Vernon Building Society

Vernon Building Society was founded in Cheshire in 1924. It focuses on supporting the local community, and set up the Jubilee Fund in 2012 to provide money for charity. 

Vernon building society offers savings accounts, mortgages and home insurance.

Its home insurance policies are administered and underwritten by RSA.


Vernon Building Society
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Home insurance (building and contents)

Vernon Building Society

Home Insurance (With personal Items option)

3 stars
Alternative accommodation cover limit for buildings i £40,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,000.00
Escape of water excess i £50.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £10,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £750.00
Keys/locks if lost or stolen (Buildings) i £750.00
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £50.00
Compulsory excess (contents) i £50.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i £400,000.00
Contents cover limit i £50,000.00
Underwriter RSA
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £5,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads Optional (Technology & Entertainment)
Documents £2,500.00
Visitor's possessions £500.00
Out in open cover Optional (Garden Contents)
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £500.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £5,000.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit £3,000.00
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit £3,000.00
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit £3,000.00
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit £3,000.00
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Vernon Building Society

Home Insurance

2 stars
Alternative accommodation cover limit for buildings i £40,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £2,000.00
Escape of water excess i £50.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £10,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £750.00
Keys/locks if lost or stolen (Buildings) i £750.00
Money in the home i £0.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £50.00
Compulsory excess (contents) i £50.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i £400,000.00
Contents cover limit i £50,000.00
Underwriter RSA
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £5,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads Optional (Technology & Entertainment)
Documents £2,500.00
Visitor's possessions £500.00
Out in open cover Optional (Garden Contents)
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £5,000.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit £3,000.00
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit £3,000.00
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit £3,000.00
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit £3,000.00
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

Vernon Building Society

Home Insurance

3 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i £750.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £40,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £50.00
Buildings compulsory excess i £50.00
Escape of water excess i £50.00
Flood excess i £50.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Vernon Building Society

Home Insurance (With personal Items option)

3 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i £750.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £40,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £50.00
Buildings compulsory excess i £50.00
Escape of water excess i £50.00
Flood excess i £50.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Vernon Building Society

Home Insurance (With personal Items option)

3 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £750.00
Theft from outbuildings cover limit i £2,000.00
Credit cards i £500.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £50,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £1,000.00
Business equipment i 5,000.00
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £500.00
Temporary freezer storage
Money in the home i £500.00
Theft from bogus officials
Garden plants
Garden protection 5,000.00
Out in open cover Optional (Garden Contents)
Alternative accommodation cover limit for contents i £10,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £50.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter RSA
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: £3000 / Days limit: 60
Births - limit/days Cover Limit: £3000 / Days limit: 60
Anniversaries - Limits/days Cover Limit: £3000 / Days limit: 60
Religious events -Limits/days Cover Limit: £3000 / Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Vernon Building Society

Home Insurance

2 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £750.00
Theft from outbuildings cover limit i £2,000.00
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £50,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £1,000.00
Business equipment i 5,000.00
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £500.00
Temporary freezer storage
Money in the home i £0.00
Theft from bogus officials
Garden plants
Garden protection 5,000.00
Out in open cover Optional (Garden Contents)
Alternative accommodation cover limit for contents i £10,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £50.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter RSA
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: £3000 / Days limit: 60
Births - limit/days Cover Limit: £3000 / Days limit: 60
Anniversaries - Limits/days Cover Limit: £3000 / Days limit: 60
Religious events -Limits/days Cover Limit: £3000 / Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Notice Savings Accounts

Up to 60 Day Notice Accounts

Vernon Building Society

35-Day Notice Account (Issue 2)

Interest Rate (AER) i 3%
Part of FSCS i
Notice Period 35 days
Minimum Opening Balance i £1,000.00
Maximum Balance i £200,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be a local (acceptable postcode: BL, CH, CW, M, OL, SK, WA or WN)
Early withdrawals allowed? i
Withdrawal Penalty i No cash withdrawals allowed

Savings Accounts

1 Year Fixed Rate Accounts

Vernon Building Society

Fixed-Rate Bond to 31st March 2024

Interest Rate (AER) i 3.9%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i £50,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

18 Month Fixed Rate Bonds

Vernon Building Society

Fixed-Rate Bond to 30th September 2024

Interest Rate (AER) i 4%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i £85,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

Vernon Building Society

Monthly Income Fixed-Rate Bond to 30th June 2025

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £20,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a fixed term account with similar terms.
Part of FSCS i
Maximum Balance i £100,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Interest Rate (AER) i 2.15%
Maximum Balance i £250,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £500.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be a local (acceptable postcode: BL, CH, CW, M, OL, SK, WA or WN)
Penalty free withdrawals? i

Savings Accounts (ISAs)

3 Year Fixed Rate ISAs

Vernon Building Society

Fixed-Rate ISA to 30th June 2026 Issue 2

Interest Rate (AER) i 3.3%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a fixed term account with similar terms.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Vernon Building Society

Easy Access Cash ISA

Interest Rate (AER) i 2.5%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £500.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be a local (acceptable postcode: BL, CH, CW, M, OL, SK, WA or WN)
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?