claimed on their home insurance in the past 4 years
- For those who qualify for both discounts, 10% will be applied first to the original quote. The additional 25% reduction will then be applied to the discounted total
- Enjoy flexible cover - unlike other insurers, if you make an admin change to your policy or cancel it, you won’t have to pay any admin fees
- Your premium is the same whether you pay annually or by monthly direct debit
Join the 95% of customers who chose to stay with Clydesdale Bank Home Insurance[3] Link to footnote
Affected by extreme weather conditions?
Practical guidance and how to make a claim
Footnotes
[1] RSA survey December 2018. Price quoted is based on 25% of customers who purchase a Clydesdale Bank home insurance policy between January 2018 – December 2018.
[2]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.
[3] Based on all Clydesdale Bank Home Insurance policies renewed between January 2018 and December 2018.
Three steps to get 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.
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.
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
Contact us
Customer service
To speak to customer services, please contact RSA:
Clydesdale Bank Customer Services RSA Lynchwood Park Peterborough PE2 6GG
Telephone: 0800 197 1609 (Open Monday to Friday 8am – 8pm and Saturday 9am – 1pm)
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 8am – 8pm Monday – Friday and Saturday 9am – 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 24-hour 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 24-hour 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
The offer of insurance is subject to eligibility criteria and applicants must be aged 18 or over. Terms and Conditions apply. Clydesdale Bank Home and Car 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.
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.