Your Policy Summary
Please read this document carefully which provides a summary of cover. It does not show all of the benefits,
exclusions or limits. Please refer to the policy booklet and policy schedule for full details of all terms, conditions and
Endorsements or Excesses that may apply.
Features of a NatWest Essentials Home Contents Insurance Policy
The Essentials Contents Home Policy You have purchased is underwritten by U K Insurance Limited and will run for
12 months. Your policy schedule will show which of the following sections of cover You requested.
The shaded areas on this document are for use by NatWest branch staff. If you are purchasing this policy online
please ensure you read the full policy summary.
Cover Included As Standard
Section 1 – Contents
Key Benefits
Main Exclusions
Paragraph A – Loss or Damage
This section will not cover the following items:
You are covered for:
•laptop Computer Equipment
•Fire
•
other Portable Electronic Equipment
•
Storm or Flood
•
Water or oil escaping
•
mobile phones and their accessories
•
pedal cycles
•
landlords fixtures and fittings
•Theft
•
Vandalism or malicious acts
What is covered:
Your policy will not pay for the following:
•Household goods and any other articles belonging
to You or any member of Your family who live with
you at Your Home
•property (including Money) held or used for any
profession, business or employment
•
•vandalism or malicious acts caused by You or any
other person who lives at the address shown in
the schedule
Money in the Home up to £50
Paragraph B – Extra Cover (Extra benefits included
as standard)
•
Contents away from Your Home up to £250
•Belongings during Vacation up to £3,500 or the
Contents sum insured, whichever is lower. (This
cover is applicable only if You are a Student)
•Replacing purchased or downloaded information
stored on Home Entertainment Equipment and
mobile phones up to £250.
•College property on loan up to £200 for College
library books and £500 for other College property.
(This cover is applicable only if You are a Student)
•
property in garages, sheds and other outbuildings
Your policy will not pay for theft:
•of Money unless force and violence is used to get
into Your Home
•if left in Your Home while Unoccupied during
Vacation unless involving forcible and violent
entry (applicable to Students only)
After your home has been unoccupied for more
than 30 days in a row your policy will not pay for:
•
theft or attempted theft
Section 1 – Contents (continued)
Key Benefits
Main Exclusions
•The reasonable cost of alternative
accommodation while insured repairs are carried
out if Your Home is unfit to live in (up to 20% of
the sum insured)
•
vandalism or malicious acts
•
water or oil escaping
•Cover for Your belongings whilst in transit at the
beginning and end of a College term up to £500
for any one single carrying device. (This cover is
applicable only if You are a Student)
•
Your policy will not pay more than:
£500 for any one item
•£1,500 in total for Home Entertainment
Equipment
Excess
An excess of £25 is payable in addition to any other excess which may apply.
Optional Extras (these sections are only applicable where selected)
Section 1C – Accidental Damage Cover – Contents
Extra cover for accidental breakage of items like TV’s and ornaments, as well as DIY disasters like spilt
paint on carpets or furniture.
Paragraph C – Accidental Damage Excess
£25
Section 2 – Laptop Computer Equipment and Other Portable Electronic
Equipment Cover
Laptop Computer Equipment and other portable electronic equipment such as MP3 players and hand held games
consoles belonging to You or any member of Your Family who lives with You at Your Home.
Key Benefits
Main Exclusions
Paragraph A – Loss or damage
Your policy will not pay for the following:
•
Accidental loss
•
Accidental damage
•property held or used for any profession, business
or employment
•Theft
while in Your Home and anywhere else in the British
Isles
Paragraph B – Extra Cover
(Extra benefits included as standard)
Your policy will not pay for theft:
•
from an unattended motor vehicle
•from anywhere other than Your Home (or
Permanent Home Address if You are a Student)
unless involving forcible and violent entry or exit
•Overseas Travel - Cover applies for up to 30 days
elsewhere in the world
•if left in Your Home while Unoccupied during
Vacation unless involving forcible and violent
entry (applicable to Students only)
Cover for belongings if left in the Term Time Address
while Unoccupied during Vacation (only applicable if
You are a Student)
•if left unattended at any time in a place which
has public access
For property left in Your Home after Your Home
has been Unoccupied for more than 30 days in
a row (other than during Vacation if You are a
student) Your policy will not pay for:
•
theft or attempted theft
•
vandalism or malicious acts
•
water or oil escaping
Your policy will not pay more than:
•£750 for any one item of Laptop Computer
Equipment
•£250 for any one item of Other Portable
Electronic Equipment
Excess
An excess of £25 is payable in addition to any other excess which may apply.
Section 3 – Mobile Phone Cover
Any mobile phone belonging to You or any member of Your Family who lives with You at Your Home.
Key Benefits
Main Exclusions
Paragraph A – Loss or damage
Your policy will not pay for the following:
•
Accidental loss
•
Accidental damage
•property held or used for any profession, business
or employment
•Theft
while in Your Home and anywhere else in the British
Isles
Paragraph B – Extra Cover (Extra benefits
included as standard)
•Overseas Travel - Cover applies for up to 30 days
elsewhere in the world
•Cover for belongings if left in the Term Time
Address while Unoccupied during Vacation (only
applicable if You are a Student)
•
the cost of unauthorised calls
Your policy will not pay for theft:
•
from an unattended motor vehicle
•from You except by robbery or where Your
mobile phone has been concealed and not left
unattended
•if left in Your Home while Unoccupied during
Vacation unless involving forcible and violent
entry (applicable to Students only)
•unless reported to the police within 24 hours of
the incident
For property left in Your Home after Your Home
has been Unoccupied for more than 30 days in
a row (other than during Vacation if You are a
student) Your policy will not pay for:
•
theft or attempted theft
•
vandalism or malicious acts
•
water or oil escaping
Your policy will not pay more than:
£500 in respect of any one claim
Excess
An excess of £25 is payable in addition to any other excess which may apply.
