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Premier Insurance

Home Insurance

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Cover highlights

Update your policy

Make a claim

Get a quote

Tailored insurance to protect your world

Your home and its contents deserve our most comprehensive level of cover. That’s why we include accidental damage cover as standard and offer specialist cover for valuable items such as fine art, jewellery and antiques without needing to list items under £10,000.

Buildings and Contents cover subject to terms and conditions. Premier Home Insurance is underwritten by U K Insurance Limited.

Cover highlights

Cover highlights

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Buildings cover

Unlimited buildings cover with accidental damage included as standard for any unexpected mishaps. Subject to terms and conditions.

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Buildings cover detail

Included as standard:

Unlimited cover to repair or to rebuild the house.

Unlimited cover for alternative accommodation whilst insured repairs are carried out if your home is unfit to live in. A valid claim has to be made.

Full accidental damage including DIY disasters.

Contents cover

Unlimited cover with accidental damage and worldwide cover for up to 60 days included as standard. Subject to terms and conditions.

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Contents cover detail

Included as standard:

Worldwide cover for up to 60 consecutive days for belongings stored securely away from your home and personal possessions taken outside your home (e.g. cameras, jewellery and bicycles). No single item limit (except for jewellery / valuables).

Replace possessions and no deductions for wear and tear. Plus matching items as standard.

Lost money up to £2,500.

Data replacement to cover purchased download information up to £5,000.

Accidental damage to home entertainment equipment including laptops, TVs and tablet devices.

Business equipment

Included up to £15,000. Subject to a limit of up to £2,500 for any one item or for stock.

Interest-free monthly payments

Included. Subject to eligibility and credit agreement.

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Interest-free monthly payments detail

Credit facilities available - over 18s only.

(Representative 0.0% APR)

Subject to eligibility and credit agreement.

Amendments or cancellation

No admin fees for mid-term amendments or cancellation.

Not sure Premier Home Insurance is for you?

You can view all our home insurance cover options available by visiting our insurance pages.

Get in touch

Help to find the right level of cover

If understanding the value of your home and contents would help you get the right level of cover, the home appraisal team can visit your home to help you.

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Appraisal team detail

If you have other insurance needs, or your home is not of a standard construction, then the High Net Worth (HNW) policy may be more suitable for you.

Telephone: 0345 246 2109
Minicom: 0800 404 6160

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.

Update or change your policy

Call our dedicated Premier Insurance team if you need to update your policy.

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Change or update your policy detail

No admin fees for mid-term amendments or cancellation.

To make changes to your policy, call:

Telephone 0800 533 5265
Minicom 0800 404 6160

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays. Calls may be recorded.

Make a home insurance claim

With Premier Home Insurance cover, you can call 24 hours a day, 7 days a week.

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Make a claim detail

A dedicated claims handler will deal with your case as quickly as possible, with minimal paperwork.

If you’re claiming for something that has been stolen, you should always report the incident to the police before doing anything else.

Call the Premier Insurance claims team on:

Telephone 0800 533 5265
Minicom 0800 404 6160

Common questions about making a claim

An update on Coronavirus (COVID-19)

Our colleagues in contact centres are working incredibly hard in difficult circumstances. Please only call us if it’s absolutely essential, this will allow us to focus on those customers who need us most at this time.

Please only call if:

You have an urgent claim.
You’re worried about not being able to pay your instalments, as a result of the COVID-19 pandemic. Find out what to do next here.
Your policy is due to renew in the next week and you haven’t opted for auto-renewal. If you have opted for auto-renewal, please make sure your insurance still meets your needs.

If you are concerned about the impact of the COVID-19 pandemic on your home insurance, U K Insurance Limited (the underwriters of your policy) have a dedicated help and support hub.

We could help if you're struggling to make your insurance payments because of Coronavirus (COVID-19)

If you're finding it difficult to pay your monthly insurance payments as a result of Coronavirus, there are a few different ways we could help you. We could change your payment dates or organise a payment deferral for up to 3 months.

Before requesting a payment deferral, please read the important information below to make sure you're fully aware of the impact on your insurance.

Payment Deferral

A payment deferral allows you to stop paying your insurance payments for an agreed period of time and if agreed, it won’t have any negative impact on your credit rating.
When your monthly payments start again after the deferral, the amount that has been "missed" will be spread over your remaining instalments.
We will not charge any additional interest to you so the total amount you pay will not increase as a result.
Payment deferrals should only be used when absolutely necessary, the remaining cost of your insurance policy will still be due, but will be paid for over a shorter period.

What should I do next?

If you're struggling financially then please call us and we’ll see what we can do to help. Please don’t cancel any payments or direct debits through your bank as this can affect your policy with us and may have a negative impact on your credit rating.

Royal Bank of Scotland Premier Home Insurance Team

Call: 0345 246 2109

(Minicom: 0800 404 6161)

Royal Bank of Scotland Premier Insurance is underwritten by U K Insurance Limited.

Important information

Please take some time to read or download and save these documents. For full details of cover, any limitations and significant exclusions, please view the Premier Home Insurance Policy document below.

'What you need to know' paper copy

Your ‘What You Need to Know’ is available in a paper format. Let us know if you’d like this posted to you.

I'm ready to get a quote

It's important for you to understand how we use and share your information. Please read this short summary before you continue.

How do you want to contact us?

Talk to us

You can reach the Premier Insurance team on:

Telephone: 0345 246 2109
Minicom: 0800 404 6160

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.

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