NatWest 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 NatWest 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 NatWest 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 NatWest 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 NatWest’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,6 Safe overall rating for NatWest

Safe ratingOur opinion
Customer service & satisfaction
and claims

3 covers rated 5 stars by Defaqto
Very few numbers to call
Very poor customers reviews rate on Trustpilot

Cover provided for your home

3 levels of cover available
Max sum insured limit for contents insurance of £100 000
Lowest excess starts at £50
Elite, Home and PremierHome levels of cover all rated 5 stars by Defaqto
Only £25 000 of emergency accommodation limit (building insurance)
Credit cart not covered in contents insurance
Up to £10 000 only for personal possessions

Value for money

Affordable rates
No APR rate on instalments nor adjustment fees or cancellation fees during cooling off

Financial strength

Part of the RBS group (Royak Bank of Scotland and Ulster Bank)
Home insurance underwritten by U K Insurance Limited


Customer portal available as well as NatWest app
Claim process only handled by phone

Safe rating for NatWest home insurance

Expert and customer satisfaction reviews for NatWest home insurance

Review organisationNatWest home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot1,4/5 based on 1,984 customers reviews
Overall Which? Score


Consumer satisfaction rates on reviews for NatWest home insurance

Our general opinion on NatWest home insurance

NatWest was founded in 1968 from the merger of Westminster Bank and National Provincial Bank. The company therefore offers both insurance as well as financial products such as credit cards and loans.
NatWest offers 3 levels of home insurance, Elite, Standard and Premier, all rated 5 stars by the expert Defaqto. The Premier level of cover provides particularly interesting contents insurance.
The standard home insurance provides great building insurance cover (except for alternative accommodation limit). But contents compensation limits are average.

Customers reviews on Trsutpilot are poor which means that the claim process must not be handled so efficiently.

What does NatWest 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 NatWest 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 NatWest covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

NatWest buildings and contents insurance

NatWest 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:

NatWest building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£25 000

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


As standard

Underground services

As standard

Keys cover

Up to £1M

Flood and storm damage (except for fences)

As standard

NatWest 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

£100 000

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

£1 000

Contents kept in outbuildings (garage included)

£100 000

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:



£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

Not covered


Not covered

Business equipment kept at home

£5 000

Student equipment

£5 000

Keys cover

Up to £1M

NatWest contents insurance

NatWest home insurance additional cover

On top of your NatWest 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 £250 and 1 night for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Up to £250 for boiler replacement
Legal protection
  • Optional extra
  • Up to £100 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover at home
  • Up to £10 00 for single item limit away from home
  • Up to £1000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £2000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £10 000 limit

NatWest 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£450
Excess for subsidence claims£1 000
Excess for personal possessions£50 – £550
Excess for keys£50 – £500
NatWest home insurance main excess

NatWest home insurance fees and NCD

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

Fees applied to manage your NatWesthouse 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£27
For payment default£0
To switch from one insurer to NatWest£50 – £100
Home insurance fees at NatWest

How much does NatWest home insurance cost?

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

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
Home insurance quotes at NatWest

It is very difficult to give a precise range of how much exactly will your home insurance cost at NatWest 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.

NatWest 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.

NatWest home insurance discounts available

  • Discount for buying combined policy
  • £75 voucher if you buy at the same time a life insurance at AIG.

How do I a claim on NatWest home insurance?

To claim at Natwest, you need to call the claim management team (select option 1, and again option1).

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 NatWest home insurance?
Claim by phone

0345 246 0449

How to claim on my home insurance at NatWest

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

How can I cancel NatWest house insurance?

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

Cancelling your home insurance at NatWest
Cancellation notice if NatWest cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £27
Cancel by phone

0345 2460 449

How to cancel my NatWest home insurance

How to contact NatWest home insurance?

ServicesPhone numbersOpening hours

0345 246 0449

Mon – Fri: 8am – 8pm
Sat: 9am – 5pm
Bank holidays 9am – 5pm


0345 246 0449

Monday to Friday 8am-7pm
Saturday 9am-5pm

How to contact NatWest home insurance

NatWest home insurance contact details

NatWest contact details
NatWest address

135 Bishopsgate, London EC2M 3UR

Customer service email

Not available

Chatbot available

Not Available, but you can enter any question in a FAQ field.

NatWest contact details

How do I log in to NatWest customer portal?

You can access your home insurance customer portal at NatWest using this link:

How do I get NatWest home insurance quotes? 

To get a quote online at NatWest, 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 NatWest 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 NatWest 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 NatWest 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.