Home Insurance - Insurance and Protection | Ulster Bank

A row of terraced housed

Home Insurance

Home sweet home cover

Call us for a quote

Get in touch

Call 0800 051 0502

 

Lines are open:
Mon to Fri 8am - 8pm
Sat 9am - 5pm
Sun 10am - 5pm
Bank Holidays 9am-5pm
(excluding Christmas Day, Boxing Day, New Year's Day and Easter Sunday).

Calls are answered by U K Insurance Limited on behalf of Ulster Bank and may be recorded. Calls from mobile phones may not be free.

U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England and Wales. Registered No. 1179980.

Underwritten by U K Insurance Limited. Only available to residents in Northern Ireland. Over 18s only.

Home Insurance Features and benefits

Our cover takes care of the finer details, so you don't have to worry.

 

Young boy sitting on sofa with headphones on

Cover for accidental damage available

A wallet on the ground

Cover for accidental loss of money available

Laptops, iPads and tablets covered when in the home

New for old replaced - no deductions for wear and tear (contents cover only)

 

See our Home Insurance Policy booklet (PDF) for more information.

Giving you peace of mind Fix your home insurance price for 3 years

When you take out a home insurance policy with us we’ll fix the price for the next two renewals so you’ll know exactly what you’ll be paying.

You’ll get high levels of cover too, our buildings and contents insurance (underwritten by U K Insurance Limited) has been rated 4 Star by independent financial research company, Defaqto. What’s more, we’ll always be there when you need us, with an emergency helpline available 24/7, 365 days a year.

With the price fixed for three years, it’s one less thing to worry about.

 

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period.

Helpful information Home insurance explained

Whether you need buildings cover, contents cover or a combined policy, we can help.

Buildings cover

 

A row of houses More on buildings cover
Home Insurance Buildings cover

Buildings insurance covers the structure, fixtures and fittings of your home, for example, roof, walls, ceilings, floors, doors and windows, fitted kitchens, built-in cupboards and bathroom suites.

Most buildings insurance policies will also cover certain outdoor structures such as sheds, garages, gazebos and greenhouses.

Is buildings insurance compulsory?

If your property is mortgaged then your lender will require you to have adequate buildings insurance in place to help safeguard their investment in your home.

If you rent, buildings cover should be handled by your landlord.

  

Contents cover

 

More on contents cover
Home Insurance Contents cover

Contents insurance is designed to cover your belongings. As a general rule, your contents are the things that could be taken with you if you decided to move house, for example, beds, furniture, TVs, clothes and jewellery.

Is contents insurance compulsory?

No. Unlike buildings insurance (which may be required by a lender before you can have a mortgage) contents insurance is completely optional, but a sensible idea.

  

Combined cover

 

More on combined cover
Home Insurance Combined cover

A combined policy consists of both buildings and contents cover and is only suitable for people who own their homes.

  

Existing Home Insurance customers

Got a cover query?

For full details of cover see our Home Insurance policy document below.

Home Insurance policy document (PDF)

Need to make a claim?

A few simple steps to follow if you need to make a claim on your home insurance policy.

How to make a claim
Home Insurance How to make a claim

Here are a few simple steps to follow if you need to make a claim.

Call 0345 877 6703
and press option 2 to make a claim

 

Lines are open:
Mon to Fri 8am - 8pm
Sat 9am - 5pm
Sun 10am - 5pm
Bank Holidays 9am-5pm
(excluding Christmas Day, Boxing Day, New Year's Day and Easter Sunday).

At all other times an out of hours emergency service will be available.

We will register your claim straight away and answer any queries you may have – any estimates, bills or evidence of value can be sent to us afterwards. If the customer claim line is closed, don’t worry your claim won’t be affected, just call us when it’s open.

Involving the Police
You should tell the police immediately of any loss involving deception, theft, malicious acts, riots or if any property has been lost outside the home.

If a claim is being made against you
If a claim is being made against you for damage or injury, you must not admit, deny, negotiate or settle a claim and send us any letter, claim, writ or summons in connection with the claim as soon as you receive it.

Calls are answered by U K Insurance Limited on behalf of Ulster Bank and may be recorded. Calls from mobile phones may not be free.

Protecting your money

If anything happens to us and we cannot pay valid claims or return your premium on your insurance policy, then the FSCS will pay 90% of your claim on your home insurance and 100% on your life insurance, with no upper limit. 

Further information is available here (PDF) or visit www.fscs.org.uk.

Home Insurance Ready to apply?
Call us for a quote

Get in touch

Call 0800 051 0502

 

Lines are open:
Mon to Fri 8am - 8pm
Sat 9am - 5pm
Sun 10am - 5pm
Bank Holidays 9am-5pm
(excluding Christmas Day, Boxing Day, New Year's Day and Easter Sunday).

Calls are answered by U K Insurance Limited on behalf of Ulster Bank and may be recorded. Calls from mobile phones may not be free.

U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England and Wales. Registered No. 1179980.

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