Underwriting criteria apply. NatWest home insurance policies are underwritten by U K Insurance Limited. Please read this important information: What you need to know about NatWest (PDF, 91KB) or request a paper copy before you get a quote.
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The details
Cover options OpenClose
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 OpenClose
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 OpenClose
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 OpenClose
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
Cover limits and exclusions apply
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.
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.