Royal Sun Alliance Home Insurance Review and Quotes
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Discover the methodologyWould you like to protect your home against any damage or an unfortunate event such as a house fire or theft?
Are you wondering if Royal Sun Alliance is the best home insurance company to protect your house?
You’ve come to the right place.
This ultimate and up-to-date review on Royal Sun Alliance home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.
Is Royal Sun Alliance the best insurance company for you?
Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.
At Safe, we’ve studied in detail Royal Sun Alliance's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
4,4 Safe overall rating for Royal Sun Alliance
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
24/7 home emergency helpline | |
| Cover provided for your home |
Contents maximum sum insured of £100 000 | |
| Value for money |
Contents insurance can be gotten from £45 a year | |
| Financial strength | The home insurance provided by RSA administered by More Than which is a part of the RSA Group (Tower insurance) | |
| Technology |
The website is user friendly and well detailed |
Expert and customer satisfaction reviews for Royal Sun Alliance home insurance
| Review organisation | Royal Sun Alliance home insurance reviews |
|---|---|
Defaqto expert | Primary Cover: 3 stars |
| TrustPilot | 4,3/5 based on 10,376 customers reviews |
| Overall Which? Score | 64% |
Our general opinion on Royal Sun Alliance home insurance
RSA Insurance Group plc is a British multinational general insurance company that was founded in 1996. It has its head office in London, United Kingdom. RSA provides services like personal accident, motor, home shield, travel, fire, public and product liability, and fidelity guarantee insurance. Royal & Sun Alliance Insurance serves customers worldwide with more than 140 countries through a network of local partners and on their website, the Home Insurance option can be administered by either More Than or John Lewis Insurance Companies. For this review, More Than was chosen.
More Than is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Their policies are underwritten by Royal & Sun Alliance Insurance plc. RSA Home Insurance cover which is administered by More Than provides 2 levels of cover which are the Primary Cover and Upgraded Cover. Both levels of covers have a 3 star rating on Defaqto.
For the primary cover option, a sum of £30 000 is given for alternative accommodation, while the upgraded cover offers a sum of £100 000, £1000000 is given for building insurance, trace access is only available on the upgraded cover, cover is not provided for flood storms, underground services.
For content insurance, £15000 is offered for alternative accommodation, Optional extras like home emergency, legal protection services are offered.
On the More Than website, claims can be taken out online, it makes the claims process faster and easier. The website can be easily navigated and information provided is well detailed. Their services are recommended as they have a high capacity to pay out claims and their claims process is easy.
What does Royal Sun Alliance home insurance cover?
What is more important than protecting your home – the roof under which you sleep with your loved ones?
Applying for home insurance at Royal Sun Alliance will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).
Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.
Home insurance at Royal Sun Alliance covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
Royal Sun Alliance buildings and contents insurance
Royal Sun Alliance provides three main types of household insurance:
- Buildings insurance
- Contents and personal possessions insurance
- Combined policy
Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.
Good to know
If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.
Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.
Good to know
House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.
In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.
You will find below policy details for building and contents insurance:
| Royal Sun Alliance building insurance | Limits |
|---|---|
| Maximum sum insured | £1 000 000 |
| Owner liability | £1 000 000 |
| Alternative emergency accomodation | Primary Cover: £30 000 |
| Period of home's unoccupancy cover | 60 days |
| Repairs guarantee period | 1 year |
| Trace and access | £5000 (upgraded building cover) |
| Burst pipe | As standard |
| Blockage of sewer pipe | Not covered |
| Gradual build-up of groundwater | Not covered |
| Subsidence | As standard |
| Underground services | Not covered |
| Keys cover | £1 000 |
| Flood and storm damage (except for fences) | Not covered |
Good to know
Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).
