Royal Bank of Scotland Home Insurance Reviews

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Royal Bank of Scotland Home Insurance

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Latest Reviews

★☆☆☆☆

“DISGRACEFUL DO NOT PLEASE USE THIS COMPANY”

Written on: 01/12/2017 by carolynemableson (1 review written)

We had the premier cover when we were flooded with an underground pipe over Xmas. We were treat absolutely disgraceful, everything was challenged in a very, very rude manner. We had no power whatsoever for 5 days over xmas, no offer of alternate accommodation even though it was supposedly included. Would take pages to include all the complaints we had. But in a nutshell AVOID THIS COMPANY… Read Full Review

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★☆☆☆☆

“Complete Nightmare”

Written on: 03/11/2017 by Delaneybl115 (1 review written)

I have never come across such a poor insurance company , Cunnigham Lindsay had been appointed by RBS after my In laws had a roof collapse . They had been insured for 25 years without a claim , a year later still not settled . I will never use RBS again… Read Full Review

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★☆☆☆☆

“Don't trust RBS Elite Insurance.”

Written on: 28/06/2017 by Skyla124 (1 review written)

One clain in over 20 years with RBS Elite Home Insurance, a leak in the bathroom, extensive damage! New Bath, flooring, and other work. Tried to get me to take a cash settlement of £840, less excess of £350 = £490 to do a bathroom. What a joke. Suffice to say I am no longer with RBS!… Read Full Review

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★☆☆☆☆

“Dire service!!!! Called first thing in morning to get...”

Written on: 22/08/2016 by nuSelf346 (1 review written)

Dire service!!!! Called first thing in morning to get help as water was flooding in through roof...RBS insurance called back at 4.50pm to say they could not help due to my location, and to get my own tradesman. I live on the mainland and was never told when I took the policy out 12 years ago that my location could be a problem. Quick to take policy payments but no help when really needed....have NEVER claimed before AND WILL BE CANCELLING POLICY ASAP… Read Full Review

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★☆☆☆☆

“RBS thhe worst attitude towords customer I have ever come”

Written on: 21/02/2015 by DayanaPhillips66 (1 review written)

Happy to take our monthly payments. But when it comes to making a claim they simply are not interesrted. Their assessment process is long winded and time consuming and they really dont want to play ball when it comes to making a full and fair payment. RBS are a terrible company with a terrible attitude. Unwilling to listen to your point of view and treat you as if you are stupid. At times when trying to make a claim on our my insurace due to contents of our home being stolen it has felt as if… Read Full Review

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★☆☆☆☆

“Elusive !”

Written on: 12/08/2014

I changed my buildings cover to RBS after years of being with L&G , what a mistake , months later what I percieve is a simple claim is still not resolved. It is impossible to get through on the phone , then the admin team have the audacity to write and say that they have not been able to contact me by phone !! When I did get to talk to someone "the floods" are still being blamed for the back log. When the phone line rings it clears before it gets answered. The rep in branch is quick to sell you… Read Full Review

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★☆☆☆☆

“Mis sold and hs takien 4 months to claim, and still...”

Written on: 26/04/2014 by 480Duckworth (1 review written)

I asked for a rental flat insurance, they sold me the wrong one and reassured me it was right. Then when I claimed after many months they agreed they had missold. The repair cost was agreed, and it is now two months I am still waiting for the payment of the agreed sum to be sent to me. The call centre is one of the worsr, it always claims they are so busy and put you on hold for average of 70 minutes playing music. I have tried it all times between 9 am and 5 pm, it is the same delay. At the… Read Full Review

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★☆☆☆☆

“Totally useless if you have a claim.”

Written on: 14/03/2014 by Disillusionedohyeah (1 review written)

I put in a claim at the end of January. They apparently didn't receive the invoice so faxed a copy and have since then spent hours on hold on the phone (countless lunch hours) and can't even get to speak to someone due to a high volume of calls. Downside to cordless phones you can only be on hold for so long before they go flat!! - back to square one!!! next week is going to consist of sitting in the bank managers office and writing to newspapers. Totally understand they busy with below the… Read Full Review

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★☆☆☆☆

“RBS Worst Home Insurance Ever”

Written on: 11/03/2014 by Laci413 (1 review written)

After my pursuaded me to take out home insurance with them i said one of the most important things is that i have good cover on computers, laptops and PDA`s as everyone in my house has them, they said they only cover upto £750 so i would have to pay extra to raise my protection to £3000, I said i was happy to do this and that it would cover accidental damage and breakdown, well unfortunately one laptop died and they replaced it, but a second one died and they took this one away and sent it to… Read Full Review

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★☆☆☆☆

“first claim disaster”

Written on: 27/02/2014 by seasidesuzy (1 review written)

Almost 12 years ago I was persuaded by my friendly RBS manager to change from my home insurance company (from whom I had never claimed & had 70% no claim discount) to the RBS with the promise of a much better deal & service). I changed to RBS home & contents policy and bitterly regret my decision. Widowed & in poor health every penny counts & I thought I was in safe hands with my bank. In Feb/March 2005 my newly refurbished home (major works, New roof, New floors, completely new interior & the… Read Full Review

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★★☆☆☆

“Can,t get through on phone to claims department”

Written on: 15/01/2014

I had storm damage managed to phone and get someone to tell me what to do at RBS claims department... Got the job done and paid the roofer what I owed him. I sent my letter with receipt of job finished for roof to RBS Ten working days they said I would get my money back no problem... I am still waiting... What really gets me ANGRY, is I have spent a fortune phoning them and cant get through to speak to anyone about the matter... Does anyone actually work in these call centres... Yes there will… Read Full Review

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★☆☆☆☆

“Avoid Avoid Avoid ”

Written on: 29/04/2013

RBS Home Insurance is an utter waste of time. really really regret having a policy with them. Had a leak in the bathroom, initially the response was good, on the phone at least. The problems began when they started repairing damp. They use multiple firms to fix the problem but mainly Rainbow who employ mostly children and FFDR. Call centre is all words no action, we are 3 months plus into the claim and things are worse than when we phoned them. They don't give a toss, looking forward to seeing… Read Full Review

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★☆☆☆☆

“SHOCKING”

Written on: 22/01/2013 by markcolby66 (1 review written)

my boiler broke down on saturdsay,we called our normal guy who services our boiler to make sure it was not a simple fault,but it was the pcb board,so then rang the tbs for their homecare cover,baring in mind it was freezing cold,five inches of snow outside and having a complete downstairs of tiled floor it was pretty cold,our guy also ordered a pcb board and left at the plumb centre near us in case they did not have one on board,although they did say they would email company to let them no… Read Full Review

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★☆☆☆☆

“Awful, awful, awful...”

Written on: 14/05/2012

Have been an RBS customer for several years and it was only when we needed to make made a claim when our gable end collapsed due to storm damage (not an insignificant amount!) that we realised how incompetent, useless and unhelpful they are. The night it happened we couldn't get through to anyone. Once we got through the loss adjuster appointed by RBS decided it wasn't a storm and stopped all work and cleared off on a Friday afternoon without telling us leaving us to sort EVERYTHING… Read Full Review

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Anotherrbsinsurance_Scam's Comment

Written on: 26/09/2012

The secret is in in he name....
Definition of loss adjuster - someone employed as an agent acting for an insurer who "adjusts the loss" down in the insurers favour.

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★☆☆☆☆

“Shocking customer service. DO NOT BUY INSURANCE FROM RBS.”

Written on: 28/02/2012 by harryajames (1 review written)

Tried to contact RBS by phone in connection with roof damage sustained during the bad storm at the beginning of the year. Kept trying for three weeks to no avail. On one occasion tried for four hours. Changed insurance and am now paying less than half for the same cover… Read Full Review

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★☆☆☆☆

“RBS Insurance WARNING”

Written on: 11/01/2012 by dubbers (5 reviews written)

Please do not use RBS for insurance they are dreadful, they are not an insurance company as I understand the term to mean, everything is farmed out to agents, if you complain you have to go through their… Read Full Review

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Dubbers's Response to dubbers's Review

Written on: 11/01/2012

Please do not use RBS for insurance they are dreadful, they are not an insurance company as I understand the term to mean, everything is farmed out to agents, if you complain you have to go through their "customer relations" who have no clue how to relate to customers and in my case are nothing to do with the actual claims department so therefore cannot address my complaint fully and seem to think sending an ad hoc cheque for 20 quid will resolve the issue ahem no what i want is my insurance claim to which I am entitled through the policy I have paid for resolved. I am facing the prospect of a long and arduous journey in my current claim if the past 3 weeks are anything to go by and have already contacted the ombudsman and FSA to ensure my concerns are recorded. I would not wish them on my worst enemy and if my review can help ensure that even one person avoids this company then it is worthwhile. I will be asking detailed questions of any future insurer on how they deal with claims and I will also look very carefully at their complaints statistics. They have failed for me in every aspect of my current claim from assessing right through to their customer "service" if they fail on basic communication then they are unlikely to deliver on all the rest of their promises

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Modaud's reply to Dubbers's Comment

Written on: 09/11/2013

I agree, going through a total loss claim right now. Sent my complaint to their 'Claims Customer Relations Team' and they admitted to me they haven't even looked at it. They leave it all up to a 3rd party loss adjusters. AVOID THEM AT ALL COST. Bear in mind they are underwritten by DIRECT LINE. Even RBS are trying to get rid of them by selling this TOXIC insurance underwriters.

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★☆☆☆☆

“Robbing b'stards, DO NOT USE RBS!!!”

Written on: 15/09/2011

We recently had to make a claim for a laptop that was stolen along with all the accessories such as external HDD etc. When we first made the claim (and after providing them with the full crime ref no) they simply said we cannot cover it as we do not have original packaging or reciept!!! this laptop was 18 months old, of course we do not have the original packaging or reciept, luckily i was able to log onto my amazon account and retrieve the order conformation. When i originally ordered the… Read Full Review

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★☆☆☆☆

“Worthless home insurance cover”

Written on: 28/05/2011 by w5biker (3 reviews written)

Two bicycles were stolen from my garage, Bank of Scotland home insurance refused to pay out because the bikes weren't named on the policy - they weren't mine, I was just storing them temporarily for my brother who was in the process of moving house. You only find out how good an insurer is when you need to claim - Bank of Scotland policies are worthless! I have had contents cover for 12+ years and never made a claim and feel that it was turned down for the most spurious reasons.. I will be… Read Full Review

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★☆☆☆☆

“I've had to make 2 claims in the last 5 years. Once...”

Written on: 04/05/2011

I've had to make 2 claims in the last 5 years. Once for a destroyed pda and the second time for flood damage. Both times they failed to provide the like for like replacement policy I was paying for.
For standard home furnishings they seem fine - although they are currently trying to get me to accept only £100 for a £400 set of curtains. However, for electronic equipment their technical specialists are simply con artists. I'm a computer expert and have high end gear. Their replacement offers are… Read Full Review

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★☆☆☆☆

“Been with RBS for two years. Changed insurer this year...”

Written on: 10/04/2011

Been with RBS for two years. Changed insurer this year because got cheaper quote elsewhere. Pay for the insurance on monthly basis by Direct Debit. At the end of the 12 month term cancelled the Direct Debit. RBS want to charge me one month payment on new term and then cancellation fee. The help line insisted they were was no negotiation UNLESS I took a new insurance with them. These people are crooks. Please do not use RBS insurance unless you have a law degreee and are prepared to fight for… Read Full Review

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