Nationwide Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Nationwide is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Nationwide home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Nationwide the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Nationwide’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,0 Safe overall rating for Nationwide

Safe ratingOur opinion
Customer service & satisfaction
and claims

5 stars rating by Defaqto
Detailed FAQs
Poor customer reviews on Trustpilot

Cover provided for your home

No maximum sum insured limit for building insurance
Unoccupancy period cover of only 30 days
Max contents sum insured of £50 000

Value for money

No adjustment, cancellation fees or APR rate
25% discount when buying online, year after year
Affordable premiums for average cover

Financial strength

Home insurance underwritten by RSA Insurance PLC

Technology

Claim process handled online
Customer portal to manage your policy

Safe rating for Nationwide home insurance

Expert and customer satisfaction reviews for Nationwide home insurance

Review organisationNationwide home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot1,9/5 based on 1,522 customers reviews
Overall Which? Score

70%

Consumer satisfaction rates on reviews for Nationwide home insurance

Our general opinion on Nationwide home insurance

Nationwide provides one level of home insurance which is rated 5 stars by Defaqto. The insurance policy is only available for Nationwide current or savings account or mortgage existing customers.

Customers reviews on Trustpilot are not good, which means that you must pay attention when it comes to report a home insurance claim.
The standard building insurance provides great cover whereas contents insurance compensation limits are more average but the company allows to get Extended contents cover with unlimited maximum sum insured and up to £1000 for cash cover at home

You can report any claim online through Nationwide claim form.

What does Nationwide home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Nationwide will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Nationwide covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Nationwide buildings and contents insurance

Nationwide provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Nationwide building insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£2 000 000

Alternative emergency accomodation

£50 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

As standard

Subsidence

As standard

Underground services

Available as extra

Keys cover

£750

Flood and storm damage (except for fences)

As standard

Nationwide building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£50 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Available as extra

Contents kept in garden

£750

Contents kept in outbuildings (garage included)

£50 000

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 000

Items temporarily removed from home

£5 000

Money in and outside the homeInside:

£750


Outside:

£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

Not covered


Outside:

Not covered

Business equipment kept at home

£3 000

Student equipment

£5 000

Keys cover

£750

Nationwide contents insurance

Nationwide home insurance additional cover

On top of your Nationwide buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £500 for emergency accommodation
Boiler cover

Not covered

Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £15 000 for personal possessions cover at home
  • Up to £50 000 for single item limit away from home
  • Up to £2 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £2 000 limit
Bicycle cover
  • Optional extra
  • Up to £15000 limit

Nationwide home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£50 – £500
Excess for escape water claims£350
Excess for subsidence claims£1 000
Excess for personal possessions£50 – £500
Excess for keys£50 – £500
Nationwide home insurance main excess

Nationwide home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Nationwide fees are as follows:

Fees applied to manage your Nationwidehouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to NationwideNot covered
Home insurance fees at Nationwide

How much does Nationwide home insurance cost?

You will below indicative quotes for building and contents insurance at Nationwide:

Building insuranceContents insurance
Excess£50 – £500£50 – £500
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£182,10£357,30
Home insurance quotes at Nationwide

It is very difficult to give a precise range of how much exactly will your home insurance cost at Nationwide as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Nationwide will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Nationwide home insurance discounts available

  • No discounts for buying combined policy
  • 25% discount when buying online

How do I a claim on Nationwide home insurance?

To make a claim at Nationwide, you can call the claim management team 24/7. Alternatively, you can make a claim online through the company’s website.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Nationwide home insurance?
Claim online

Claim form

Claim by phone

0800 145 60 60
or outside the UK: +44 121 275 40 89

How to claim on my home insurance at Nationwide

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Nationwide house insurance?

To cancel your Nationwide house insurance, here is what you need to know: 

Cancelling your home insurance at Nationwide
Cancellation notice if Nationwide cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by phone

0800 1456 060
Monday to Friday: 8am – 8pm.
Saturday: 9am – 5pm.
Sunday: 10am – 5pm

How to cancel my Nationwide home insurance

How to contact Nationwide home insurance?

ServicesPhone numbersOpening hours
Claims

0800 145 60 60

Monday to Friday: 9am – 5pm

Home emergency claims

0800 145 60 70

24/7

Legal Claims

0800 145 60 80

24/7

Existing customers

0800 145 60 60

Mon – Fri: 9 am – 5 pm

Apply for home insurance

0800 145 60 60

Monday to Friday: 8am – 8pm
Saturday: 9am – 5pm
Sunday: 10am – 5pm

How to contact Nationwide home insurance

Nationwide home insurance contact details

Nationwide contact details
Nationwide address

Nationwide House, Pipers Way,
Swindon SN3 1TX, UK

Customer service email

Not available

Chatbot available

Not available

Nationwide contact details

How do I log in to Nationwide customer portal?

Not available for home cover insurance

How do I get Nationwide home insurance quotes? 

To get a quote online at Nationwide, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Nationwide is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Nationwide home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Nationwide house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.