Compare RSA Life Insurance Quotes Against The Market

Founded in 1710, RSA is one of the world's oldest insurers. In a major strategic move, the company began a full rebrand to Intact Insurance (its Canadian parent company) in late 2025, with the transition expected to be complete across all UK operations by the end of 2026.

Important: RSA does not currently offer direct individual life insurance to the general public in the UK. Instead, they focus on commercial insurance and specialised personal lines, such as military kit insurance and tenants' contents cover, often acting as the underwriter for other major brands like Nationwide and Tesco.

At a Glance: RSA (Intact Insurance)

• Current Status: Rebranding from RSA to Intact Insurance

• Primary Focus: Commercial, specialty, and niche personal insurance

• Military Specialist: The primary underwriter for PAX Kit & Contents insurance for the Armed Forces

• Claims Record: A large-scale general insurer with mixed customer service reviews, currently focusing on a One Commercial technology-led claims strategy

• Best For: Businesses, military personnel, and customers of retail partners where RSA acts as the underwriter

Types of Protection Offered

While RSA is a giant in general insurance, its protection products are largely focused on physical assets and specific professional liabilities.

1. Military Kit & Contents (PAX)

RSA is widely recognised as the underwriter for the PAX Kit scheme, essential for UK service personnel.

• Worldwide Protection: Covers military uniforms and equipment anywhere in the world, including during transit and on deployment

• Specific Military Risks: Includes March Out liability and cover for kit stored in Single Living Accommodation (SLA), which standard policies often exclude

2. Commercial & Liability Insurance

RSA/Intact is a top-four UK commercial insurer, providing complex protection for businesses.

• Professional Indemnity (PI): In late 2024, they launched a specialised Climate Professionals PI product for consultants advising on net-zero goals

• Management Liability: Protects directors and officers (D&O) from personal liability arising from business decisions

3. Tenants Contents Insurance

A streamlined personal insurance product designed specifically for those renting their homes, focusing on affordability and ease of setup.

Pros and Cons

The Pros

• Unrivaled Heritage: Over 310 years of experience in managing complex risks and large-scale claims

• Specialist Military Expertise: One of the few UK insurers that truly understands the unique requirements of the British Armed Forces

• Technological Investment: Under the Intact brand, the company is investing heavily in AI and tech to speed up claims resolution times

• Global Capacity: Able to write multi-national solutions for large corporate clients across the UK, Europe, and North America

The Cons

• No Direct Life Insurance: You cannot buy a standard individual life or critical illness policy directly from the RSA/Intact website 

• Mixed Service Reputation: 2026 Trustpilot reviews (averaging around 1.5 to 2 stars) highlight significant customer frustration with claim delays and obstructive communication

• Complex Rebrand: The transition from RSA to Intact may cause temporary confusion for customers regarding contact points and policy documentation

Customer Consensus

RSA/Intact faces a challenging public perception regarding its claims handling for retail customers.

• The Positives: Employees generally report a positive work culture (rated 3.8/5 on Indeed), noting supportive managers and good benefits for staff. Professional brokers often value RSA for its technical expertise in commercial and specialty lines

• The Negatives: Many customer reviews describe a nightmare experience with claims, specifically regarding subsidence and water leaks. Customers have complained about AI-generated rejection emails and a lack of human compassion during stressful periods

How Our Life Insurance Advisers Can Help

Because RSA does not offer direct life insurance, many customers who think they have an RSA life policy are actually dealing with a retail partner or hold an older legacy plan. Our team of independent life insurance advisers can help you navigate this. We provide:

• Underwriter Identification: If you have a policy through a bank (like Nationwide) or a brand (like More Than), we can identify if RSA is the underlying underwriter and how that affects your claim

• Alternative Life Protection: Since RSA doesn't offer it, we can find you 2026 life insurance from top-rated providers like Aviva, Royal London, or Vitality, all of which have payout rates above 98%

• Military-Specific Life Cover: For those with PAX Kit cover (underwritten by RSA), we can help you find the corresponding PAL Protect life insurance to ensure you have 360-degree military protection

Want to explore your options with an existing RSA life insurance policy? Get in touch and one of our protection insurance advisers will run through them with you.