Royal Bank of Scotland Travel Insurance Review and Quotes
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Discover the methodologyIt might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether Royal Bank of Scotland is the right company to go on holidays with?
In this definitive Royal Bank of Scotland review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is Royal Bank of Scotland the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Royal Bank of Scotland travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
4,2 Safe overall rating for Royal Bank of Scotland
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
4 star rating on Defaqto | |
| Cover provided |
Policies available across 3 levels based on account type | |
| Value for money |
Travel insurance cover is available as standard at no extra charge once you open a current bank account | |
| Financial strength | RBS's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority | |
| Technology |
Online application process |
Royal Bank of Scotland travel insurance reviews by expert and consumers
| Review organisation | Royal Bank of Scotland travel insurance reviews |
|---|---|
| Defaqto expert | Black/Premier: 4 |
| TrustPilot | 1,6/5 based on more than 120 opinions |
To check if Royal Bank of Scotland is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
Find the best travel insurance in just a few seconds!
What does Royal Bank of Scotland travel insurance cover?
Royal Bank of Scotland travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
RBS's travel insurance policies are available to individuals, couples and families.
Royal Bank of Scotland single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at Royal Bank of Scotland | |
|---|---|
| Maximum days per trip | Silver: 22 days |
| Maximum age limit | 69 years |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Royal Bank of Scotland:
Policy name | Silver | Platinum | Black/Premier |
|---|---|---|---|
| Defaqto expert rating | No rating | No rating | 4 |
| Excess (if not stated) | £75 | £75 | £75 |
| Medical expenses | £10M | £10M | £10M |
| Trip cancellation / curtailment | £5,000 | £5,000 | £10,000 |
| Delayed departure 12 hours | £20 | £20 | £20 |
| Delayed departure max | £250 | £250 | £250 |
| Baggage & belongings | £1,500 | £1,500 | £2,500 |
| Money including cash | £500 | £500 | £500 |
| Repatriation | £10M | £10M | £10M |
| Personal liability | £2M | £2M | £2M |
| Personal accident (excess £0) | £25,000 | £25,000 | £100,000 |
| Legal expenses (excess £0) | £50,000 | £50,000 | £50,000 |
| Hospital benefit (excess £0) | £400 | £400 | £700 |
| Accommodation cover | £5,000 | £5,000 | £10,000 |
| Pet care (excess £0) | x | x | x |
| SAFI* | Not Stated | Not Stated | Not Stated |
| Medical screening | x | x | x |
| Cruise cover | Standard | Standard | Standard |
| Winter sports | Standard | Standard | Standard |
| Golf Cover | Optional | Optional | Optional |
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Royal Bank of Scotland winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Winter Sports Cover is included as standard across all account types at RBS and it comes with the following benefits:
- Up to £400 ski equipment cover
- Up to £250 ski pack cover
- Up to £200 avalanche cover
- Up to £930 piste closure cover.
What are the other travel insurance options available at Royal Bank of Scotland?
| Travel insurance options at Royal Bank of Scotland | |
|---|---|
| Royal Bank of Scotland golf cover | Optional Golf Cover is available at RBS and it comes with the following benefits:
|
| Royal Bank of Scotland business cover | Optional Business Cover is available at RBS and it comes with the following benefits:
|
| Royal Bank of Scotland cruise cover | Cruise Cover is included as standard. |
| Royal Bank of Scotland gadget cover | Not Available |
| Royal Bank of Scotland other extras | Wedding Cover is also available as an optional upgrade and it comes with the following benefits:
|
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Royal Bank of Scotland before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is Royal Bank of Scotland travel insurance?
You'll find below indicative quotes per level of cover at Royal Bank of Scotland:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Royal Bank of Scotland:
Policy name | Silver | Platinum | Black |
|---|---|---|---|
| Price - 3 days trip - 30 years old - Europe | £10 monthly fee | £20 monthly fee | £31 monthly fee |
Find the best travel insurance in just a few seconds!
It is, however, quite difficult to give precise price ranges as Royal Bank of Scotland travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at Royal Bank of Scotland?
There are no discounts mentioned on the website.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Royal Bank of Scotland.
What else should I know about Royal Bank of Scotland travel insurance?
What are the general exclusions at Royal Bank of Scotland travel insurance?
To be eligible for a travel insurance policy at RBS:
- You must be a UK resident
- You have to have a valid Reward Bank Account at RBS
- You must be transparent about any pre-existing medical conditions of everyone named on the policy
- You must not exceed the period of insurance unless you bought a trip extension cover
- You must be 69 years or below unless you bought an age extension cover
- You must be travelling with the intention to return home.
How do I get travel insurance quote from Royal Bank of Scotland?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Royal Bank of Scotland is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to Royal Bank of Scotland website?
Through the customer portal, you can learn about your benefits, use your benefits online, view your benefits usage history and also make claims. You can click on the customer portal link.
How to claim at Royal Bank of Scotland travel insurance?
There are 2 ways to make a claim and that is either online or through a phone call.
| How to claim on Royal Bank of Scotland travel insurance? | |
|---|---|
| Claim online | To make a claim online, you will need to sign into the customer portal and fill in the online form provided for claims. |
| Claim by phone | 0345 607 5154 (Silver) |
How do I contact Royal Bank of Scotland travel insurance?
Royal Bank of Scotland contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0345 607 5154 (Silver)
0345 609 0456 (Platinum) 0345 2668 801 (Black) | Monday to Friday: 8am to 8pm |
| Emergency Helpline | +44 1252 308 793 | Available 24/7 |
| Legal Cost | 0345 246 2070 | Available 24/7 |
Royal Bank of Scotland other contact details
| Contact details | |
|---|---|
| Address | The Royal Bank of Scotland plc |
| Not Stated |
How to cancel your annual Royal Bank of Scotland travel insurance policy?
You will find below main information to cancel your travel insurance policy at Royal Bank of Scotland:
| How to cancel Royal Bank of Scotland travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by phone | 0345 607 5154 (Silver) |
Our opinion on Royal Bank of Scotland travel insurance
RBS's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
They offer Annual Multi Trip insurance policies as standard across their Reward Bank Accounts: Silver, Platinum and Black. Instead of paying an insurance premium, you only pay a monthly fee of maintaining your Reward Current Bank Account. The period of insurance varies across the levels of covers with Silver covering 22 days per trip, Platinum covering 31 days per trip, and Black covering 90 days per trip. Winter Sports Cover is included as standard across all 3 accounts. The Silver account offers European Travel Insurance while the Platinum and Black accounts offer Worldwide Travel Insurance.
In addition to the travel insurance, you can also enjoy the following benefits when opening a Reward Bank Account at RBS:
- Mobile phone insurance
- Debit card purchases abroad at no extra charge
- UK car breakdown cover
- Discounts on holidays when you book with Platinum Travel Service
- Two free UK airport lounge passes with each Platinum Travel Service holiday booking.
We would recommend Royal Bank of Scotland to anyone looking to open a current bank account that comes with a travel insurance cover as standard.
