Our home insurance service is changing

From 01 December 2024, we will stop offering home insurance from RSA.

Any new policies with RSA will need to start by 01 December 2024.
 

Already have a policy with RSA?

Nothing will change and you will still be protected.

If you need to contact RSA:

General enquiries
0330 1022 829
8am – 6pm Monday to Friday

Make a claim
0330 0727 147
9am – 5pm Monday to Friday

Home emergency
0345 0727 149
24 hours

Calls to 03 numbers are charged at the same rate as 01 or 02 from all phones.

Why choose us?

  • Home Insurance underwritten and serviced through RSA, a longstanding relationship with YBS for over 15 years.
  • RSA are one of the world's most longstanding insurers with over 300 years of experience in helping customers.
  • Premiums can be paid annually or monthly (at no extra cost).
Moneyfacts home insurance 2024

 

We offer three types of home insurance - buildings, content, or combined.

 

Buildings Insurance

£1million as standard

Includes your walls, roof, windows and anything else that forms part of the structure of your home, such as fixtures and fittings like your kitchen and bathroom.

Cover for garages, outbuildings and other structures, such as drives and patios.

Exclusions and limitations will apply.

Contents Insurance

Up to £60k as standard

Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing.

We'll pay to repair or replace the contents of your home if they're lost, stolen or damaged by something covered by your policy, for example, a flood or fire.

Exclusions and limitations will apply.

Home Insurance 15% Online Discount

Save 15% on your home insurance with our exclusive online discount.

Take out a new policy or renew your old one to enjoy a 15% online discount - get your quote today!

Terms & Conditions:
  • Request a Home Insurance quote and buy online or renew an existing policy which was purchased online and the price you'll pay is currently reduced by 15%
  • Prices and discounts are constantly reviewed and can be withdrawn or changed at anytime without prior notice

Online

All applications are subject to eligibility and underwriting; limitations and exclusions apply.

Telephone

If you feel you need additional support before applying, please call RSA on

8.00am - 6.00pm Mon-Fri 

*Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.

Looking for even more cover? You have all these extras to add:

  • Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind.
  • Covers accidental damage to either your building, its contents or both.1
  • This option also includes damage caused by pets.
1 Core Buildings - Sudden, unexpected and visible damage which hasn’t been caused on purpose to your buildings - including glass and windows, ceramic hobs or sanitary ware fixed to the home and accidental breakage of drains and pipes providing services to or from your home.

Core Contents - Sudden, unexpected and visible damage which hasn’t been caused on purpose to items inside the home and on land belonging to the home.

  • Covers the cost of emergencies in the home.2
  • Up to £500 for repairs, parts and call out charges.
  • No excess.
  • Alternative accommodation. 3
  • Provides a 24/7 rapid response from specialist approved tradesman.
  • All work carried out is fully guaranteed.
 

2 Emergency cover for the cost of repairs, parts and call out charges for:

  • Plumbing and drainage.
  • Heating system.
  • Domestic power supply.
  • Infestation of the home.
  • Home security.
  • Roof damage.

3 Cover for alternative accommodation for your family and pets if the home is uninhabitable as a result of the emergency.

  • Up to £50,000 of cover as standard.
  • No excess.
  • Covers the costs of taking or defending legal action for:
    • Personal injury, including clinical negligence.
    • Consumer protection.
    • Residential.
    • Employment.
    • Tax (Full HMRC inquiries).
  • £2,000 minimum cover or increase up to £15,000 if you need.
  • Covers items such as jewellery, watches, medals, money, credit cards and sports equipment. More details4.
  • Includes cover for money in and away from home up to £1,000.
  • Accidental damage and loss included as standard.

4 Cover for your Contents inside and outside the home anywhere in the British Isles and worldwide up to 90 days. Items such as mobile phones, laptops, jewellery, watches, money, clothing, glasses, wheelchairs, mobility scooters and cameras.
Single item limit £2,000. Any individual item over £2,000 needs to be specified on the policy.

  • Single item limit of £750 per bicycle.
  • Items over £750 need to be specified when you take out the policy.
  • Covers accidental loss or damage to your (or your family’s) bicycles inside and outside the home anywhere in the world for up to 90 days.
  • If a damaged item is part of a matching set and we can’t repair or replace it (with an item of the same colour, make, model, material and size), we’ll pay the cost of replacing the whole matching set.
rsa logo

 Important Information

As an intermediary, we act on behalf of RSA in arranging your insurance. Your insurance will be underwritten and administered by RSA (Royal and Sun Alliance Insurance Ltd) (No 93792). Registered in England and 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. We do not ask you to pay a fee but we receive a commission from RSA which is a percentage of the total annual premium paid by you each year. We may also receive a share of the profit from the policies which we sell, if RSA calculates that a profit has been made.

Already have insurance with us?

Check your policy documents online with RSA

If you have taken a new home insurance policy with us after 1st December 2020 you can register/login here to:

  • View all your policy documents online and download them
  • Change your risk or correspondence address
  • Change your cover options
  • Review your renewal documents

Call to make a claim

Speak to a friendly adviser about your claim.

0345 0727 147*

9am - 5pm Mon-Fri


In periods when properties have been impacted by storms, and we are experiencing high call volumes, you can notify us of a claim by completing the RSA New Claim Notification Form and returning it to rapid.hhclaims@uk.rsagroup.com.

If you have selected the Home Emergency option and require assistance, they can be contacted 24hrs/7 days – 365 days of the year.

Home Emergency: 0345 0727 149*

*Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.

