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Essentials Contents Insurance

Contents insurance designed for students and renters - tailor your contents cover up to £14,000.

Underwritten by U K Insurance Limited

For students or those living in shared accommodation, our Essentials insurance is a flexible way to cover your core items, with the option to upgrade on certain valuables if you want to.

Essentials Contents Insurance

Cover highlights




Essentials cover		 Essentials
Get a quote
View the policy
(PDF, 207KB)

Sum Insured - the total amount of your cover

This is the amount we will pay up to for the costs of repairs or replacing the affected contents.

For specific cover for Laptops, other portable equipment, mobile phones & pedal cycles - see 'Extras' section.

 Yes
Between £2,000-£14,000

Downloaded Information - downloaded information onto laptops/PCs, iPods etc.

We will pay the cost of replacing downloaded information and files that you have bought and stored on your home entertainment or mobile phone that is lost or damaged as a result of an insured claim.

 Yes
£250

Contents - replacement with no deductions for wear & tear (excludes clothing)

For any one item of contents that is lost or damaged, we will decide to either:

  • pay the cost of replacing the item or part as new; or
  • replace the item or part as new; or
  • pay the cost of repairing the item or part; or
  • make a cash payment which will not be more than the amount it would have cost us to replace or repair the item using our own suppliers.
  • Essentials Insurance makes a deduction for 'College property on loan'.
 Yes
New for Old

Money - cover for your money and cash

We will pay for loss of or damage to money in the home.

 Yes
£50

Alternate Accommodation - covering your property whilst in temporary lodgings

If you live in your home, we will pay on top of any other amount:

  • the cost of reasonable alternative accommodation for you, your family and domestic pets; and
  • the cost of temporarily storing the contents of your home while your home is unfit to live in after loss or damage.
 Yes
20% of Contents Sum Insured
Extras  Essentials

Accidental Damage - cover in the home

We will pay for accidental damage to the contents while in your home.

Optional

Pedal Cycles - bicycles covered in the event of loss or damage

We will pay for accidental loss of or damage to pedal cycles and their accessories within the British Isles and belonging to you or any member of your family.

Optional
£250

Family Legal Protection - legal security for you and your dependents

We will pay the following.

Legal Costs

We will cover your costs in the event of the following:

  • Personal injury – death or bodily injury to you.
  • Contract dispute – a dispute arising out of an agreement which you have for:
    • buying or hiring goods or services;
    • selling goods.

Landlord/ tenant dispute

  • Legal defence – Your work as an employee which leads to:
    • You being prosecuted in a magistrates’ or crown court;
    • civil action being taken against you for unlawful discrimination because of someone’s sex, race, disability, religious belief or political opinion; or
    • civil action being taken against you under section 13 of the Data Protection Act 1998.
Optional
£50,000

Cancellation Fees - 14 day flexible policy cancellation

If you cancel your policy within 14 days of its start date or of the day on which you receive your documents (whichever is later) we will return any premium you have paid, providing you have not made any claims during that time.

If you cancel your policy after that 14 day period, we will return any unused premium minus an administration fee of up to £26.50 (inclusive of Insurance Premium Tax where applicable), providing you have not made a claim during the current period of insurance.

£26.50
All  Essentials

Spread the payments - no additional cost to pay monthly

If your premium for the year is more than £70 you can choose to spread the payments over 12 months with no additional cost.

0.0% APR for monthly payments (If you choose to make payment by monthly direct debit this will be by way of a credit agreement. This will be subject to eligibility and is only available to people aged 18 or over. The rate will be Representative 0.0% APR.)

 Yes
0.0% APR
  Essentials
Get a quote
View the policy
(PDF, 207KB)

For full details of cover, any limitations and significant exclusions, please view the policy document.

What you need to know

New Home Insurance customers - read before you apply

Please make sure you've read the following information before getting a quote.

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Monthly payments. Subject to eligibility and credit agreement. Credit facilities: Over 18s only. Representative of 0.0% APR.

NatWest Home Insurance is underwritten by U K Insurance Limited who are authorised and regulated by the Financial Services Authority. FSA register number: 202810.

By proceeding, you are confirming that you have read this information and that you have read and printed the Key Facts document.

Helpful information

Existing Home Insurance customers – got a cover query?

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Home Insurance Policy summaries:

Home Insurance Policy Documents:

Policy documents: please note that any policies taken out before May 2005 please call the number below for any queries on cover.

Customer services

Close

Have any queries about your policy?

Call us on 0845 301 5719
Minicom 0800 404 6161

Lines are open: Mon to Fri 8am-8pm, Sat 9am-5pm, Sun 10am-5pm, Bank Holidays 9am-5pm (excluding Christmas Day, Boxing Day, New Years Day and Easter Sunday). Calls may be recorded.

Get an Essentials Home Contents Insurance quote now