NatWest offers the following levels of home insurance cover:
What does NatWest’s home insurance cover?
Elements marked with a ✔ are covered as standard, those marked with a ✖ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
Does NatWest offer the best home insurance?
Here’s how NatWest scored in our latest home insurance survey:
NatWest Home And Mobile Insurance review
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
NatWest’s home insurance policy: is it good or bad?
NatWest’s standard buildings cover achieved an above-average score of 72%, ranking it 14th of the 58 policies we looked at.
NatWest’s contents cover performed a little less well with a score of 66% and a rank of 19th out of 58.
Best and worst features of NatWest’s home insurance policy
NatWest doesn’t charge interest for paying monthly, expands your contents cover by 10% for special events such as weddings, and will cover the damage caused by the gradual build up of groundwater.
However, there is no cover for credit cards in or away from home and there is a £450 escape of water excess for both buildings and contents cover.
We’ve rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you’re not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of NatWest’s Home insurance rated
Table last updated in March 2022. Next update in March 2023.
Does NatWest offer different levels of home insurance cover?
NatWest also offers a higher level of cover with its Premier home insurance.
The Premier policy was joint first, in our analysis, with RBS Premier policy. Its buildings cover scored 84%, and its contents cover scored 90%.
Premier cover includes full accidental damage and personal possessions cover as standard.
NatWest also offers Premier home insurance, which features a higher level of cover. Log in to find out how we rated it.
How can you save money on NatWest home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy – but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
NatWest home insurance can be purchased online and over the phone, and it offers a three-year fixed-price if bought over the phone or in a branch.
It is not available on price comparison websites.
- Find out more: how to get cheap home insurance
What is NatWest’s home insurance claims number?
If you need to make a home insurance claim with NatWest call 03452460431.
NatWest advises you have your home insurance policy reference number ready before calling to help start your claims process.
Your claims handler will ask for details about what happened and how much you’re claiming for.
Find out more about claiming successfully in our guide to making a home insurance claim.
