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Home insurance with no hidden fees

We won’t charge you admin fees for paying monthly, changing your policy or even cancelling it.

Coronavirus support for home insurance customers

If you're worried about the impact of coronavirus on your home insurance - or what it might mean for you financially - we're here to help.

Find out more

We’re having a Virgin Money makeover

Yorkshire Bank home insurance will soon become Virgin Money home insurance. Online quotes aren’t available at the moment. But don’t worry, you can still get a quote or access your existing quote, just call 0800 197 1612.

  • No hidden fees. Unlike some insurers, we won’t sting you if you pay monthly, make a change or cancel your cover.
  • Get up to £400,000 buildings cover or up to £50,000 contents cover – or take both. And add the extras that matter to you – like accidental damage or home emergency cover.
  • Automatic 10% discount for new home insurance customers – and up to four years no claims discount 3.

Affected by extreme weather conditions?


Practical guidance and how to make a claim

First, choose your core cover

Buildings cover

Up to £400,000 cover for your building and other permanent structure, like garages, fences and gates.

Plus up to £40,000 for alternative accommodation and up to £750 for locks and keys.

Contents cover

Up to £50,000 to cover your home contents against fire, floods, theft – and more.

Plus up to £10,000 for alternative accommodation and up to £7,500 for valuable items (up to £1,500 for each item).

Building and Contents cover

Choose buildings and contents cover for combined protection, all under one roof.

Download policy terms and conditions, including exclusions

Now, add your extras

Once you’ve chosen your core cover, you can add extra cover for complete peace of mind. Limits apply.

Technology & entertainment[4] Link to footnote

Protect electrical items like TVs, cameras, musical instruments, computers, iPods, and even music and film downloads – all covered 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

Protection for your contents only, buildings only 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[4] Link to footnote

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 items.
Maximum sum insured Up to £10,000 For loss or damage to unspecified personal items in the British Isles and temporarily outside the British Isles for up to 60 days
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[4] Link to footnote

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 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

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.

Footnotes

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

View our terms & conditions including policy exclusions (PDF, link opens in a new window)

Contact us

Sales and customer service

To speak to our sales and customer service teams, please call RSA on 0800 197 1612
(open Monday to Friday, 9am-6pm, and Saturday, 9am-1pm).

Or write to our customer service team at:

Yorkshire Bank Customer Services
RSA
Lynchwood Park
Peterborough
PE2 6GG

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 Monday to Friday, 8am to 8pm, Saturday, 9am to 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 Home Emergency department, please call 0345 078 0045.

Legal advice

If you are an existing customer and you need to get legal advice, please contact the legal advice line on:

Telephone: 0330 100 6447 .

To make a legal claim, please write to:

Arc Legal Assistance Limited
The Gatehouse
Lodge Park
Lodge Lane
Colchester
CO4 5NE

View our terms & conditions including policy exclusions (PDF, link opens in a new window)

The offer of insurance is subject to eligibility criteria and applicants must be aged 18 or over. Terms and Conditions apply. Virgin Money is a trading name of Clydesdale Bank PLC. Virgin Money Home Insurance is administered and underwritten by Royal & Sun Alliance Insurance Ltd. (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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