home insurance

Choose the cover that suits you, then add extras to make sure you have everything you need.

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Why choose Uinsure?

We’ve partnered with Uinsure, who offer buildings, contents and combined insurance policies to our customers.


We don’t take commission on home insurance policies.

You can get home insurance quotes in as little as 60 seconds.
All quotes come from a panel of leading UK insurers and offer you the best price each year.
You’ll get access to 24/7 support and help with your claims.
Cover is tailored to what you need.

You can get three types of home insurance - buildings, contents or combined

You can also choose from a host of optional extras.

Buildings insurance

  • £1 million worth of cover, as standard.
  • Cover for your walls, roof, windows, and anything else that forms part of the structure of your home. This could include things like fixtures and fittings in your kitchen and bathroom.
  • Cover for your outbuildings, such as garages.
  • Cover for your driveway and patios.

Exclusions and limitations will apply. These can be found in your policy wording.

Contents insurance

  • £75k worth of cover, as standard.
  • Cover for items in your home that you could take with you if you moved house. This could include things like furniture, carpets and laptops.
  • Cover for the repair or replacement of the contents of your home if they are lost, stolen or damaged by something covered in your policy. This might include things like floods or fires.

Exclusions and limitations will apply. These can be found in your policy wording.

Optional extras

Looking for extra cover? You can choose from these extras:
  • Accidental damage cover protects you against unexpected sudden events.
  • It covers things like smashing a window with a ball or hammering a nail into a pipe. 
  • This cover could be great for families with young children, DIY lovers, or anybody looking for extra peace of mind.
  • You can choose accidental damage cover for your building, your contents, or both.

Examples of what’s not covered:

  • Storm damage to fences, hedges, and gates.
  • Damage caused by faulty workmanship, design, or materials.
  • Other exclusions and limitations will apply.
  • Any individual items, worth less than £2,500, that you take outside of your home are not covered with our policies. These include things like jewellery and mobile phones. If you want to insure these items, you will need to add personal belongings cover.
  • Individual items have a maximum claim limit of £2,500.
  • Includes cover for money in and away from home up to £1,000.
Mobile phones - £500
Personal money - £750
Credit cards - £1,000
If you want to cover items for more than these limits, you’ll need to specify them as ‘high risk items’.

Examples of what’s not covered:

  • Loss or damage caused by theft (or attempted theft) from an unattended motor vehicle.
  • Loss within the home of items which are not high risk.
  • Other exclusions and limitations will apply.
This cover is designed for theft, loss, or damage to individual items. It covers items worth more than £2,500.
You will need to specify these items to make sure they are fully covered.
Mobile phones are not covered as standard for loss or damage outside the home.
If you add personal belongings cover, mobile phones will be covered outside of the home, up to a value of £500.
If you wish, you can choose extra cover which covers mobile phones for more than £500.
All bicycles are covered as standard for loss or damage from within the home.
If you add personal belongings cover, all bicycles will be covered outside of the home, up to a value of £1,000. This also covers up to 60 days outside of Europe.
If you wish, you can choose extra cover which covers bicycles for more than £1,000.
  • This cover provides emergency assistance with a range of incidents around the home.
  • This includes a boiler breakdown, a blocked drain, or a burst pipe. The policy gives cover up to a value of £1,500 per claim. There’s no maximum limit on the number of claims you can make and no excess.

Examples of what’s not covered:

  • Blocked toilets or drains where the cause is a result of misuse. Or, when the problem is caused by the internal workings of the flush.
  • Boilers that are more than 15 years old.
  • Other exclusions and limitations will apply.
  • This provides legal cover and support for you and your family up to a value of £150,000.
  • It covers making a claim against someone else.
  • Things like employment disputes, personal injury, or property issues are covered.

Examples of what’s not covered:

  • Incidents that began before the policy start date.
  • Claims relating to anyone you live with or have previously lived with.
  • Other exclusions and limitations will apply.

Get a home insurance quote now

Online

All applications are subject to eligibility and underwriting. Limitations and exclusions apply.

Call Uinsure

 9am to 5pm Monday to Friday 
*Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.

Need help with your policy?

Contact Uinsure customer service:
 9am to 5pm Monday to Friday 

Have an existing policy with RSA?

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.
Lines are open:
8am to 5pm Monday to Friday

General enquires

Lines are open:
8am to 5pm Monday to Friday
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: 

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

Before you continue

We’ve partnered with Uinsure, who offer buildings and contents insurance products to our customers. We do not charge a fee for the introduction to Uinsure or receive any payment from them. This is called a commision.

 

You must have buildings insurance if you have a mortgage with us. If you choose to get your insurance somewhere else, this will not affect whether we decide to offer you a mortgage.

 

Uinsure's website can help you calculate how much insurance you need, You can also use it to get quotes and apply for cover,

 

It's important to note that you will be dealing directly with Uinsure and not Yorkshire Building Society,

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

8am to 8pm Monday to Friday
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.