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Buildings and Contents Insurance

Combined cover for your home arranged through NatWest in the UK

An introduction to NatWest UK Home Insurance is available to residents in the Isle of Man. NatWest Home insurance policies are underwritten by U K Insurance Limited.

The legal bit

Why pick Buildings and Contents Insurance?

  • You can choose between two levels of cover and add optional extras.
  • This policy has been awarded the highest Defaqto rating (2019).
  • Pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18's only. Representative 0.0% APR).

 

The details

Cover options

Standard home insurance

Up to £1m Building cover (the amount we will pay up to for the cost of repairs or the rebuild of your home) following a valid claim. £50,000 (new for old) contents cover (the total amount we will pay up to for repair or replacing affected contents). You can also add optional extras to Standard home insurance.

Elite home insurance

All the features of Standard but with higher levels of cover. Unlimited Building cover (the amount we will pay up to for the cost of repairs or rebuild of your home) following a valid claim. £100,000 (new for old) Contents cover (the total amount we will pay up to for repair or replacing affected contents).

Core cover

Building cover

You can claim towards the cost of repairing or rebuilding your home following a valid claim.

Contents cover

We’ll replace new for old, regardless of wear and tear following a valid claim.

Downloaded data

If you’ve paid for and downloaded digital content onto your home computer or mobile device this is covered. Downloaded data has a limit of £1000.

Contents away from the home

Covers certain personal belongings that you can wear or you take outside the house (e.g. jewellery, bicycle or tablet).

Optional extras

Accidental damage

We’ll pay for unintentional damage (such as DIY accidents) in parts of the building you’re responsible for. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Home emergency

You’ll get up to £500 towards call-out, labour and parts if there’s an emergency in your home. This would be an optional extra for both Standard and Elite insurance.

Personal possessions

You can get cover for items taken outside your home (e.g. laptops, jewellery, bicycles). This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Legal protection

Provides financial help towards you and your dependents in certain legal disputes (if the claim has at least 50% chance of success) and access to a 24-hour confidential advice line. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Important information

We want to make sure you have all the information you need. Before you get in touch for your quote, please take some time to read or download and save these documents.

How do I apply?

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By Phone

Call: 0345 246 0449

Lines are open Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday 10am - 5pm. Excluding Christmas Day, Boxing Day, New Year's Day and Easter Sunday.

Calls may be recorded. 

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In Branch

Call in to one of our branches to discuss your home insurance needs. Offers available in branch may differ from our website.