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Contents insurance

Insure the things that make a house your home

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Defaqto 5-star rating
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Why choose contents insurance?

This policy has the highest Defaqto rating.

Flexible levels of cover available and optional extras.

With 0% interest, there’s no extra cost if you choose to pay monthly. Over 18s only, subject to eligibility and credit agreement.

If your everyday electrical items are stolen or damaged beyond repair, you can choose between a replacement delivered direct to your door (UK mainland only), or receive an e-voucher for you to use straight away. Cover limits apply. Renters insurance will provide Grade A refurbishments on phone replacements.

The details

Cover options

Standard Home insurance

The most popular product, offering flexibility to adjust to your needs. Up to £175,000 (new for old) Contents cover (the total amount paid up to for repair or replacing affected contents). Lower limits apply to some items

Elite Home insurance

All the benefits of Standard, with higher levels of cover. Family Legal Protection, full Accidental Damage and Personal Possessions cover included (optional on Standard home insurance).

Core cover

New for old

Replaced new for old, regardless of wear and tear.

Special events

The amount your contents are insured for (‘sum insured’) will be increased by 10% for births, marriages and religious festivals for a limited time.

Downloaded data

Digital content that you’ve paid for and downloaded onto your home computer or a mobile device is covered.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, costs of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered.

Optional extras

Accidental damage

Covers the contents of your home against unintentional damage. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Contents away from home

Personal Possessions cover for items you can wear or take outside the house (e.g. laptop, jewellery, bicycle). 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.

Family Legal Protection

Provides financial help towards 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.

Options if you rent

Renters contents insurance

Insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden.
Information Message

Switch your home insurance

When you switch your 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 new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within 7 to 10 working days.

What to expect

Fill in your details

To give you an accurate quote, you'll need to fill in some personal details and information.

Tailor your policy

Select how much you need your contents to be insured for and if you want any optional extras.

Review and apply

Review your details and your quote. If you’re happy with everything, then you can apply.

All okay? Start your quote

Please read this important information: What you need to know about NatWest (PDF, 63KB) or request a paper copy before you get a quote.

Common questions