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NatWest home insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810.
Want to insure your home and get a great little treat to go with it?
Choose a £20 e-voucher from over 100 retailers when you take out a new, or renew your existing home insurance policy before 7th November. You will receive an e- voucher code automatically as long as:
- you’re a UK resident and take out your policy between 28th August 2023 and 7th November 2023
- the policy isn't cancelled within 31 days of start date
One voucher per household and terms apply. Underwritten by U K Insurance Limited.
Why choose buildings and contents insurance?
You could get a quote in less than five minutes.
Rated Which? best buy 2023 for our Standard & Elite Buildings insurance and Elite Contents insurance
This policy has been awarded the highest Defaqto rating.
You can choose between two levels of cover and add optional extras.
You can pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)
If your home is broken into or burgled, day or night, it'll be made secure. Policy and Cover limits apply.
The details
Cover options OpenClose
Standard home insurance
The most popular product, offering flexibility to adjust to your needs. Up to £1m Building cover (the amount paid up to for the cost of repairs or rebuild of your home) following a valid claim. £50,000 (new for old) Contents cover (the total amount paid up to for repair or replacing affected contents). For more information on what the policy covers, please read the Standard insurance product information document and policy document.
Elite home insurance
All the benefits of Standard, with higher levels of cover. Unlimited Building cover (the amount paid up to for the cost of repairs or rebuild of your home) following a valid claim. £100,000 (new for old) Contents cover (the total amount paid up to for repair or replacing affected contents). For more information on what the policy covers, please read the Elite insurance product information document and policy document.
Core cover OpenClose
Building cover
You can claim towards the cost of repairing or rebuilding your home following a valid claim.
Contents cover
Replace new for old, regardless of wear and tear following a valid claim.
Downloaded data
Digital content that you’ve paid for and downloaded onto your home computer, laptop or a mobile device is covered.
Special events
The amount your contents are insured for (‘sum insured’) will be increased by 10% over Christmas.
Contents away from home
This covers certain personal possessions (e.g. laptop, jewellery, bicycle) that you can wear or you take outside the house.
Optional extras OpenClose
Accidental damage
Unintentional damage (such as DIY accidents) in parts of the building you’re responsible for will be paid. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Home emergency
You’ll get up to £500 towards call-out, labour and parts if there’s an emergency in your home. This would be an optional extra for both Standard and Elite insurance.
Legal protection
Provides financial help towards you and your dependents in certain legal disputes (if the claim has at least 50% chance of success) and access to a 24-hour confidential helpline. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Personal possessions
You can get cover for items taken outside your home eg. Laptops, jewellery, pedal cycles. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.
Switch your home insurance
When you switch to NatWest home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within 7 to 10 working days.
Important information
We want to make sure that you get the cover you need. So before we carry on to your quote take some time to read, download and save these documents. For a summary of cover, any limitations and significant exclusions, please view the Insurance Product Information Document (IPID).
As we tackle climate change and move away from using paper we ask that you download and save documents to your device. The ‘What You Need to Know’ document can be posted to you if you need it in a paper format.