Buildings and Contents Insurance UK - Home Insurance - NatWest

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Buildings & Contents Insurance

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Underwritten by U K Insurance Limited

Important documents to read and save/print before applying:
How we use your informationLegal information and our What you need to know (PDF, 60KB)

If you would like a quote, please select ‘Get started’ below.

If you have any questions about your existing policy, please contact the telephone numbers shown on your policy documents.

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.

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Our Buildings and 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. 

5 star defaqto rating

For full details of cover, any limitations and significant exclusions, please view the policy booklet and Insurance Product Information Document (IPID) 

Select from our two levels of cover

Standard

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

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Elite

All the benefits of Standard, with higher levels of cover 

 

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Building cover (the amount we will pay up to for the cost of repairs or rebuild of your home)

Up to £1m

Unlimited

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

£50,000
(new for old) 

£100,000
(new for old & matching items) 

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. 

Accidental damage

Optional

Included

Contents away from your home

£5,000

£10,000

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

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.
 

Home Emergency Cover (up to £500 for call out, labour and parts in the event of an emergency at your home)

Up to £500
(optional) 

Up to £500
(optional)

Special Events (birth of a child, religious festivals and weddings or civil partnerships)

We will increase the sum insured for contents by 10% for 30 days before and after you have a baby, a religious festival that you celebrate or your wedding or civil partnership.

We will increase the sum insured for contents by 10% for 30 days before and after you have a baby, a religious festival that you celebrate or your wedding or civil partnership.

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.

Included

Up to £100,000

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

 

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 Premier home insurance

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