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We provide great cover and value for money Home Insurance to RMT members and their families. Choose from either our Flexi or Signature policies to protect your home and valuables.

Why choose us?

  • We don’t charge extra for paying monthly by direct debit
  • Our accidental damage cover includes damage to laptops, games consoles and TVs
  • Accidental breakage of windows covered as standard (Buildings cover)
  • 'New for old' replacement as standard (except clothing and household linen)
  • Our cover includes alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event

To find out more about our Flexi and Signature Policies, including what is and what isn't covered and information about payments, please read below:

UIA Mutual Flexi Home Insurance Product Information Document (IPID)

UIA Mutual Signature Home Insurance Product Information Document (IPID)

Our Flexi Cover is designed to be flexible, allowing you to choose additional cover should you need it. Our optional extras include:

Home Emergency

If you find yourself in a home emergency, our Home Emergency Cover means we will appoint a suitably qualified contractor to visit your home. We cover the costs (within policy limits) by paying their bills, including parts, labour and call out charges. For more information about what is and what isn't covered under our Home Emergency Cover, please read our Home Emergency Cover Insurance Product Document (IPID)

Home Emergency Cover Videos

Legal and Identity Theft Protection

We will cover you and family members living with you, for up to £50,000 should you be involved in a legal action such as boundary and neighbour disputes or contract (employment) disputes, or any claims regarding faulty goods or services.For more information about what is and what isn't covered under our Legal and Identity Theft Protection Cover, please read our Legal and Identity Theft Protection Insurance Product Information Document (IPID)

Legal Protection & Identity Theft Cover Videos

Accidental Damage Cover

Find out what accidental damage cover in your home really looks like. Our accidental damage covers accidents and mishaps within your home. We’ll fix or replace your TVs, laptops, mirrors and furniture as standard.

Alternative Accommodation

From Cornwall to Scotland or even further afield in Europe, if the damage to your home means you cannot live in it, we’ll cover the cost of your accommodation as long as it’s within your policy limit.

Annual Travel

Get annual travel insurance for the whole family for just £24 (European travel only). Cover includes you, your partner and your dependent children aged under 18.

For more information about what is and what isn't covered under our annual Household Travel Insurance, please read our Annual Household Travel Insurance Product Information Document (IPID).

Signature Cover includes Home Emergency Cover, Legal and Identity Theft Protection and Annual Travel Cover as standard.

If you’re looking for either Buildings Insurance or Contents Insurance only, we offer great cover and optional extras.

CWU, FBU, GMB, NASUWT, RMT, UNISON, UNITE, USDAW, Ramblers' Association, BFAWU, and NAPO are Introducer Appointed Representatives of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd. UIA Mutual is a trading name of UIA (Insurance) Ltd. UIA (Insurance) Ltd is a member of the Association of British Insurers and is a registered society under the Co-operative and Community Benefit Societies Act 2014. UIA (Insurance) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. CWU Insurance, Unite Insurance and Usdaw Insurance are trading names of UIA (Insurance) Ltd and UIA Insurance Services Ltd. Principal Office Address: Kings Court, London Road, Stevenage, Hertfordshire, SG1 2TP