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To make a claim please call 0800 197 1610

Home insurance

Up to 25% no claims discount

We never like to think of things going wrong in the house, but forearmed in this case can help to prevent having to pay for surprise incidents.

† 25% No claims discount applies to new home insurance customers who have not claimed on their home insurance in the past 4 years.

Clydesdale Bank home insurance is administered and underwritten by Royal & Sun Alliance Insurance plc, who can provide you with the core cover of:

  1. Core buildings - covered up to £400,000 as standard
  2. Core contents - covered up to £50,000 as standard
  3. Or both - combine core buildings & contents for maximum protection.

10% introductory discount for new home insurance customers

Terms, Conditions and Exclusions apply

Then choose the extra cover options to suit your home and lifestyle:-

  • Technology and entertainment* - Electrical items like TVs, cameras and computers are covered against accidental damage and loss, both inside and outside your home.
  • Accidental damage - You can add accidental damage cover to your core cover.
  • Personal items* - From your glasses to cash or your pedal cycle, make sure you have enough cover for all your personal items whether you're at home or out and about.
  • Garden* - Protect your plants, garden, furniture, lawns and tools. You can even have your garden re-landscaped should emergency services ever damage it.
  • Home emergency - 24/7 Home Emergency assistance, help and advice which includes cover for loss of heating, emergency roof repairs and securing broken windows or doors.
  • Legal expenses - Access to a wide range of legal solutions, including professional mediation and consumer protection.

*Optional cover not available if you purchase core buildings only

Apply today

Apply online

You will be transferred to RSA

Your nearest branch

Clydesdale Bank Home Insurance have been awarded Five Stars in the Moneyfacts review of the buildings and contents insurance market. The Moneyfacts rating showcase the most complete products with the most features and competitive limits.

Core covers
Extra cover
Contact us
  • Choose the core cover required:

    1. Core buildings only.

    Cover for the buildings of your home and other permanent structures on your land such as garages and outbuildings,drives,walls,fences and gates against damage by fire, flood,subsidence and other similar causes.

    Key benefits Limits Summary of key benefits
    Standard sum insured £400,000 Cover is automatically provided up to £400,000 to rebuild your home.
    Alternative accommodation Up to £40,000 Provides accommodation for your family and any pets living with you following damage to your home that makes it uninhabitable.
    Locks and keys Up to £750 Accidental damage or loss of keys to the outside of doors, safes or alarms.
    2. Core contents only.

    Cover for contents in your home against loss or damage by fire, flood,storm,theft,escape of water and other similar causes.

    Key benefits Limits Summary of key benefits
    Standard sum insured £50,000 Cover is automatically provided up to £50,000 to replace contents.
    Alternative accommodation Up to £10,000 If your home is uninhabitable as a result of damage to your contents, we will pay the reasonable additional cost of similar short-term accommodation for your family and also for any pets living with you.
    High risk items within the home Up to £7,500 High risk items are items often stolen by burglars and are automatically covered for up to a total of £7,500, with any one item up to a total of £1,500.
    3. Or both

    Combine core building only and core contents only to provide cover for both your home and belongings.

  • Once you’ve chosen your core covers then add the extra cover options that you need from our list below.

    Technology & entertainment *

    Protect electrical items like TV’s, cameras, musical instruments, computers, iPods and even music and film downloads in and away from the home.

    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 for theft 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 *

    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 belongings.
    Maximum sum insured Up to £10,000 For loss or damage of unspecified personal belongings, including a £7,500 limit for personal belongings outside of the British Isles.
    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 *

    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 and 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, 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.

    *Optional cover not available if you purchase core buildings only

  • 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 – 9pm 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:
    Telephone: 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:

    Cigna Legal Protection
    Chancery House
    St. Nicholas Way
    Sutton
    Surrey
    SM1 1JB

Click here to view our terms & conditions including policy exclusions

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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