Natwest Insurance Reviews 2023 | How it works, Pros and Cons

natwest insurance reviews
image source:

One longstanding rule of living is to have a comfortable life protected against any damage or unfortunate event. Not only that your mind be at rest whenever you’re out there, but you can also secure your future. In fact, you will have little or nothing to worry about because you’re sure that you and your family are covered. This is where Natwest Insurance comes to play. Natwest is an insurance company designed for the purpose of giving you the home and life insurance you need.

That means you won’t have to break your head or devise a means to rob a bank because of unforeseen circumstances like theft or fire outbreaks.

This article serves as Natwest Insurance Review guide because it encompasses relevant information about NatWest home insurance. Below is an overview of all you will learn;

  • About Natwest Insurance
  • How Natwest’s Insurance Policy Works
  • Natwest Home Insurance Coverage.
  • How Can I make a Natwest Home Insurance Claim?
  • How do I make a Claim on my mobile phone insurance?
  • What is the number for Natwest home insurance claims?
  • What is the Procedure for cancelling Natwest home insurance?
  • What’s the best way to acquire Natwest home insurance quotes?
  • Why should you get Life insurance from Natwest?
  • About Natwest Life Insurance Policy
  • Natwest term Life insurance and how it works
  • Natwest whole life insurance and how it works
  • what is the cost of Natwest life insurance?
  • What is the procedure for cancelling Natwest life insurance?
  • Natwest Home Insurance Login?
  • Natwest Home Insurance Phone Number

Let’s dive right into it.

About Natwest Insurance 2023

NatWest Insurance is an insurance system introduced by the NatWest Group, which owns other well-known brands such as Royal Bank of Scotland and Ulster Bank.

For clarity purposes, NatWest was founded in 1968 from the merger of Westminster Bank and National Provincial Bank.

Over the years, the company has provided financial products such as credit cards and loans, aside from the insurance system.

Aside from Natwest’s policy, you can also check out Rock Insurance Policy wording, Products, and Quotes.

How Does Natwest’s Insurance Policy work?

NatWest offers both home and life insurance policies. For home insurance, there are 3 levels:

  • Elite
  • Standard
  • Premier

While the Premier level provides particularly interesting contents insurance, the standard home insurance provides great building insurance coverage.

Natwest Home Insurance Coverage

For the standard level of Natwest home insurance, it covers the following:

  • Burst Pipes: This takes care of the cost of repairing burst pipes in the property.
  • Key cover: This takes care of the cost of replacing your house keys when misplaced or stolen.

On the other hand, the Premier level covers the following:

  • Home Emergency: This takes care of the emergency repairs resulting from home emergency.
  • Personal Possessions: This covers personal property against loss, damage or theft.
  • Accidental Damage: Cover damages of personal property.
  • Boiler cover: This takes care of the failure of a boiler or central heating system
  • Legal protection: Takes care of legal costs resulting from claims such as property and employment disputes.

How can I make a NatWest home insurance claim?

You must contact Natwest’s claim management staff to file a claim.

You’ll be asked for your insurance policy number than well as information about the claim, such as the date and time, photos, and any other parties involved.

How do I make a claim on my mobile phone insurance?

Once you discover theft, loss, accidental damage, or breakdown, contact your insurance network provider immediately.

Also, you must report it to the police and request a crime reference number. Keep in mind that if you’re outside the UK, your phone cannot be replaced or repaired until you return.

To get started, Register a claim online or call us.

  • Select Silver / Reward Silver: 0345 601 5219, overseas: +44 2392 664 912
  • Select Platinum / Reward Platinum: 0345 609 0453, overseas: +44 2392 668 650
  • Black / Reward Black: 0345 601 7188, overseas: +44 2392 660 340

What is the number for NatWest’s home insurance claims?

Call NatWest home insurance at 0800 533 5205 if you need to submit a claim. Before contacting to begin the claims procedure, NatWest recommends having your home insurance policy reference number handy.

Your claims handler will inquire about the incident and the amount you seek compensation for.

In our guide to making a home insurance claim, you can learn more about how to make a successful claim.

Check out: Bedford Insurance Group | How It Works, Is it Legit or Scam?

What is the procedure for cancelling NatWest house insurance?

For cancelling your NatWest home insurance, give a 14-day notice of cancellation and then pay the following cancellation fees: During the cooling-off period, there are no fees. Outside of the cooling-off period, fees are £27.

Alternatively, you can cancel your insurance choice by calling the company. Simply dial 0345 2460 449.

What’s the best way to acquire NatWest home insurance quotes?

It couldn’t be easier to acquire a quote from NatWest online.

You can compare the major house insurance deals on the market with our home insurance comparison tool. If you decide that NatWest fits your needs best, simply click the ‘Get quotation’ button and follow the on-screen instructions.

