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.
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The details
Core cover OpenClose
Sum insured (how much your contents are insured for)
Insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden.
Contents
No deductions for wear and tear, as these will be replaced new for old. Mobile phones are replaced with Grade A refurbished.
Alternative accommodation
If your home is unfit to live in after you’ve made a valid claim, the cost of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered for up to 20% of your ‘sum insured’.
Downloaded content
Claim up to £1,000 to replace content you’ve paid for and downloaded onto your home computer, laptop, mobile phone or any other portable device.
Money in your home
Lost or stolen cash, cheques and vouchers are covered up to £500.
Optional extras OpenClose
Accidental damage
This covers your possessions if they’re damaged suddenly, unexpectedly and unintentionally when they’re in your home.
Personal possessions cover (outside your home)
You’re covered for up to £2,500 for accidental loss or damage to any possessions you wear or carry with you (e.g. jewellery, mobile phone, bicycle) when you’re out and about. It’s valid when you’re in the British Isles, when you’re overseas for a total of up to 60 days in any one policy year, and can cover your possessions in a bank or safe deposit box.
Legal protection
This covers any legal expenses you incur and the costs of your defence if any legal action is taken against you up to £100,000. It doesn’t include disputes about rent or tenancy renewal but it does include disputes about your tenancy agreement.
Switch your home insurance
When you switch to NatWest home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.
Fill in your details
To give you an accurate quote, you'll need to fill in some personal details and information.
Tailor your policy
Select how much you need your 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.
Moving in together? Our tips can help
When you're setting up home, our guide can help you work out how to share costs, set up the legal side of things and more.
Be bill savvy with Housemate
Want to take the hassle out of house sharing? With Housemate by NatWest, you can split household bills and pay each other back. You could also build your history with our partner Experian when you register your rent payments with the app. It’s free and you don’t have to bank with NatWest to use it.
Housemate is a free app open to users aged 17+ across the UK (excluding the Channel Islands and Northern Ireland). Users must have a UK bank account and an iOS or Android compatible device. Open Banking is available for selected UK banks and account types only. You need to be registered for your own bank’s online banking. The rent recognition feature is only open to those residing in England or Wales.