Renters Insurance | NatWest International


Renters Insurance

For tenants and students

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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

Covering the things that matter most

Renters Insurance is contents insurance specifically for tenants and students living in halls of residence.

Why choose Renters Insurance?

Choose how much your contents are insured for (from five values) and tailor your policy with optional extras.

  • 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)

Cover for items like:

  • Clothes
  • Computers
  • TV's
  • Downloaded content
  • Furniture
  • Jewellery
  • Curtains
  • Core cover

  • Optional extras

Core cover

Choose to insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden.

Core cover includes:

Alternative accommodation
After you’ve made a valid claim, if your home is unfit to live in, the cost of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered for up to 20% of your ‘sum insured’.

Replace new for old
No deductions for wear and tear. We will replace new for old. We will replace or repair items or parts, or pay you the amount it would’ve cost to replace or repair an item or part using our own supplier.

Download content
Claim up to £1000 to replace content you’ve paid for and downloaded onto your home computer, laptop, mobile phone or any other portable device.

Money in your home
Cash, cheques and vouchers that are lost or stolen are covered up to £500.

Optional extras

Personal possessions cover (outside your home)
You’re covered for up to £2,500 for accidental loss or damage to any possessions you wear or carry with you (e.g. jewellery, mobile phone, bicycle) when you’re out and about. It’s valid when you’re in the British Isles, when you’re overseas for a total of up to 60 days in any one policy year, and can cover your possessions in a bank or safe deposit box.

Legal protection
This covers any legal expenses you incur and the costs of your defence if any legal action is taken against you up to £100,000. It doesn’t include disputes about rent or tenancy renewal but it does include disputes about your tenancy agreement.

Accidental damage
This covers your possessions if they’re damaged suddenly, unexpectedly and unintentionally when they’re in your home

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.

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.

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.

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Illustration of house savings bank with falling coins

No one likes surprises What to expect when getting a quote online
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Illustration of identification card

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Illustration of 2 jigsaw pieces

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Illustration of laptop with cubes on screen

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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