Buildings Insurance | NatWest International

Buildings Insurance

Insurance for home owners can be arranged through NatWest in the UK

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An introduction to NatWest UK Home Insurance is available to residents in the Channel Islands, Isle of Man and the UK. Underwritten by U K Insurance Limited.

NatWest Home Insurance is introduced (for all website sales) by The Royal Bank of Scotland International Limited trading as NatWest International. NatWest Home Insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810

Protection for your home

Buildings insurance covers the structure, fixtures and fittings of your home.

Why pick Buildings Insurance?

NatWest's Home Insurance policy has the highest Defaqto rating and you can fix your premiums for three years.  

  • Pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18's only. Representative 0.0% APR)
  • Optional extras available

Buildings insurance covers items like:

  • Windows
  • Fitted kitchen
  • Outbuildings
  • Walls
  • Fences
Two levels of cover

Choose a level of cover that suits your needs and then tailor your protection with optional extras.

  • Standard home insurance

  • Elite home insurance

  • Optional extras

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 giving you flexibility to adjust to your needs.

Core cover includes:

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

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.

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.

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.

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

3 years fixed price Terms & Conditions - Fixed price ends if a claim payment is made. Price may change if you amend your policy. Excludes Premier Insurance.

Fix your home insurance price for 3 years

We understand the value of knowing exactly how much you'll pay for your home insurance, so when you take out a NatWest Home Insurance policy you'll get a fixed price for the next two renewals.

No change to your premium for 3 years

Comprehensive 5* Defaqto rated cover with Standard and Elite policies (underwritten by U K Insurance Limited)

24/7, 365 days a year emergency helpline

How NatWest Home Insurance fixed price policy works

The price of your cover is fixed for 2 consecutive renewals, subject to you renewing annually. The fixed price will end if a claim payment is made. If you make an amendment that affects the premium, the subsequent renewal premium(s) will remain fixed at the new price for the remainder of the fixed price period. Quotes are valid for 90 days. Underwriting criteria apply. Excludes Premier Insurance. Underwritten by U K Insurance Limited.

Switching your home insurance provider?

Switch to NatWest Home Insurance and you can claim up to £50 towards any cancellation fees your current insurer charges.

Once you’ve cancelled your existing cover and taken out one of NatWest's policies, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.

Important information

We want to make sure that you get the cover you need. So before we carry on to your quote, please take some time to read or download and save these documents.

No one likes surprises What to expect when getting a quote online

We'll ask you for...

  • Your personal details (name, address, date of birth etc.)
  • Details about your home like the type of porperty it is and how many bedrooms it has  

Build your policy...

  • Choose from 2 levels of cover, Standard and Elite
  • Personalise your cover limits and your excesses
  • Choose from our optional extras


Review and apply...

  • Review your personal details and your quote
  • If you're happy to go ahead then you can apply


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