Contents Insurance, Home Contents Insurance - NatWest

House keys on a coat hook in a home

Contents Insurance

Fix your home contents insurance price for three years

Get a quote

Get a quote

Standard and Elite Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote

If your property is in Northern Ireland
please call 0800 051 5450
(Minicom 0800 051 3030)
 

Looking for lighter cover?

Renters Insurance

  • Choose between £5,000 to £25,000 cover to protect your contents (in increments of £5000).
  • For people living in rented property or student accommodation.
  • Choose from our optional add-ons to protect against accidental damage and also your personal possessions when you're away from home.
  • No additional cost for paying monthly (Subject to eligibility and credit agreement. Representative 0.0% APR).
Find out more

Important documents to read and save/print before applying:
How we use your informationLegal information and our What you need to know

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or we make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Retrieve quote
Fixed price ends if we make a claim payment. Price may change if you amend your policy or Insurance Premium Tax changes. Excludes Private Insurance

Underwritten by U K Insurance Limited

Our Contents insurance takes care of the finer details, and with the price fixed for three years it's one less thing to worry about. 

You can really relax with our home insurance cover. When you take out a policy with us, we’ll fix the price for the next two renewals, so you’ll know exactly what you’ll be paying. 

 

How our fixed price policy works 

The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Quotes are valid for 90 days. Underwriting criteria apply. Excludes Private Insurance. Underwritten by U K Insurance Limited. 

For full details of cover, any limitations and significant exclusions, please view the policy document. 

  

Compare our contents insurance cover options

Renters Contents Insurance

Cover designed for rental tenants

 

Get a quote

Standard Home Insurance

Our most popular product, offering flexibility to adjust to your needs 

Get a quote

Get a quote

Standard and Elite Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote

If your property is in Northern Ireland
please call 0800 051 5450
(Minicom 0800 051 3030)
 

Looking for lighter cover?

Renters Insurance

  • Choose between £5,000 to £25,000 cover to protect your contents (in increments of £5000).
  • For people living in rented property or student accommodation.
  • Choose from our optional add-ons to protect against accidental damage and also your personal possessions when you're away from home.
  • No additional cost for paying monthly (Subject to eligibility and credit agreement. Representative 0.0% APR).
Find out more

Important documents to read and save/print before applying:
How we use your informationLegal information and our What you need to know

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or we make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Elite Home Insurance

All the benefits of Standard, with higher levels of cover 

Get a quote

Get a quote

Standard and Elite Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote

If your property is in Northern Ireland
please call 0800 051 5450
(Minicom 0800 051 3030)
 

Looking for lighter cover?

Renters Insurance

  • Choose between £5,000 to £25,000 cover to protect your contents (in increments of £5000).
  • For people living in rented property or student accommodation.
  • Choose from our optional add-ons to protect against accidental damage and also your personal possessions when you're away from home.
  • No additional cost for paying monthly (Subject to eligibility and credit agreement. Representative 0.0% APR).
Find out more

Important documents to read and save/print before applying:
How we use your informationLegal information and our What you need to know

How our fixed price policy works
The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if we make a claim payment. If Insurance Premium tax changes, or we make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Contents Insurance (the total amount we will pay up to for repair or replacing affected contents)

up to £25,000 cover

£50,000 cover

£100,000 cover

New for old replacement

Included

New for old replaced without any deductions for wear and tear (contents cover only). 

Included

New for old replaced without any deductions for wear and tear (contents cover only). 

Included

New for old replaced without any deductions for wear and tear (contents cover only). Plus matching items as standard

Alternative accommodation cover (whilst insured repairs are carried out if your home is unfit to live in)

Up to 20% of contents sum insured

A valid claim has to be made.  

Up to £25,000 with Buildings cover.

Up to £15,000 with Contents cover

A valid claim has to be made.  

Up to £50,000 with Buildings cover.

Up to £30,000 with Contents cover.

A valid claim has to be made.  

Interest-free monthly payments

Included

Credit facilities – over 18s only. (Representative 0.0% APR). Subject to eligibility and credit agreement. 

Included

Credit facilities – over 18s only. (Representative 0.0% APR). Subject to eligibility and credit agreement. 

Included

Credit facilities – over 18s only. (Representative 0.0% APR). Subject to eligibility and credit agreement. 

Accidental damage to your contents

Optional

Optional

Included

Legal protection (legal costs cover for certain types of legal disputes – see policy booklets for details).

Optional:

(up to £100,000)

The claim has to have a better than 50% chance of success. 

Optional:

(up to £100,000)

The claim has to have a better than 50% chance of success. 

Included

 (up to £100,000)

The claim has to have a better than 50% chance of success. 

Personal possessions taken outside your home e.g. Laptops, jewellery, pedal cycles

Optional:

Up to £2,500

Single item limit £1,000 (except bicycles).

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.
 

Optional:

Up to £9,999

Single item limit £2,000 (except bicycles)

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.
 

Included

Up to £9,999

Single item limit £4,000 (except bicycles)

Covers anywhere in the British Isles and for up to 60 days elsewhere in the world.
 

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.
 

Need higher levels of cover? Take a look at Private home insurance

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