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Five star home insurance from less than £16[1] Link to footnote a month

Don’t settle for a one-size-fits-all policy. Tell us what really matters and we’ll make sure it’s covered – giving you real peace of mind for your possessions.

Our Yorkshire Bank Home Insurance is administered and underwritten by Royal & Sun Alliance Insurance plc (RSA) – rated five stars by Moneyfacts.

  • Core cover for buildings up to £400,000 as standard, contents up to £50,000 as standard or add both for maximum protection
  • 10% discount for new home insurance customers
  • 25% no claims discount for new home insurance customers who have not claimed on their home insurance in the past four years
  • Enjoy flexible cover – you won’t have to pay any admin fees for making changes or cancelling your policy
  • Your premium is the same whether you pay annually or by monthly direct debit

Footnotes

[1]RSA Survey May 2017. price quoted is based on 25% of customers who purchased a Yorkshire Bank home insurance policy between 01/05/2016 - 30/04/2017. Excludes optional extras. premiums are paid monthly or annually.

Get covered in just three steps

  1. Core cover – Pick the main kind of cover you need. Choose from buildings, contents, or both.
  2. Optional extras – Let us know the important stuff that you need covered. Cameras and computers or pots and plants – your policy reflects what you choose.
  3. Online quote – You’ll get a personalised online quote.

Choose your core cover

Buildings cover

Cover your home itself 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.

Get covered up to £400,000 as standard, up to £40,000 for alternative accommodation, and up to £750 for locks and keys.

Contents cover

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

Get covered for up to £50,000 as standard, up to £10,000 for alternative accommodation, and up to £7,500 for high risk items (up to a total of £1,500 for any one item).

Building and Contents cover

Combine buildings and contents for maximum protection – covering your home and your belongings under one policy.

Tell us what matters to you

Select your core cover and then add extra contents cover from the options below.

Technology & entertainment[2] Link to footnote

TVs, cameras, musical instruments, computers, iPods, and even music and film downloads – protect your electricals while you’re home and away.

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 to theft from outbuildings 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

Protect against accidents – get covered on contents, buildings, 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[2] Link to footnote

For the little things that mean a lot – get covered for items like 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[2] Link to footnote

Extend your cover to protect your plants, garden, furniture, lawns and gardening tools. We’ll even re-landscape your garden if it’s damaged by emergency services.

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 provided 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 (from the main structure of the property - excludes outbuildings), securing your home.

Legal expenses cover

Cover for legal expenses – access to help and advice on 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.

Footnotes

[2] Optional cover not available if you purchase core buildings only

Contact us

Customer service

To speak to customer services, please contact RSA:

Yorkshire Bank Customer Services
RSA
Lynchwood Park
Peterborough
PE2 6GG

Telephone: 0800 197 1612 (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:

Yorkshire Bank Claims
RSA
Lynchwood Park
Peterborough
PE2 6GG

Telephone: 0800 197 1613

(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 0345 078 0046.

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

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. Yorkshire 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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