Let’s have a look now at Esure contents insurance limits:
| Contents insurance | Limits |
|---|---|
| Maximum sum insured | £1 000 000 |
| Owner liability | £1 000 000 |
| Alternative emergency accomodation | £15 000 |
| Period of home's unoccupancy cover | 60 days |
| Damage made by pets | Not covered |
| Contents kept in garden | £2 000 (optional) |
| Contents kept in outbuildings (garage included) | £100 000 |
| Thefts from outbuildings | £3 000 |
| Single item limit for valuables | £999 |
| Items temporarily removed from home | £11 250 (optional) |
| Money in and outside the home | Inside: £500 Outside: 500 (under personal possessions cover - optional extra) |
| Credit cards in and outside the home | Inside: £500 Outside: 500 (under personal possessions cover - optional extra) |
| Business equipment kept at home | £7 500 |
| Student equipment | 11 250 (optional) |
| Keys cover | £1 000 |
Royal Sun Alliance home insurance additional cover
On top of your Royal Sun Alliance buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Optional extra |
| Home emergency |
|
| Boiler cover |
|
| Legal protection |
|
| Personal possessions |
|
| Mobile cover |
|
| Bicycle cover |
|
Royal Sun Alliance home insurance excess
The deductible you'll have to pay in case of claims are as described below:
| For both building and contents insurance | |
|---|---|
| Excess for standard claims | £50 - £500 |
| Excess for escape water claims | £350 |
| Excess for subsidence claims | £1 000 |
| Excess for personal possessions | £50 - £500 |
| Excess for keys | £25 |
Royal Sun Alliance home insurance fees and NCD
To manage your policy, renew, cancel or modify it, Royal Sun Alliance fees are as follows:
| Fees applied to manage your Royal Sun Alliancehouse policy | |
|---|---|
| Interests on payment installments | 23,62% |
| To renew my policy | £0 |
| To adjust my policy | £0 |
| To duplicate documents | £0 |
| To cancel my policy during cooling-off period | £0 |
| To cancel my policy outside cooling-off period | £0 |
| For payment default | £0 |
| To switch from one insurer to Royal Sun Alliance | Not covered |
How much does Royal Sun Alliance home insurance cost?
You will below indicative quotes for building and contents insurance at Royal Sun Alliance:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | £50 - £500 | £50 - £500 |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £152,57 | £299,36 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at Royal Sun Alliance as it will mainly depend on:
- The insurance you apply for (building, contents, combined insurance, extras)
- Your address
- Your claim record
- The insured value of your home and of your personal belongings, etc.
Royal Sun Alliance will establish a risk rate, taking into account all these elements, and offer you a price based on it.
The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.
Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.
Royal Sun Alliance home insurance discounts available
Discount is given for buying combined policy.
How do I a claim on Royal Sun Alliance home insurance?
Claims can be made by either submitting the online form or calling the company's claims service.
You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.
| How to claim on Royal Sun Alliance home insurance? | |
|---|---|
| Claim online | |
| Claim by phone | 0330 100 7783 |
Good to know
If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.
How can I cancel Royal Sun Alliance house insurance?
To cancel your Royal Sun Alliance house insurance, here is what you need to know:
| Cancelling your home insurance at Royal Sun Alliance | |
|---|---|
| Cancellation notice if Royal Sun Alliance cancel your policy | 14 days |
| Cancellation fees | Fees during cooling-off period: £0 Fees outside cooling-off period: £0 |
| Cancel by mail | MORE THAN Customer Relations Team |
| Cancel by phone | 0330 100 7783 |
How to contact Royal Sun Alliance home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Claims / Customer service | 0330 100 7783 | Mon - Fri: 9am – 5pm |
| Home Emergency Helpline | 0800 300 684 | 24/7 |
| Legal Advice Line | 0800 300 688 | 24/7 |
Royal Sun Alliance home insurance contact details
| Royal Sun Alliance contact details | |
|---|---|
| Royal Sun Alliance address | RSA Insurance Group Plc |
| Customer service email | Contact form available online. |
| Chatbot available | Not available |
How do I log in to Royal Sun Alliance customer portal?
The Login option is not available however the "Existing customers" option can be used to access and modify an already existing account. it can be accessed here: Login
How do I get Royal Sun Alliance home insurance quotes?
To get a quote online at Royal Sun Alliance, it couldn’t be simpler.
You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Royal Sun Alliance is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.
To get Royal Sun Alliance home insurance quotes, you will need to provide:
- Your personal information: ID, age, phone number and job
- Your address and postcode
- Your homeowner record (claims included)
- Your home description (type of property, the date it was built, how many square metres inside and outside)
- Your property related status: do you own it, rent it, have a mortgage on it, etc.
- Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.
The types of questions you will be asked are typically:
- Are you a first-time buyer?
- Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
- Has the property ever been damaged by flood?
- Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.
5 tips to reduce your Royal Sun Alliance house insurance quote
- Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
- Increase the excess amount you are willing to pay in case you make a claim.
- Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
- Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
- Consider index-linked cover for building insurance to follow prices of building materials.