Key Features:

  • Minimum sum insured for Contents Cover is £60K but the customer can choose to increase this to £80K.
  • Items of jewellery, watches and items that contain gold, silver or platinum that always stay inside the home are covered within the chosen Contents sum insured for up to a limit of £10K as standard.
  • Contents in the open such as garden furniture, lawnmowers and portable BBQs are covered up to £5K. Plants, trees and shrubs are covered up to £5K.
  • £20K for loss or damage to contents whilst they are temporarily at other premises (in the British Isles) like halls of residence, care homes, hospital or some of the contents are in a locked bank safety deposit box.
  • Whilst moving home, the contents are covered in both homes for up to 90 days in a row (in the British Isles) whilst moving to a new permanent home. Accidental loss or damage to the contents while moving to a new permanent home (in the British Isles) including temporary storage for up to 7 days in a row. This is up to the Contents sum insured.

Key Exclusions:

  • Storm or flood damage to trees, shrubs, hedges, bushes, plants and lawns.

The types of incidents that are covered are:

  • Damage by fire
  • Flood
  • Storm
  • Theft or attempted theft
  • Escape of water and other similar causes

Key Features:

  • £5,000 of cover for finding a leak (also known as trace and access), for example – the cost of removing and replacing the flooring to trace and access a leaking water pipe.
  • £50,000 of cover for Alternative Accommodation in case the family including pets cannot live in the home whilst it is being repaired as a result of damage
  • Cover for the buyer of the home between exchange of contracts and completion, provided the buyer hasn’t already arranged their own insurance, up to the Buildings sum insured.
  • Accidental damage to the locks and loss of the keys to the outside doors of the home, or to safes or alarms in the home, up to the Buildings sum insured.
  • Damage caused by emergency services (i.e. fire, police, ambulance) to the buildings whilst getting into the home to deal with an emergency, for example – the Police having to break down the front door to deal with a medical emergency inside. This is up to the Buildings sum insured.

Key Exclusions:

  • Damage caused by normal use or ageing, or lack of maintenance, for example – damp on the walls caused by rusted guttering or rotten window frames.
YBS and RSA logos
  • We’ve chosen to work with RSA to provide buildings and contents insurance products to our customers

  • The Products available are:-

    Buildings Insurance - Includes your walls, roof, windows and anything else that forms part of the structure of your home, such as fixtures and fittings like your kitchen and bathroom. We'll pay to repair your home if it is damaged by something covered by your policy, for example, a flood or fire.

    Contents Insurance - Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing. We'll pay to repair or replace the contents of your home if they're lost, stolen or damaged by something covered by your policy, for example, a flood or fire.

    Buildings & Contents Insurance – Combining the above into one policy.

  • If you're considering buildings and/or contents insurance to protect a mortgage you have applied for with the Society, please remember, Buildings insurance is a condition of taking out a mortgage with us, you're under no obligation to take buildings insurance with RSA and your choice will have no impact on our lending decision.
  • When you continue to RSA's website you can answer some questions to help you calculate how much insurance you need. You'll also find full information about the products on offer, including what they insure you for and what they don't. You can get a personalised quote and apply for cover using RSA's quick and straightforward application process.
  • It's important to understand that you'll be dealing directly with RSA and we will not provide you with a personal recommendation. RSA's website includes a helpful web chat facility to deal with any queries or provide assistance so that you have all the information you need to make the right choice for your circumstances.
  • ​​​​​​​We won’t charge a fee for our service. You will receive a quotation which will tell you about any other fees relating to this insurance policy.

  • YBS receive a commission from RSA which is a percentage of the total annual premium paid by you each year. We may also receive a share of the profit from the policies which we sell, if RSA calculates that a profit has been made.

If you feel you need additional support before applying, please call RSA on

8.00am - 8.00pm Mon-Fri


By continuing, you are confirming that you have read and understood the above, have read the Important Information Insurance Document and are happy to proceed to RSA's website.


*Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.

YBS and RSA logos
  • We’ve chosen to work with RSA to provide buildings and contents insurance products to our customers

  • The Products available are:-

    Buildings Insurance - Includes your walls, roof, windows and anything else that forms part of the structure of your home, such as fixtures and fittings like your kitchen and bathroom. We'll pay to repair your home if it is damaged by something covered by your policy, for example, a flood or fire.

    Contents Insurance - Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing. We'll pay to repair or replace the contents of your home if they're lost, stolen or damaged by something covered by your policy, for example, a flood or fire.

    Buildings & Contents Insurance – Combining the above into one policy.

  • If you're considering buildings and/or contents insurance to protect a mortgage you have applied for with the Society, please remember, Buildings insurance is a condition of taking out a mortgage with us, you're under no obligation to take buildings insurance with RSA and your choice will have no impact on our lending decision.
  • When you continue to RSA's website you can answer some questions to help you calculate how much insurance you need. You'll also find full information about the products on offer, including what they insure you for and what they don't. You can get a personalised quote and apply for cover using RSA's quick and straightforward application process.
  • It's important to understand that you'll be dealing directly with RSA and we will not provide you with a personal recommendation. RSA's website includes a helpful web chat facility to deal with any queries or provide assistance so that you have all the information you need to make the right choice for your circumstances.
  • ​​​​​​​We won’t charge a fee for our service. You will receive a quotation which will tell you about any other fees relating to this insurance policy.

  • YBS receive a commission from RSA which is a percentage of the total annual premium paid by you each year. We may also receive a share of the profit from the policies which we sell, if RSA calculates that a profit has been made.

If you feel you need additional support before applying, please call RSA on

8.00am - 8.00pm Mon-Fri


By continuing, you are confirming that you have read and understood the above, have read the Important Information Insurance Document and are happy to proceed to RSA's website.


*Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.