We recognise that every one of our customers is different, and when it comes to buildings and contents insurance, a traditional one size ‘standard package’ doesn't always suit everyone.
That's why we developed ‘You Choose’ Home Insurance which allows you to tailor your cover to suit you, giving you more control over how much you pay for it.
Our 'You Choose' home insurance ensures you’re not paying for things you don’t really want or need. It's designed to work around you and your lifestyle, and gives you cover that’s tailored to your specific needs. Like any cover, limitations and exclusions apply.
You should make sure you know what level of cover you want before obtaining a quote.
All applications are subject to eligibility and underwriting. Limitations and exclusions apply.
View the important information about our insurance services document (60 KB)
Only pay for the cover you need.
Take a look at some of the features of our product:
Our home insurance allows you much more control about what cover you take and how much you pay for it.
Note: the discount will automatically be applied when requesting a quote.
T&Cs also available as a pdf: Terms and Conditions (122 KB)
Note: Core Contents cover does cover items that are included in the Extra Cover Options for example, jewellery (personal items) or televisions (technology & entertainment) while in your home. Core contents does not include items covered under Buildings or Garden option.
This Core option combines all elements of Core Buildings Only and Core Contents Only.
Depending on the Core Cover Option you choose, these benefits are included at no extra cost:
Once you've decided on the Core Cover, add your choice of Extra Cover Options . There are a number of these, depending on your needs. You may find that not all of the Extra Cover Options will suit your circumstances. You can design your policy around you and your family's lifestyle.
The Extra Cover options are:
Please note: there are limitations and exclusions with all home insurance policies. Further details are available when you get a quote
Technology and entertainment items in and away from your home such as televisions, DVD players, satellite and digital receivers, music players, laptops, desktop computers, mobile phones, CDs, DVDs, game consoles and much more.
Items such as jewellery, watches, medals, money, credit cards, sports equipment, pedal cycles, camping equipment and wheelchairs/electric scooters for the infirm or disabled.
Items such as trees, shrubs, plants, hedges, lawns, gardening equipment and garden furniture.
Accidental damage to either your building, or its contents, or both.
The cost of emergencies such as failure of the electricity supply, repairs to the plumbing or drainage system or the removal of vermin. It also helps with the cost of accommodation if you're unable to live in your home.
The costs of taking or defending legal action for
The maximum cover available across Personal Items, Technology & Entertainment and Garden options is £30,000.
For more details on the Core Cover and Extra Cover Options, please use the Cover Selector
Exclusions and limitations will apply to all Extra Cover Options you take. Further details are available when you get a quote
Our claims team will be able to answer your questions and give you the information you need to ensure that making a claim is straightforward, quick and hassle free.
Speak to a friendly adviser about your claim.
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 0727149*
If you’re making a Home Insurance claim, here is a step by step guide on what to expect:
Please contact us on 0345 0727147* to make a claim (we’re open from 8am – 8pm Monday – Friday and 8am – 1pm Saturday).
Our claims team will then verify your details and ask for details of your claim. The more details you can provide during the first call, the quicker the claims process will be. Receipts for your contents may be required especially for valuable items, receipts will speed up the process of settling the claim.
If you are claiming for accidental damage, our dedicated claims team will decide if the item could be a possible repair. They may allocate a supplier to inspect the item to help make this decision. If the item cannot be repaired our claims team will value your replacement on a like for like, new for old basis. We don’t make any deductions based on wear and tear. A supplier may also be allocated to value and replace the item. You may be given the option of a replacement or a cash settlement. You may also be asked for receipts and photos of the accident before settling. If cash is paid, the amount paid will reflect any discounts we may have received had we replaced the property.
If you’re claiming for damage to your buildings, or for any large loss such as a flood, escape of water (for example a burst pipe), fire or subsidence, our claims team may send a personal claim specialist to your home to survey the damage caused and to assist with the management of your claim . Our dedicated claims team will then contact the correct tradesperson and suppliers to repair the damage and manage the process for you.
If you take a cash settlement, this will be paid directly into your account where we take your direct debit from or we can issue a cheque. If your items are being replaced, the claim will be closed once you have received them. If a personal claims specialist has been appointed, your claim will be closed once you accept a cash settlement paid directly into your account, or all works are complete and replacement items provided. If any excess is due this will be requested before settlement of your claim. A number of well-known retailers around the UK are used so you could receive a gift card with the settlement amount applied. Please ensure you have a valuation of 3 years or less for any valuables/jewellery over £5,000.
Please contact us on 0345 0727 149*
If you have selected the Home Emergency option, our trained advisors will provide immediate advice on how to minimise the impact of the emergency. They provide specialist approved tradesmen, 24 hours a day, 7 days a week. All work carried out is fully guaranteed.
Home Emergency assistance gives you £500 of cover and this usually assists in the following:
Home Emergency 0345 0727149.
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 plc (No 92792). 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.