Premier insurance

Home insurance

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Cover highlights

Update your policy

Make a claim

Get a quote

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.

Start a quote

Enhanced cover for your home and valuables

Enjoy a comprehensive level of buildings and contents cover - with accidental damage cover automatically included for any unexpected mishaps. Specialist cover for valuable items, such as jewellery or fine art; without needing to list individual items worth less than £10,000.

Buildings and Contents cover subject to terms and conditions. Premier Home Insurance is underwritten by U K Insurance Limited.

Cover highlights

Cover highlights

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Buildings cover

Unlimited buildings cover with accidental damage included as standard for any unexpected mishaps. Subject to terms and conditions.

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Buildings cover detail

Included as standard:

Unlimited cover to repair or to rebuild the house.

Unlimited cover for alternative accommodation whilst insured repairs are carried out if your home is unfit to live in. A valid claim has to be made.

Full accidental damage including DIY disasters.

Contents cover

Unlimited cover with accidental damage and worldwide cover for up to 60 days included as standard. Subject to terms and conditions.

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Contents cover detail

Included as standard:

Worldwide cover for up to 60 consecutive days for belongings stored securely away from your home and personal possessions taken outside your home (e.g. cameras, jewellery and bicycles). No single item limit (except for jewellery / valuables).

Replace possessions and no deductions for wear and tear. Plus matching items as standard.

Lost money up to £2,500.

Data replacement to cover purchased download information up to £5,000.

Accidental damage to home entertainment equipment including laptops, TVs and tablet devices.

Business equipment

Included up to £15,000. Subject to a limit of up to £2,500 for any one item or for stock.

Interest-free monthly payments

Included. Subject to eligibility and credit agreement.

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Interest-free monthly payments detail

Credit facilities available - over 18s only.

(Representative 0.0% APR)

Subject to eligibility and credit agreement.

Amendments or cancellation

No admin fees for mid-term amendments or cancellation.

Get in touch

Help to find the right level of cover

If understanding the value of your home and contents would help you get the right level of cover, the home appraisal team can visit your home to help you.

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Appraisal team detail

If you have other insurance needs, or your home is not of a standard construction, then the High Net Worth (HNW) policy may be more suitable for you.

Telephone: 0345 246 2105
Relay UK: 18001 0345 246 2105

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.

Update or change your policy

Call the Premier Insurance team if you need to update your policy.

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Change or update your policy detail

No admin fees for mid-term amendments or cancellation.

To make changes to your policy, call:

Telephone: 0345 246 2105
Relay UK: 18001 0345 246 2105

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.

Make a home insurance claim

With Premier Home Insurance cover, you can call 24 hours a day, 7 days a week.

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Make a claim detail

A dedicated claims handler will deal with your case as quickly as possible, with minimal paperwork.

If you’re claiming for something that has been stolen, you should always report the incident to the police before doing anything else.

Call the Premier Insurance claims team on:

Telephone: 0345 246 2105
Relay UK: 18001 0345 246 2105

Common questions about making a claim

Change your renewal preference

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Change your renewal preference

If you would like to lapse your cover from your renewal or change the automatic renewal setting on your policy, you can reach the Premier Insurance team on:

Telephone: 0345 246 2105
Relay UK: 18001 0345 246 2105

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.

Home contents calculator

Use this handy tool to calculate the contents of your home to know the amount you may need to insure.

Download the calculator

Important information

Please take some time to read or download and save these documents. For full details of cover, any limitations and significant exclusions, please view the Premier Home Insurance Policy document below.

'What you need to know' paper copy

Your ‘What you need to know’ is available in a paper format. Let us know if you’d like this posted to you.

I'm ready to get a quote

It's important for you to understand how we use and share your information. Please read this short summary before you continue.

How do you want to contact us?

Call us

If you are looking for enhanced levels of cover, in the first instance contact your Premier Banking Manager to arrange an appointment. If you are looking to speak to someone directly about your insurance needs, you can reach the Premier Insurance team on:

Telephone: 0345 246 2105
Relay UK: 18001 0345 246 2105

Lines are open Mon to Fri 8am - 6pm, Sat 9am - 5pm.
Excluding public holidays.

Calls may be recorded.

Not sure Premier Home insurance is for you?

You can view all the home insurance cover options available by visiting the NatWest Personal website.