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Up to 30% off home insurance

Benefit from up to 30% off your first year’s premium with our 5 star rated home insurance, available to new customers with no claims in the past 4 years.

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

Get a quote from RSA (Link opens in a new tab)

Make a claim

Affected by extreme weather conditions?

Practical guidance and how to make a claim

Find out more (Link opens in a new tab)

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

  1. Choose your core cover – Buildings cover, contents cover, or both?
  2. 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.
  3. Get a quote – Simply complete the online form.

Get a quote from RSA (Link opens in a new tab)

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

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 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.

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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.

Get a quote from RSA (opens in a new window)
Make a claim