Clearchoice home insurance

On 7 December 2023, RSA announced its strategic decision to exit the UK Personal Lines market. This requires us to exit all Personal Lines distribution arrangements at the earliest opportunity. This decision includes the exit of the Clearchoice product.

As a result, we will be closing the Clearchoice product to new business from 1 June 2024 and to renewals from 1 July 2024.

Yes. The Preferred Choice product closed to new business on 1 June 2024 and to renewals from 1 July 2024.

Yes, RSA will only accept new business up to 11:59pm on 31 May 2024. From 12:01am on 1 June 2024 onwards, you will no longer be able to transact any new business. Any new business transmitted or quoted, whether in error or otherwise, on or after this time will not be honoured by RSA.

Similarly, you will only be able to renew existing policies with a renewal date up to 11:59pm on 30 June 2024. Policies with renewal dates after 12:01am on 1 July 2024 will not be renewed at their policy renewal date.

For policies effective after the above new business and renewal exit dates, business will need to be placed with another insurer.

RSA cannot offer to insure any risk with an effective date of 1 June 2024 or after. We will honour any guaranteed quote as long as the effective start date of the policy cover is 31 May 2024 or before.

Any Mid Term Adjustments that are required between now and the end of the policy term will be treated in the usual manner.

Yes, we will automatically lapse your customer’s policy at their renewal. Up until 11:59pm on their expiry date, they will still be covered under their Clearchoice policy.

No, it’s simply that we are not able to offer a renewal on the current policy following our decision to no longer provide the Clearchoice product.

If your customer is not responding or isn't contactable, the policy will lapse at the end of the policy term.

We would suggest that you follow up with the customer on a regular basis before the policy is lapsed, reminding the customer that they will need to find alternative cover to ensure their home is insured following the renewal date. They may have an obligation to have cover in place as part of any mortgage arrangements.

No, any open claims or claims that occur between now and the end of the policy term will be treated in the usual manner.

Any open or new complaints will be treated in the usual manner.

You can access them higher up this page, in the Downloads and documents section.