In less than ten seconds, you can compare 42 home insurance quotes.

To obtain NatWest house insurance quotations, you will need to supply the following information:

Information about yourself:

Identification, age, phone number, and occupation

  • Your postal code and address
  • History as a homeowner (claims included)
  • Residence’s description (type of property, the date it was built, how many square meters inside and outside)
  • Property status, such as whether you own it, rent it or have a mortgage on it.

Extras you want on your house insurance, as well as the contents, total insured, and the excess you want to spend. You will attend to some important questions, like:

  • Are you a first-time home buyer?
  • Has the property ever had any evidence of sinking, cracking, or subsidence or undergone any underpinning?
  • Whether there ever been a flood on the property?
  • Has someone who lives continuously at the property made or been the subject of a house claim for loss or damage in the last X years?

Check out: Urban Jungle Insurance Reviews 2023 | How it works, Coverage, Pros and Cons

Why should you get life insurance from Natwest?

There are numerous factors to consider when purchasing Natwest life insurance. One of the most crucial insurance plans is to have life insurance, as it is the best way to safeguard your loved ones in the event of your death.

Life insurance from Natwest has a lot to offer. With its life insurance, you can get:

Smart Health App: This support service gives policyholders access to doctors 24 hours a day, 7 days a week.

Accidental Death Benefit: The policyholder is entitled to a lump payment if he or she dies in an accident while applying for a Life Insurance policy with AIG and waiting for it to be underwritten.

In the event that a policyholder dies as a result of a terminal illness, coverage is provided.

That being said, there are still some important considerations you should make before opting for Natwest life insurance:


  • Whole life cover is supplied with a Defaqto rating of 3 stars.
  • Covers that increase and decrease are available.
  • Policyholders are eligible for a £75 gift voucher.


  • No live chat option TrustPilot rating of 1.4/5
  • Only three critical medical conditions are covered by the critical illness insurance.

About Natwest life insurance policy

Natwest Life Insurance offers a variety of life insurance policies, including:

  • Term life insurance from Natwest
  • Natwest has almost 60 years of experience in whole life insurance.
  • Natwest’s critical illness insurance

Natwest term life insurance and how it work

With Natwest Life insurance, you can pick from three options:

If you die during a specified length of time, your loved ones will get a payment from Natwest Level Insurance. During a specified time period, you will receive the same amount. You can get life insurance for 5, 10, 20, or 30 years depending on your needs.

If you die during a specified length of time, your loved ones will get a payment from Natwest Decreasing Cover.

Over the course of the policy, the quantity diminishes. It’s especially advantageous if you have a loan because the interest rate tends to drop with time.

The declining Life Insurance rates are calculated to match the interest rate on your mortgage. This insurance is also known as Natwest mortgage life insurance.

Natwest raises coverage: The insurance amount to be paid grows every year on the day the policy was taken out, based on the Retail Prices Index, up to a maximum yearly increase of 10%.

Furthermore, to qualify for Natwest Term life Insurance, you need a minimum term of three years and a maximum term of 70 years. Then a £5 monthly minimum premium.

Natwest whole life insurance and how it works

Natwest over 60 life Insurance is a full life insurance policy for UK residents from 60 to 80. Acceptance is guaranteed, and no medical inquiries are requested.

In the event that the insured passes away, funeral benefits are available. Smart Health gives you access to a virtual GP 24 hours a day, 7 days a week.

What is the cost of Natwest life insurance?

The main issue is determining how much life insurance you’ll need. Your response to this question mostly determines the price of your life insurance.

However, the cost of your life insurance will be determined by several factors, including:

  • Your medical problems
  • Whether you’re a smoker or not
  • the life insurance add-ons you choose
  • Yearly salary
  • The protection you require
  • Whether you take out a joint policy or not is a personal decision.

What is the procedure for cancelling Natwest life insurance?

You may be required to pay administrative fees and:

  • The money paid will be reimbursed in full if the insurance coverage is terminated within 30 days.
  • There will be no returns if the insurance coverage is terminated after 30 days.

For further information, call Natwest life Insurance at 0845 600 1194.

Alternatively, you can send an email to:

AIG Life Limited’s Customer Service Team

12010, Box


9LG CM20

NatWest Home Insurance Login?

You can access your home insurance customer portal at NatWest using this link:

Natwest Home Insurance Phone Number

For Natwest Home Insurance Claim and Queries Contact, call 0345-246-0449

Address: 135 Bishopsgate, London EC2M 3UR.



Natwest is an insurance designed for the purpose of giving you the home and life insurance you need. With either Natwest home or life insurance, you can give your future and generation long-lasting security.

Relate Article

Leave a Reply

Your email address will not be published. Required fields are marked *