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Buildings and Contents Insurance

Combined cover for your building and belongings

Why choose Buildings and Contents insurance?
Switch your insurance
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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.

Please note this product is available only online, alternative options are available in branch.

Get a free gift when you take out a new policy

From the 3rd August, if you take out a new home insurance policy with us online by the 30th November, we'll give you a free gift. You can choose from either: 

  • A Nescafe Dolce Gusto Coffee Machine
  • An Ener-J Video Doorbell
  • JBL Wireless Earbuds
  • Four trees will be planted in UK cities or urban areas on your behalf
 
 
T&Cs and exclusions apply. Premier insurance policies are excluded from this offer.
Get a quote

Why choose Buildings and Contents Insurance?

 You could get a quote in less than five minutes.

This policy has been awarded the highest Defaqto rating.

You can choose between two levels of cover and add optional extras.

You can pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)

If your home is broken into or burgled, we’re available day or night to make it secure. (Excludes the Isles of Scilly, Isle of Man and the Scottish and Channel Islands. Policy and Cover limits apply)

The details

Cover options

Standard home insurance

Our most popular product, offering flexibility to adjust to your needs. Up to £1m Building cover (the amount we will pay up to for the cost of repairs or rebuild of your home) following a valid claim. £50,000 (new for old) Contents cover (the total amount we will pay up to for repair or replacing affected contents). For more information on what the policy covers, please read the Standard insurance product information document and policy document

Elite home insurance

All the benefits of Standard, with higher levels of cover. Unlimited Building cover (the amount we will pay up to for the cost of repairs or rebuild of your home) following a valid claim. £100,000 (new for old) Contents cover (the total amount we will pay up to for repair or replacing affected contents). For more information on what the policy covers, please read the Elite insurance product information document and policy document.

Core cover

Building cover

You can claim towards the cost of repairing or rebuilding your home following a valid claim.

Contents cover

We’ll replace new for old, regardless of wear and tear following a valid claim.

Downloaded data

Digital content that you’ve paid for and downloaded onto your home computer, laptop or a mobile device is covered.

Special events

We’ll increase the amount your contents are insured for (‘sum insured’) by 10% for 30 days before and after certain special events.

Contents away from home

This covers certain personal possessions (e.g. laptop, jewellery, bicycle) that you can wear or you take outside the house.

Optional extras

Accidental damage

We’ll pay for unintentional damage (such as DIY accidents) in parts of the building you’re responsible for. 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

Legal Protection

Provides financial help towards you and your dependents in certain legal disputes (if the claim has at least 50% chance of success) and access to a 24-hour confidential advice line. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Personal possessions

You can get cover for items taken outside your home eg. Laptops, jewellery, pedal cycles. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Switch your home insurance to us

When you switch your home insurance to us, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out one of our policies, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within 7 to 10 working days.

What to expect

Fill in your details

To give you an accurate quote, we’ll ask you for some personal details and information.

Tailor your policy

Tell us how much you want your building and contents 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.

Important information

We want to make sure that you get the cover you need. So before we carry on to your quote, 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 Insurance Product Information Document (IPID).

As we tackle climate change and move away from using paper we ask that you download and save documents to your device. The ‘What

 You Need to Know’ document can be posted to you if you need it in a paper format.

We will share your personal details (i.e. policy start date and number, your name, postal and email addresses and contact telephone number) with our third party, Marketing Lounge Partnership (MLP) for the purpose of fulfilment of this offer. MLP will keep your details on record for 6 months. For full details of our Privacy policy click here.

All okay? Get your quote

It could take you less than 5 minutes.

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Common questions

Something else we can help you with?