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Contents insurance

Cover for your belongings 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 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

With £50,000 cover and the flexibility to add optional extras such as accidental damage and contents away from the home.

Elite home insurance

All the benefits of Standard, with higher levels of cover. £100,000 cover.

Core cover

New for old

We’ll replace new for old, regardless of wear and tear.

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.

Special events

We’ll increase the amount your contents are insured for (‘sum insured’) by 10% over Christmas.

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 £1,000.

Optional extras

Accidental damage

Covers the contents of your home against unintentional damage. This would be an optional extra for Standard insurance cover and included with Elite insurance cover.

Contents away from home

Option to increase the amount that certain personal possessions you can wear or take outside the house (e.g. laptop, jewellery, bicycle) are insured 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.

Legal Protection

Provides financial help towards 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.