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Contents insurance

Insure the things that make a house your home

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.

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Why choose contents insurance?
Switch your insurance
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1 in 10 chance to win back the cost of your home insurance

If you take out NatWest home insurance before 18th July, you'll be entered into a prize draw to do just that. One in every 10 customers won an average of £273.87 in our recent prize draw, so don't miss out on your chance to win*.

New policies, UK residents & over 18’s only, policy must be active at time of draw, T&Cs apply. See how your data will be used in conjunction with this prize draw. 

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*Based on the average winning amount from the prize draw on January 16th 2023, which contained 475 winners. This draw contained entries related to policies purchased between 28th September and 30th November 2022, that started from 1st December 2022. 

Why choose contents insurance?

You could get a quote in less than five minutes.

This policy has the highest Defaqto rating.

Flexible levels of cover available and optional extras.

Pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)

If your everyday electrical items are stolen or damaged beyond repair, you can choose between a brand new replacement delivered direct to your door, or receive an e voucher for you to use straight away. Optional on standard and Included with Elite.

(Renters insurance will provide Grade A refurbishments on phone replacements. Cover limits apply. Delivery available to UK mainland only. Excludes jewellery)

The details

Cover options

Standard home insurance

The most popular product, offering flexibility to adjust to your needs. £50,000 cover. 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. £100,000 cover. For more information on what the policy covers, please read the Elite insurance product information document and policy document.

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% over Christmas.

Downloaded data

Digital content that you’ve paid for and downloaded onto your home computer or a mobile device is covered. Downloaded data has a limit of £1000.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, reasonable 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

Option to increase the amount that certain personal possessions you can wear or take outside the house (e.g. laptop, jewellery, bicycle) are insured for. 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 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. For more information on what the policy covers, please read the Renters insurance product information document and policy document.

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 building 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.

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.

All okay? Get your quote

It could take you less than 5 minutes.

Get a quote

Common questions

I already have NatWest home insurance can I take out a new deal?

 

Common questions

Something else we can help you with?