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Buildings insurance

Home owners insurance 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 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 rebuild of your home) following a valid claim, and optional extras giving you flexibility to adjust to your needs.

Elite home insurance

All the benefits of Standard, 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. For more information on what the policy covers, please read the Elite insurance product information document and policy document.

Core cover

Building cover

You can claim towards the cost of repairing or rebuilding your home following an insured event.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, reasonable costs of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered.

Lock replacement

You can claim reasonable costs of replacing and fitting new locks to external doors if your keys are lost or stolen.

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.

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.

Personal possessions

You can get cover for items taken outside your home e.g. laptops, jewellery, pedal cycles. 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.