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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.

Find out more

The five-star treatment

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. It’s also been rated five-star by Moneyfacts for a fantastic four years running.

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
  • Moneyfacts five-star rated home insurance.
  • 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 – as long as your new policy doesn’t start later than 30 September 2020 and 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. This offer can be withdrawn at any time.

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.

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Affected by extreme weather conditions?

Practical guidance and how to make a claim

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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

  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.

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.

Find out more

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—5pm)

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 9am – 5pm)

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

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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.

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