Natwest Home Insurance

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Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is Natwest home insurance right for you?

NatWest home insurance can protect your home and possessions against a range of issues including theft, fire, flooding, accidental damage and more.

 

Home insurance generally falls in to three categories:

  • Buildings insurance
  • Contents insurance
  • Joint buildings and contents insurance

 

Which of these you need will depend on your personal circumstances. Renters will normally only need contents insurance as your landlord should cover the building. Homeowners will usually require both buildings and contents insurance, with buildings insurance being a standard requirement for most mortgages.

 

Choosing a Natwest home insurance policy

With a NatWest home insurance policy you can benefit from:
  • A ‘no change to your premium’ incentive offered the same fixed price for two years
  • A 24/7 helpline, 365 days a year
  • Interest free monthly payments

 

NatWest home insurance customers can choose from different policy levels.

 

Essentials Contents Insurance

This offers:

  • This is suited to tenants and students.
  • Up to £14,000 of cover for your possessions
  • Loaned college material is covered up to £500 if lost or stolen, books are covered up to £200
  • You can top up your policy to include laptops, phones, bikes etc.
  • New for old replacement

 

Standard Home Insurance

Policy-holders can benefit from:

  • Buildings cover up to £1,000,000
  • Contents are covered up to £50,000
  • New for old replacement
  • Alternative accommodation cover up to £25,000 with buildings cover and up to £15,000 with contents cover
  • Accidental damage is included
  • Optional possessions cover and legal cover

 

Elite Home Insurance

NatWest's most comprehensive home insurance policy, offering:
  • Unlimited cover for buildings
  • Contents are covered up to £100,000
  • New for old replacement and matching items replacement cover
  • Alternative accommodation up to £50,000 with buildings cover and up to £30,000 with contents cover
  • Accidental damage cover included
  • Family legal protection included up to £100,00
  • Personal possessions cover for items taken out of the home included

 

Which policy is right for you?

The essentials policy is a great option for people who really need the bare minimum of coverage. Alternatively, their more compete packages offer a well- rounded customisable service. The three year fixed price guarantee is a potentially a good money saver long term.

 

Things to consider when taking out insurance

Here are a few things to consider when looking for an insurance policy or package to suit you.

 

Is your property specialist?

If you own a listed building or if your property has an unusual feature such as a thatched roof, you may need specialist cover.

 

Do you need buildings and content cover?

While it’s generally advised that you take out both, it does depend on your individual circumstances. Insurance providers often provide individual policies as well as joint policies.

 

Does the policy provide enough cover?

All policies have their limits so you need to make sure that your home is covered for the rebuild value rather than the market value. It’s also worth costing your contents to make sure your chosen policy will be enough to cover it all.