Section 4 – Pedal Cycles
Any pedal cycle belonging to You or any member of Your Family who lives with You at Your Home.
Key Benefits
Main Exclusions
Paragraph A – Loss or damage
Your policy will not pay for the following:
•
Accidental loss
•Loss or damage while the cycle is being used for
racing, pacemaking or trials
•
Accidental damage
•Theft
while in Your Home and anywhere else in the British
Isles
Paragraph B – Extra Cover
•Overseas Travel - Cover applies for up to 30 days
elsewhere in the world
•Cover for belongings if left in the Term Time
Address while Unoccupied during Vacation (only
applicable if You are a Student)
Your policy will not pay for theft:
•when the cycle is unattended unless the cycle is
in a locked building or immobilised by a security
device
•if left in Your Home while Unoccupied during
Vacation unless involving forcible and violent
entry (applicable to Students only)
For property left in Your Home after Your Home
has been Unoccupied for more than 30 days in
a row (other than during Vacation if You are a
student) Your policy will not pay for:
•
theft or attempted theft
•
vandalism or malicious acts
•
water or oil escaping
Your policy will not pay more than:
£250 in respect of any one pedal cycle
Section 5 – Specified Items
Any item belonging to You or any member of Your Family who lives with You at Your Home, which has
been specified on Your policy.
Key Benefits
Main Exclusions
Paragraph A – Loss or damage
Your policy will not pay for the following:
•Accidental loss
•
laptop Computer Equipment
•
•
other Portable Electronic Equipment
•Theft
•
mobile phones and their accessories
while in Your Home and anywhere else in the British
Isles
•
pedal cycles
Paragraph B – Extra Cover
•property held or used for any profession, business
or employment
Accidental damage
•Overseas Travel - Cover applies for up to 30 days
elsewhere in the world
•Cover for belongings if left in the Term Time
Address while Unoccupied during Vacation (only
applicable if You are a Student)
Your policy will not pay for:
For property left in Your Home after Your Home
has been Unoccupied for more than 30 days in
a row (other than during Vacation if You are a
student) Your policy will not pay for:
•
theft or attempted theft
•
vandalism or malicious acts
•
water or oil escaping
Your policy will not pay for theft:
•
from an unattended motor vehicle
•if left in Your Home while Unoccupied during
Vacation unless involving forcible and violent
entry (applicable to Students only)
Your policy will not pay more than:
•
£1,500 for any one item, set or collection
Excess
An excess of £25 is payable in addition to any other excess which may apply.
Section 6 – Legal Protection
Key Benefits
24hr advice/claim line – access to legally qualified
staff to advise you on any private legal problem, and
for reporting a claim
Up to £50,000 Legal Costs for:
•
Personal Injury claims
•
Contract disputes
•
Landlord/tenant disputes
•
Legal Defence
Main Exclusions
Personal Injury
•Any claim to do with a motor vehicle, its parts
or accessories (except a claim against another
person or organisation for Your death or bodily
injury which happened while You were a
passenger in a motor vehicle)
Contract Disputes
•Any claim where the amount in dispute is less
than £100
•Any claim relating to a motor vehicle, its parts or
accessories
•Any claim relating to leases, tenancies or a
licence to occupy
Landlord/Tenant
•Any claim relating to rent, service charges or
renewal of the tenancy agreement
Legal Defence
•
Defending any motoring prosecutions
Rights to cancel
If this cover does not meet Your requirements, please call us on 0345 301 5286 within 14 days of receipt of Your
documents or of the start date of the policy which ever is later. We will refund any premium that You have paid,
providing no claim has been made.
If either We or You cancel Your policy we may refund any premium paid for the remaining period of insurance
providing that You have not made any claim during that current period. You will have to pay the administration fee
as shown in Your Schedule if You cancel Your policy.
How to Claim
To notify Us of a claim in the first instance please telephone 0345 301 5286.
How to Complain
If you have a complaint, please call us on 0345 301 5286. If your complaint is about a claim, contact your claims
handler, whose details will be shown on your claim documents. If you want to complain in writing please send your
letter to one of the following:
a)For complaints about claims, write to the Regional Customer Service Manager at the address shown in your
claims documents.
b)For all other complaints write to the Customer Relations Manager at Churchill Court, Westmoreland Road,
Bromley, Kent BR1 1DP.
Our staff will attempt to resolve your complaint immediately. If this is not possible, we promise to acknowledge your
complaint within five business days of receipt. In the unlikely event that your complaint has not been resolved within
four weeks of its receipt, we will write and let you know the reasons why and the further action we will take.
If we cannot resolve the differences between you and us, you may refer your complaint to the Financial
Ombudsman Service (FOS). Their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR.
Telephone 0300 123 9123 or 0800 023 4567.
You can visit the FOS website at www.fos.org.uk
Details about Our Regulator
U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority, registration number 202810. The Financial Conduct Authority
website, which includes a register of all regulated firms can be visited at www.fca.org.uk, or the Financial Conduct
Authority can be contacted on 0800 111 6768.
The Financial Services Compensation Scheme
General insurance claims are covered by the Financial Services Compensation Scheme. Full details of the cover
available can be found at www.fscs.org.uk. U K Insurance Limited is a member of this scheme.
NatWest Essentials Home Insurance is underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in
England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority. Calls may be recorded.
Web Site www.natwest.com
NW ESSHPS 0516