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Black Account

Protection benefits

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Upgrade your existing account to Black Account
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The Private Team

We're here to support you

Existing customers 

You can speak to a member of our Private Team 24/7.

Telephone 0845 305 0600
International +44 118 963 9696 
Minicom 0845 900 5961

 

Eligibility criteria

NatWest Private is available to all customers with a sole income of at least £100,000 paid into their NatWest account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

New customers 

If you would like to join NatWest Private call us to find out more.

Telephone 0800 015 1617
Minicom 0800 404 6161

Access your benefits

Protect yourself from the unexpected

Lost or stolen mobile phone? A car that won’t start? Burst pipe? Your Black Account covers these everyday hassles – and more. View, register or use your benefits.

Remember to register your handset

Mobile Phone Insurance

Register a handset

You’re automatically registered for mobile phone insurance but to make things easier if you need to claim, we recommend you register your handset. All you need is the handset and model number of your phone and your IMEI number. You can find your IMEI number on the back of your phone behind the battery or by pressing *#06# on the keypad. If you change your handset, remember to let us know.

Register your handset or update your existing handset details

Alternatively you can call us on 0845 601 7188, (Minicom 0845 600 0512). Lines are open 8am-8pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays. Calls may be recorded.

  

Remember you need to register for Identity Theft Assistance

Protection benefits

Identity Theft Assistance

Call us on 0845 601 7188, Minicom 0845 600 0512 for assistance.

Lines are open 8am-8pm Mon-Sat (except bank holidays). Calls may be recorded.

Register online

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Icon expand Mobile Phone Insurance

You are automatically entitled to this benefit, however you should register your handset to make the claims process quicker for you

Call us to make a claim

Mobile Phone Insurance

Make a claim

Need to make a claim? No worries, we'll help.
- All claims must be reported to the insurer as soon as possible, but always within 60 days of discovering the loss or other incident.
If your phone has been lost or stolen, you must contact your network provider within 24 hours.
If your phone is stolen, you should inform the police and get a crime reference number as soon as possible. 
- If you’re outside the UK at the time of discovering your phone is lost or stolen, you must contact your network provider within 48 hours. Please note we won’t replace your device until you return to the UK.

How to make a claim
Claim online or call us on 0845 601 7188 (Minicom 0845 600 0512). Lines are open 8am-8pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays. Calls may be recorded.

Log in to make a claim

- Phone cover - covers up to four phones for you, your partner and/or phones of your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside of term time)
Replacement phone – delivered within 24 hours of your claim being accepted
Loss, theft, accidental damage and breakdown cover – including water, liquid and malicious damage and electrical or mechanical fault (if your phone is lost or stolen, you must contact your network provider within 24 hours)
Unauthorised use – up to £2,500 for monthly contracts and £100 for pay as you go
Worldwide protection – repair or replacement will be arranged on return to the UK
Accessories cover - up to £250 per claim for accessories that were lost, stolen or damaged at the same time as your phone

You should be aware that:
- You can make a maximum of four successful claims during any 12 month period
There is an excess of £75 per claim
Claims must be made within 60 days of the loss, theft or accidental damage of your phone
Tablets are not covered 

Register your handset to make it easier to claim

Mobile Phone Insurance

Register a handset

You’re automatically registered for mobile phone insurance but to make things easier if you need to claim, we recommend you register your handset. All you need is the handset and model number of your phone and your IMEI number. You can find your IMEI number on the back of your phone behind the battery or by pressing *#06# on the keypad. If you change your handset, remember to let us know.

Register your handset or update your existing handset details

Alternatively you can call us on 0845 601 7188, (Minicom 0845 600 0512). Lines are open 8am-8pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays. Calls may be recorded.

  

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Icon expand Car Breakdown Cover

You are automatically entitled to this benefit and do not need to register. All you need in the event of a breakdown is your name, address and vehicle details.

Call us for assistance

Protection benefits

European Car Breakdown Cover

Call us on 0845 601 7188, Minicom 0845 600 0512 for assistance.

If you break down outside the UK you can call Green Flag +44 (0) 1252 308 790. 

Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

- Roadside assistance - anywhere in the UK and Europe
Home-Call – help when your car won't start at home
Recovery service – if Green Flag can't get your car going, they'll take you to a destination of your choice or a suitable repairer
Protection for all your cars – as long as the vehicle is registered in your name at your home address, it's covered

Main exclusions:
- Costs at the garage or repairer – if Green Flag can’t fix your vehicle at the roadside you will be liable for the costs of repair
Roadside assistance - for European trips outside the UK, cover will not apply for vehicles over 10 years old at the beginning of the trip
Maximum claims - customers can only claim 5 times in any 12 months before a charge will be incurred

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You are automatically entitled to this benefit and do not need to register

Call us for assistance or to make a claim

Protection benefits

Home Emergency Service

Call us on 0845 601 7188, Minicom 0845 600 0512 for assistance.

Lines are open 24/7, 365 days a year. Calls may be recorded.

As a Black Account customer, you are in safe hands:

- 24/7 home emergency cover up to £750 including VAT
Cover for two homes – your main residence and any second home you own in the UK (excluding properties you rent out)
Approved repairers - finding someone you can count on can be a challenge, but we have taken care of that

Main exclusions:
- External water supply pipes
Boilers over 10 years old, or with an output over 75kw
Any emergency if your home has been unoccupied for more than 60 consecutive days
Detached garages and outbuildings
Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man

It is important to remember that this is not a household buildings or contents insurance policy – or an equipment maintenance contract.

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Icon expand Identity Theft Assistance

You need to register for credit report, valuable document registration and Experian Credit Report Monitoring and DataPatrol

Register online or by phone

Protection benefits

Identity Theft Assistance

Call us on 0845 601 7188, Minicom 0845 600 0512 for assistance.

Lines are open 8am-8pm Mon-Sat (except bank holidays). Calls may be recorded.

Register online

For joint accounts both parties must register to use this benefit.

Identity Theft Assistance gives you a range of benefits from a number of specialist organisations – offering you the assistance and support you need.

To help keep your personal information private we offer:

- Personal support - if you fall victim to identity theft, a dedicated caseworker will be appointed to help defend and restore your credit status, including where necessary our home investigation service
CIFAS registration - alerts you if your details are used on a credit application
Valuable document registration - lets you keep important information, such as your passport number or details of insurance policies, in a secure place. If you lose your documents, we can provide you with their details
Credit report – check your credit status and receive alerts from Experian if anyone is using your personal details
- DataPatrol – regular monitoring of the internet for your name, contact details and sensitive information such as National Insurance, Passport or Driving License number. It also provides personal alerts and advice if any of your information is found, with clear guidance on the action you should take to prevent any harm

CIFAS is the UK's fraud prevention service. It has 260 members spread across banking, credit cards, asset finance, retail credit, mail order, insurance, savings and investments, telecommunications, factoring, and share dealing. Members share information about identified frauds to help prevent further fraud.

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Icon expand Lost and Stolen Card Assistance

You are automatically entitled to this benefit and do not need to register

Call us to report a lost or stolen card

Protection benefits

Lost and Stolen Card Assistance

To make a claim or register a card call us on 0845 601 7188, Minicom 0845 600 0512. Lines are open 24/7, 365 days a year. 

If calling from abroad, call us on +44 (0) 1904 27 5858.

Charges will apply. 

- Emergency assistance – round-the-clock cover, worldwide
Personal belongings cover – up to £100 for replacing personal belongings that are lost/stolen at the same time as your card
Passport and driving licence - cover any charges for the issue of the emergency replacement while you are abroad
Card cancellation – we will arrange for all your missing cards to be cancelled and replacements ordered and cover any cost up to £100 a year
Emergency cash advance – up to £5,000, repayable within 28 days. You need to have enough money in your account or overdraft charges may apply
Unauthorised transactions – on your NatWest cards, should you suffer a loss through no fault of your own. If you do use cards from another provider, they may also be covered but you should contact your card issuer directly for details of the coverage.

Lost & stolen card assistance doesn't cover any courier costs incurred in delivering emergency cards to you.

Common questions

What other people are asking us

Protection benefits

Helpful information

Important documents that relate to the Black Account benefits. You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit the Adobe accessibility pages.

Helpful banking

Protecting your money

With our account monitoring and online fraud protection promise, it's no wonder our customers voted us the UKs most trusted mainstream bank for 2013.

Your eligible deposits with NatWest are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the £85,000 limit are not covered.

Further information is available here or visit www.fscs.org.uk.

Protection benefits

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