Natwest

Natwest is owned by the Royal Bank of Scotland, which is in turn 73% owned by the British Government. The Government is in the process of selling off its remaining shares in the RBS Group.

Natwest is one of Britain's largest high street banks and offers the full suite of financial products. This includes insurance products as well as banking facilities.

Its home insurance is underwritten by U K Insurance Ltd, which owns brands such as Direct Line and Churchill. Its life insurance by Aviva Life & Pensions Ltd.

Natwest

Bank accounts

Ranked 25th of 27 providers reviewed.

Customer happiness 56%
Customer trust 44%
Complaints performance 74%
Transparency rating 26%
Fairer Finance score
Reviewed Spring 2018
50%

Credit cards

Ranked 26th of 35 providers reviewed.

Customer happiness 52%
Customer trust 44%
Complaints performance 74%
Transparency rating 42%
Fairer Finance score
Reviewed Spring 2018
53%
Gold ribbon: first place

Home insurance

Ranked 20th of 47 providers reviewed.

Customer happiness 54%
Customer trust 44%
Complaints performance 75%
Transparency rating 58%
Fairer Finance score
Reviewed Spring 2018
58%

Mortgages

Ranked 19th of 21 providers reviewed.

Customer happiness 56%
Customer trust 45%
Complaints performance 71%
Transparency rating 33%
Fairer Finance score
Reviewed Spring 2018
51%

Personal loans

Ranked 17th of 25 providers reviewed.

Customer happiness 55%
Customer trust 47%
Complaints performance 74%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2018
55%

Savings accounts

Ranked 33rd of 36 providers reviewed.

Customer happiness 45%
Customer trust 46%
Complaints performance 74%
Transparency rating 53%
Fairer Finance score
Reviewed Spring 2018
54%

Home insurance

Natwest

Private Insurance

5 stars
Escape of water excess i £100
Matching sets i
Theft from outbuildings i Unlimited
24hr helpline i
Alternative accommodation i Sum insured
Cover for keys/locks if lost i Sum insured
Money in the home i £2,500
New for old i

Natwest

Elite Home Insurance

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Natwest

Standard Home Insurance

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

Buildings insurance

Natwest

Private Insurance

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Trace & access i £15,000
24hr helpline i
Alternative accommodation cover limit i Sum insured
Compulsory excess i £100
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £100
Property owner liability i £5,000,000

Natwest

Elite Home Insurance

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Trace & access i £10,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Compulsory excess i £50
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £350
Property owner liability i £5,000,000

Natwest

Standard Home Insurance

3 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £25,000
Compulsory excess i £50
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £350
Property owner liability i £2,000,000

Contents insurance

Natwest

Private Insurance

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i Unlimited
24hr helpline i
Alternative accomodation i Sum insured
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Sum insured
Money in the home i £2,500
New for old i

Natwest

Elite Home Insurance

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accomodation i £30,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £1,000
New for old i

Natwest

Standard Home Insurance

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accomodation i £15,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i Part of sum insured
Money in the home i £500
New for old i

Life insurance

Over 50s life insurance

Natwest

Guaranteed Sixty-Plus Life Insurance (increasing insurance)

3 stars
Cover for accidental death in waiting period i 3x full payout
Premium ending age i 90
Waiting period (months) i 24
Can you reduce monthly payments? i
Funeral benefit option Not offered
Maximum age i 80
Missed payments allowance (days) i 30 days
Payout for accidental death outside waiting period i full payout
Protection for customers past the crossover point (refund) i

Natwest

Guaranteed Sixty-Plus Life Insurance (level insurance)

3 stars
Cover for accidental death in waiting period i 3x full payout
Premium ending age i 90
Waiting period (months) i 24
Can you reduce monthly payments? i
Funeral benefit option Not offered
Maximum age i 80
Missed payments allowance (days) i 30 days
Payout for accidental death outside waiting period i full payout
Protection for customers past the crossover point (refund) i