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This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
In this article
NatWest offers a range of home insurance options, as well as life insurance and travel insurance.
Its home insurance is underwritten by UK Insurance – which is part of the Direct Line Group and underwrites Direct Line and Churchill, among other brands.
It offers a standard Home insurance policy, Elite cover and also Renters home insurance, and we've reviewed all three policies. It sells direct to customers – the policies do not appear on price comparison sites.
We've also surveyed 37 NatWest customers who've recently made a home insurance claim.
Please note that this article is for information purposes only and does not constitute advice.
Here's how NatWest scored in our latest home insurance survey.
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed three NatWest policies. Select a policy from the table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £50,000 | |
| Buildings - Burst pipes | As standard | |
| Buildings - Escape of water excess | £450 | |
| Home emergency cover limit | £500 | |
| Home emergency - Central heating/boiler repair | £500 | |
| Buildings - Groundwater flooding | As standard | |
| Subsidence excess | £1,000 |
Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying.
This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Dean Sobers, Which? home insurance expert, says:
NatWest’s standard policy, named 'Home, held a buildings score of 69% – just below the average score of 71%. And its contents score was exactly average – 68%.
Its features include cover for contents damaged or lost while moving house. We also liked that it doesn't charge many fees and doesn't charge interest for paying monthly.
However, it does charge a cancellation fee (£27) if you switch before renewal.
One area in which it fell down was the comparatively low levels of cover for alternative accommodation if you have to be temporarily rehoused during a claim. If you have buildings cover by itself, your alternative accommodation limit is £25,000 – which sounds like a lot but is well short of the average and below the £50,000 we recommend.
If a member of your family lives away from home during term times to study, they take £5,000 of the standard policy's contents cover with them.
With the Elite policy, this cover extends to £10,000.
NatWest's Elite policy had a slightly higher-than-average buildings score of 72%. Its contents score performed even better. It earned 77% – placing it in the top fifth of our table – and gained a Best Buy badge.
Its Renters' Home Insurance, which provides pared-down, contents-only cover to renters, was less impressive, with a contents score of 45% (well below the 68% average).
To be fair, renters' cover isn't directly comparable with products aimed at both renters and homeowners, as some of the 'missing' features (such as home emergency cover) would typically be the responsibility of the landlord.
We asked NatWest customers who have recently made a claim how they felt about their home insurance.
NatWest received a customer score of 69% – joint 8th out of 17 providers rated.
It scored 66% when we asked people to rate its claims handling – joint 12th out of 24 brands compared. See the list of results here.
When we asked more about the rating customers gave NatWest, several said they received 'great customer service' and the people they spoke to were 'very friendly and helpful'. One claimant told us: 'I had damage to my flooring in the kitchen and they replaced it all without any problems.'
| How comprehensive the policy cover is | |
| How affordable the policies are | |
| How thorough the application process is | - |
| Clarity of Policy | |
| Dealing with queries | |
| Fair treatment of long-standing customers | - |
| Dealing with complaints |
Table last updated in September 2025. Next update in September 2026.
"-" represents where we have insufficient sample size (less than 30) to generate a star rating.
NatWest sample size: Customer score, 37; Claims score, 54
NatWest doesn't sell home insurance on comparison websites, so you'll need to go to its website directly, call it or visit one of its branches. You'll get the best quote online.
It's also in a minority of home insurers that offer a financial incentive to customers jumping ship from other providers.
If you incur a cancellation fee from another insurer for cancelling before renewal to take out insurance with NatWest, you can claim up to £50 of this back from NatWest. This is available with all three policies we reviewed – Home. Elite and Renters.
Want to pay monthly? Good news - NatWest doesn't charge interest for paying monthly rather than annually.
The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.
With a customer score of 69%, NatWest had the same score as Allianz. Both these brands were just under Direct Line – in 7th with a customer score of 71%.
Its building cover for its standard Home policy scored 69%, beaten by the standard policies of Admiral and the AA on 70%.
As for contents insurance, NatWest's standard policy scored 68%. It was just behind standard policies from Tesco and Lemonade – with 70%.
If you need to make a claim with NatWest home insurance, and you own a Home or Elite policy, call 0345 246 0449. Those with Renters' insurance can call 0345 301 5286.
You can also make a claim online.
This depends on which policy you're looking at – the Elite policy is a Best Buy and hence a great option.
The standard policy's more average scores (and the average scores given to NatWest by customers and claimants) mean it's worth looking at if the price you're being offered is low.
Find the right policy for your home using the service provided by Confused.com
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