House keys hanging on a coat hook in a home

Buildings and Contents Insurance

Relax...
Fix your home insurance price for three years

Get a quick quote

Would you like a quote for…

Combined Buildings and Contents insurance?

 We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
 
 Contents replaced without reductions for wear and tear
 
 Receive 10% extra cover at Christmas at no extra cost
 
 

If your property is in Northern Ireland
please call 0845 301 5719
(Minicom 0800 404 6161)
 

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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.

Underwritten by U K Insurance Limited.

Retrieve quote

Underwritten by U K Insurance Limited

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.
 

Get a quote

Would you like a quote for…

Combined Buildings and Contents insurance?

 We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
 
 Contents replaced without reductions for wear and tear
 
 Receive 10% extra cover at Christmas at no extra cost
 
 

If your property is in Northern Ireland
please call 0845 301 5719
(Minicom 0800 404 6161)
 

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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.

Underwritten by U K Insurance Limited.

article-woman-relaxing-reading-mobile-on-bed

 

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. Quotes are valid for 90 days. Underwriting criteria apply. Underwritten by U K Insurance Limited.

The contents of a living room that you would want to be covered by contents insurance

Contents cover up to £100,000 available on Elite

Unopened wedding presents covered by contents insurance

Newlyweds receive 10% extra cover for new gifts at no extra cost

Unopened presents under the Christmas Tree, covered by contents insurance

Receive 10% extra cover at Christmas at no extra cost

Woman listening to mp3 music on her laptop

Laptops, iPads, mp3s and downloads covered

Delivery men carrying new furniture to replace the old one that was covered under contents insurance

New for old replaced without any deductions for wear and tear (contents cover only)

Laptop keyboard damaged after accident when coffee was spilt over it

Accidental damage cover available
 

Woman using her laptop away from her home in a cafe

Contents temporarily away from your home cover starting from £5,000
 

Wallet with money inside, accidentally dropped and left on a pavement, man in the distance doesn't realise

Cover for accidental loss of money anywhere in the world

Excellent levels of cover

Two levels of cover to choose from


For full details of cover, any limitations and significant exclusions, please view the policy document.

RTE

Standard

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

Elite

All the benefits of Standard, with higher levels of cover

   Get a quote   

Would you like a quote for…

Combined Buildings and Contents insurance?

 We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
 
 Contents replaced without reductions for wear and tear
 
 Receive 10% extra cover at Christmas at no extra cost
 
 

If your property is in Northern Ireland
please call 0845 301 5719
(Minicom 0800 404 6161)
 

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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.

Underwritten by U K Insurance Limited.

   Get a quote   

Would you like a quote for…

Combined Buildings and Contents insurance?

 We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
 
 Contents replaced without reductions for wear and tear
 
 Receive 10% extra cover at Christmas at no extra cost
 
 

If your property is in Northern Ireland
please call 0845 301 5719
(Minicom 0800 404 6161)
 

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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.

Underwritten by U K Insurance Limited.

Buildings coverThe total amount of your cover -
This is the amount we will pay up to for the costs of repairs or rebuild of your home.

up to £1M

Unlimited

Contents cover Total amount of your cover
- This is the amount we will pay up to for the costs of repairs or replacing the affected contents.

Replacement with no deductions for wear & tear.

£50,000

(new for old)

£100,000

(new for old & matching items)

Accidental DamageProvides cover against accidental damage to the home and it's contents

Optional

Contents Away
from Your Home Cover for belongings when stored securely elsewhere. We will pay for loss of or damage to contents while they are away from your home and within the British Isles


£5,000


£10,000

Personal possessions Insures items to be worn or carried that you normally take out of the home - We will insure Laptops, other portable equipment, mobile phones, pedal cycles & other specified items for loss or damage while away from the home anywhere within the British Isles and for up to 60 days elsewhere in the world.

£2,500
(optional)

£5,000
(included)

No charge for
monthly payments No additional cost to pay monthly - If your premium for the year is more than £70 you can choose to spread the payments over 12 months with no additional cost.
Representative 0.0% APR



Policy summaries

Standard summary
Elite summary

Policy documents

Standard policy
Elite policy

  

   Get a quote   

Would you like a quote for…

Combined Buildings and Contents insurance?

 We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
 
 Contents replaced without reductions for wear and tear
 
 Receive 10% extra cover at Christmas at no extra cost
 
 

If your property is in Northern Ireland
please call 0845 301 5719
(Minicom 0800 404 6161)
 

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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.

Underwritten by U K Insurance Limited.

  

   Get a quote   

Would you like a quote for…

Combined Buildings and Contents insurance?

 We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
 
 Contents replaced without reductions for wear and tear
 
 Receive 10% extra cover at Christmas at no extra cost
 
 

If your property is in Northern Ireland
please call 0845 301 5719
(Minicom 0800 404 6161)
 

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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.

Underwritten by U K Insurance Limited.

 

Need higher levels of cover? Have a look at Private home insurance

What you need to know

New customers – read before you apply

Please make sure you've read the following information before getting a quote, and also save/print the Key Facts document.

You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit the Adobe accessibility pages.

Monthly payments. Subject to eligibility and credit agreement. Credit facilities: Over 18s only. Representative 0.0% APR.

NatWest Home Insurance is underwritten by U K Insurance Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number: 202810.

Helpful banking

Protecting your money

If anything happens to us and we cannot pay valid claims or return your premium on your insurance policy then the FSCS will pay 90% of your claim on your home and pet insurance and 100% on your life and motor insurance, with no upper limit. 

Further information is available here (650K PDF) or visit www.fscs.org.uk.

Buildings and Contents Insurance

Get your quote today

Get a quick quote

Get a quote

Standard and Elite Insurance

 
  • Either up to £50k (Standard) or £100k (Elite) contents cover
  • We'll replace all downloaded data that's been lost or damaged (£1,000 Standard or £3,000 Elite) due to an insurable event
  • Contents replaced without reductions for wear and tear
  • 10% extra cover at Christmas at no extra cost
Get a quote

If your property is in Northern Ireland
please call 0800 051 5450
(Minicom 0800 051 3030)
 

Looking for lighter cover?

Essentials Contents Insurance

 
  • Up to £14,000 cover
  • For students or those living in shared accommodation
  • Loaned college material covered up to £500 if lost or stolen (books up to £200)
  • Top up option to protect laptops, mobile phones, bicycles and mp3s
Find out more

   

Important documents to read and save/print before applying:
How we use your informationLegal information and our Key facts (PDF)

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.

Underwritten by U K Insurance Limited.

Retrieve Quote
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