Home insurance with no hidden fees
We won’t charge you admin fees for paying monthly, changing your policy or even cancelling it.
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.
We’ve having a Virgin Money makeover
Clydesdale Bank home insurance will soon become Virgin Money home insurance. Online quotes aren’t available at the moment. But don’t worry, you can still get a quote or access your existing quote, just call 0800 197 1612.
- No hidden fees. Unlike some insurers, we won’t sting you if you pay monthly, make a change or cancel your cover.
- Get up to £400,000 buildings cover or up to £50,000 contents cover – or take both. And add the extras that matter to you – like accidental damage or home emergency cover.
- Automatic 10% discount for new home insurance customers – and up to four years no claims discount 3.
Affected by extreme weather conditions?
Practical guidance and how to make a claim
First, choose your core cover
Buildings cover
Up to £400,000 cover for your building and other permanent structure, like garages, fences and gates.
Plus up to £40,000 for alternative accommodation and up to £750 for locks and keys.
Contents cover
Up to £50,000 to cover your home contents against fire, floods, theft – and more.
Plus up to £10,000 for alternative accommodation and up to £7,500 for valuable items (up to £1,500 for each item).
Building and Contents cover
Choose buildings and contents cover for combined protection, all under one roof.
Now, add your extras
Once you’ve chosen your core cover, you can add extra cover for complete peace of mind. 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)
Contact us
Sales and customer service
To speak to our sales and customer service teams, please call RSA on 0800 197 1612
(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 1613
(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 0046
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
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. Virgin Money is a trading name of Clydesdale Bank PLC. Virgin Money Home Insurance is administered and underwritten by Royal & Sun Alliance Insurance Ltd. (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.