Student and Tenant Contents Insurance - NatWest

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Essentials
Contents Insurance

Contents insurance designed for students and tenants - tailor your contents cover up to £14k

Get a quick quote
Would you like a quote for… Essentials Contents insurance?
 Home entertainment up to £1,500 including TVs, audio equipment and Desktop PCs
 
 Library books covered up to £200 if lost or stolen
 
 Easy sign up – we’ll create a policy for you even if you don't know your university address
 
 
Do you live in sole occupancy unfurnished accommodation?
Essentials Insurance is not suitable if you are living in sole occupancy unfurnished accommodation, unless you live in student halls of residence. If you live in this kind of accommodation please consider our Standard or Elite Home insurance.
 
 
Get a quote

        

If your property is in Northern Ireland
please call 0345 301 5719
(Minicom 0800 404 6161)

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

Retrieve quote

Underwritten by U K Insurance Limited

For students or those living in shared accommodation, our Essentials insurance is a flexible way to cover your core items, with the option to upgrade on certain valuables.

With a price fixed for three years, it’s one less thing to worry about.

Essentials Insurance is not suitable if you are living in sole occupancy unfurnished accommodation, unless you live in student halls of residence. If you live in this kind of accommodation please consider our Standard or Elite Home insurance.

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. Underwritten by U K Insurance Limited.
 

Standard Cover Details

Sum Insured - The total amount of your cover
Cover Level: £2,000 - £14,000

This is the amount we will pay up to for the costs of repairs or replacing the affected contents.
For specific cover for laptops, other portable equipment, mobile phones & pedal cycles - see 'Extras' section. 

Downloaded Information - downloaded information onto laptops/PCs, iPods etc.
Cover Level: £250

We will pay the cost of replacing downloaded information and files that you have bought and stored on your home entertainment or mobile phone that is lost or damaged as a result of an insured claim.

Contents - replacement with no deductions for wear & tear (excludes clothing)
Cover Level: New for Old

For any one item of contents that is lost or damaged, we will decide to either:
- pay the cost of replacing the item or part as new; or
- replace the item or part as new; or pay the cost of repairing the item or part; or
- make a cash payment which will not be more than the amount it would have cost us to replace or repair the item using our own suppliers.
- Essentials Insurance makes a deduction for 'College property on loan'.

Contents temporarily away from your home
Cover Level: £250

We will pay for loss of or damage to contents while they are as follows:

Within the British Isles and temporarily in:
- a bank safe deposit;
- a private home or caravan that is lived in; or
- any building where you or any member of your family work or live.

Money - cover for your money and cash

Cover Level: £50

We will pay for loss of or damage to money in the home. 

Alternative Accommodation - covering your property whilst in temporary lodgings

Cover Level: 20% of contents sum insured

If you live in your home, we will pay on top of any other amount:
- the cost of reasonable alternative accommodation for you, your family and domestic pets; and
- the cost of temporarily storing the contents of your home while your home is unfit to live in after loss or damage.  

Optional Extras

Accidental Damage - cover in the home

Cover Level: Optional

We will pay for accidental damage to the contents while in your home. 

Mobile phones - loss, damage or theft

Cover Level: Optional £500

We will pay for accidental loss, accidental damage or theft of your mobile phone.
- Within the British Isles
- Anywhere else in the world for up to 30 days
£25 excess 

Pedal Cycles - bicycles covered in the event of loss or damage

Covel Level: Optional £250

We will pay for accidental loss of or damage to pedal cycles and their accessories within the British Isles and belonging to you or any member of your family. 

Legal Protection - legal security for you and your dependants

Cover Level: Optional £50,000

 

A 24-hour confidential advice line for you and your family and legal costs cover to help you with:
- Faulty goods or services you’ve bought including holiday packages
- Disputes relating to personal goods you’ve sold privately
- Personal injury claims including accidents at work and in public places
- Medical and clinical negligence


We also provide cover for:
- Landlord/tenant disputes
- Legal defence as an employee

Administration fee for cancellation - 14 day flexible policy cancellation

(inc. Insurance Premium Tax) 

If you cancel your policy within 14 days of its start date or of the day on which you receive your documents (whichever is later) we will return any premium you have paid, providing you have not made any claims during that time.


If you cancel your policy after that 14 day period, we will return any unused premium minus an administration fee (inc. Insurance Premium Tax where applicable), providing you have not made a claim during the current period of insurance. 

Spread the payments - no additional cost to pay monthly
Representative
0.0% APR
 

If your premium for the year is more than £70 you can choose to spread the payments over 12 months with no additional cost.


If you choose to make payment by monthly direct debit this will be by way of a credit agreement. This will be subject to eligibility and is only available to people aged 18 or over. The rate will be Representative 0.0% APR.

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

Get a quote
Would you like a quote for… Essentials Contents insurance?
 Home entertainment up to £1,500 including TVs, audio equipment and Desktop PCs
 
 Library books covered up to £200 if lost or stolen
 
 Easy sign up – we’ll create a policy for you even if you don't know your university address
 
 
Do you live in sole occupancy unfurnished accommodation?
Essentials Insurance is not suitable if you are living in sole occupancy unfurnished accommodation, unless you live in student halls of residence. If you live in this kind of accommodation please consider our Standard or Elite Home insurance.
 
 
Get a quote

        

If your property is in Northern Ireland
please call 0345 301 5719
(Minicom 0800 404 6161)

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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. Underwriting criteria apply.

Quotes are valid for 90 days.

Underwritten by U K Insurance Limited.

What you need to know New customers – read before you apply

Please make sure you've read the following information before getting a quote, and also save/print the Key Facts document.

You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit the Adobe accessibility pages.

Monthly payments. Subject to eligibility and credit agreement. Credit facilities: Over 18s only. Representative 0.0% APR.

NatWest Home Insurance is underwritten by U K Insurance Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 202810.

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