Home Insurance

With our home insurance, you can choose the right kind of cover for you - so you only pay for the insurance you need.

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† 25% No Claims Discount applies to new Home Insurance customers who have not claimed on their home insurance in the past 4 years and may not be used in conjunction with any other offer.

Summary

Core covers

Extra covers

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• Home Insurance to suit your home and lifestyle.

  Choose from a range of extra options that gives you the choice and flexibility to build the right level of cover to protect your home, possessions and lifestyle.

  How it works:

  Choose the core cover required.

  1. Core Buildings - covered up to £400,000 as standard
  2. Core Contents - covered up to £50,000 as standard
  3. Or Both - Combine Core Buildings & Contents for maximum protection.

  Then choose the extra cover options to suit your home and lifestyle:-

  • Technology and Entertainment* - Electrical items like TVs, cameras and computers are covered against accidental damage and loss, both inside and outside your home.
  • Accidental Damage - You can add accidental damage cover to your core cover. And because this doesn't include items covered by other packages you won't pay to insure the same things twice.
  • Personal Items* - From your glasses to cash or your pedal cycle, make sure you have enough cover for all your personal items whether you're at home or out and about.
  • Garden* - Protect your plants, garden, furniture, lawns and tools. You can even have your garden re-landscaped should emergency services ever damage it.
  • Home Emergency - 24/7 Home Emergency assistance, help and advice which includes cover for loss of heating, emergency roof repairs and securing broken windows or doors.
  • Legal Expenses - Access to a wide range of legal solutions, including professional mediation and consumer protection.

  *Optional cover not available if you purchase core buildings only

• Choose the core cover required:

  1. Core Buildings Only.

  Cover for the buildings of your home 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.

  Key Benefits	Limits	Summary of key benefits
  Standard Sum Insured	£400,000	Cover is automatically provided up to £400,000 to rebuild your Home.
  Alternative Accommodation	Up to £40,000	Provides accommodation for your family and any pets living with you following damage to your home that makes it uninhabitable.
  Locks and Keys	Up to £750	Accidental damage or loss of keys to the outside of doors, safes or alarms.

  2. Core Contents Only.

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

  Key Benefits	Limits	Summary of key benefits
  Standard Sum Insured	£50,000	Cover is automatically provided up to £50,000 to replace Contents.
  Alternative Accommodation	Up to £10,000	If your Home is uninhabitable as a result of damage to your Contents, we will pay the reasonable additional cost of similar short-term accommodation for your family and also for any pets living with you.
  High Risk Items within the Home	Up to £7,500	High Risk Items are items often stolen by burglars and are automatically covered for up to a total of £7,500, with any one item up to a total of £1,500.

  3. Or both

  Combine Core Building only and Core Contents only to provide the best cover for your home and belongings.

• Once you’ve chosen your core covers then add the extra cover options that you need from our list below.

  Technology & Entertainment *

  Protect electrical items like TV’s, cameras, musical instruments, computers, iPods and even music and film downloads in and away from the home.

  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 for theft	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 camera's, laptops that have been stolen from a locked motor vehicle.

  Accidental Damage

  Protection for your contents only, buildings only or both. And because this doesn’t include items covered in other packages, you won’t pay to insure the same things twice.

  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 *

  Cover for items in and away from the home such as 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 a locked motor vehicle.

  Garden Cover *

  Protect your plants, garden, furniture, lawns and tools. We’ll even re-landscape your garden should emergency services ever damage it.

  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 and if your home is uninhabitable, we’ll even cover alternative accommodation for you and your family.

  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, securing your home.

  Legal Expenses Cover

  Access to a wide range of solutions concerning 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.

  *Optional cover not available if you purchase core buildings only

• 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 – 9pm 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 – 8pm 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 our 24-hour Home Emergency department, please call:
  Telephone: 0845 078 0046.

  Legal Advice

  If you are an existing customer and you need to get legal advice, please contact our 24-hour legal advice line on:
  Telephone: 0870 024 0548.

  To make a legal claim, please write to us at:

  FirstAssist Insurance Services Limited
  Marshall’s Court
  Marshall’s Road
  Sutton
  Surrey
  SM1 4DU

Click here to 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 provided, administered and underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England & Wales at St Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority.