Excellent product, exceptional service

Clearchoice is our standard e-Traded home insurance product, honed over many years to provide flexible cover that suits almost all households – with up to 95% eligibility.

Underwriting Magenta

Exceptional claims team

Our claims team sets this product apart: we manage the entire process end-to-end, and aim to resolve every claim as quickly and efficiently as possible.

Integration Magenta

Strong appetite

With 95% eligibility, this product spans a huge section of the market – and is suitable for most home insurance customers.

Coins Stacked Magenta

Competitve pricing

We’re focused on delivering great value to your customers and the right level of commission for you as the broker.

Handshake Magenta

Flexible trading

e-Trade this product with Full Business Cycle EDI functionality through the most popular software houses.

Extensive cover, plenty of benefits

Clearchoice offers significant levels of cover as standard and includes the option to add extras and adjust excess amounts, to suit your customers’ needs.


  • Standard buildings cover up to £1,000,000
  • Trace and access up to £5,000 as standard
  • Up to 20% of sum insured for alternative accommodation


  • Standard cover up to £75,000
  • High risk items total limit of £25,000
  • Contents in garden up to £2,000

All policies

  • 24-hour Home Emergency Assistance helpline and call-out up to £250 for any one claim
  • Home Care Service, covering items like lost key replacement and damaged shrubs and trees
  • £250 escape of water excess

Optional extras

  • Accidental damage for both buildings and contents
  • Unspecified personal belongings, including pedal cycles up to £500
  • Specified personal belongings/valuables over £2,500
  • Legal expenses cover up to £50,000

Discounts available

  • Up to 25% no claims discount
  • Reduction for taking both buildings and contents together
  • Increasing voluntary excess amounts

e-Traded home insurance with the RSA difference

Easy to trade

Along with excellent underwriting and sales support, we offer FBC EDI enabled products.

Dedicated trading team

Our regional expertise builds strong relationships and helps you to grow your business.

Expert underwriters

Our specialist team of underwriters are available to talk through any specific risks or questions you may have.

Fast, efficient claims

Our claims team is experienced and responsive – acting quicky and decisively when you need it most.

Business appetite

This product is suitable for a wide range of people – see below for our specific target customers.

  • Examples we target and are at our most competitive for include:

    • Standard buildings cover up to £1,000,000
    • Standard cover up to £75,000

Case study

Learn more about how we help customers, even when they’re not covered.

  • Looking after our customers’ needs doesn’t just mean paying claims. Sometimes we go a little bit further.

    A complex and stressful situation
    When a 75-year-old customer suffered loss of oil from an underground pipe under his house, a property outside of his boundary was damaged, and he found himself in a complex and stressful legal position.

    A member of our claims team contacted the customer to reassure him that a liability claim could only be successful against him if he could be proven negligent; and that in this case there were no grounds for negligence.

    Clean-up costs, regardless of liability
    However, the Environment Agency issued a statutory charge for the clean-up costs, which further complicated the issue. This charge was applied regardless of liability, and could not be reclaimed under the terms of his policy.

    RSA negotiates to get costs waived
    We contacted the Environment Agency with our customer’s permission and persuaded them not to pursue the statutory charge and the costs were waived.

    Expertise makes the difference
    We went the extra mile for our customer, identifying his concerns and using our expertise and negotiating skills to help, even though the costs would have been excluded from the terms of his policy. That’s the RSA difference.


Downloads and documents

View and download policies, application forms and more.

Get a quote online

This product is available on the most popular software houses – search for ‘RSA – Clearchoice’.

Any questions?

Our specialist teams are here to help.

Personal Lines Intermediated Broker Account Management Team


Related products and services

Preferred Choice

Bespoke personal home insurance for individuals with higher value assets, providing cover for buildings, contents or combined.

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Why RSA?

People. Products. Claims. Three reasons we’re still thriving after more than 300 years as a general insurer.

Learn more

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