Paul Sanchez
NatWest offers mobile phone insurance to its Silver, Platinum, and Black account customers. This insurance covers the policyholder's phone against loss, theft, accidental damage, and breakdown. Family cover is included for Black account customers, and worldwide cover is included for all account types. The excess fee for a Silver account is £100, while repairs by post for a Black account cost £100. NatWest will try to provide a replacement phone of the same model, but if that is not possible, they will provide one with similar features and functionality.
| Characteristics | Values |
|---|---|
| What is covered | Loss, theft, accidental damage, and breakdown |
| Who can get it | Silver, Platinum, or Black account customers |
| Cost | £100 excess fee for repairs by post for Silver account customers; £50 excess fee for repairs by a technician for Black account customers |
| Family cover | Included for Black account customers, covering the account holder, their partner, and children under 18 (or 23 if in full-time education and living at home outside of term time) |
| Worldwide cover | Yes |
| Accessories cover | Up to a combined value of £250 |
| Number of claims | Silver account: one successful claim per year; Platinum account: two successful claims per year; number of claims doubled for joint accounts |
| Screen size | Under 7 inches |
| Phone type | Most models of mobile phones; must be the manufacturer's standard design and not made from precious or semi-precious materials |
| Replacement phone | Will be the same model, or one with similar features and functionality if the same model is not available |
Explore related products
What You'll Learn
NatWest's Silver account insurance
If you're a NatWest Silver account holder, you can get mobile phone insurance to protect your smartphone against damage, loss, breakdown, or theft. This insurance is underwritten by Aviva Insurance Limited.
The Silver account insurance covers the phone you use daily, including a joint account holder's phone. This means that if you have a joint account, the person you share the account with is also covered. However, phones owned by your employer are not covered.
The insurance covers repairs or replacement parts for damage or if something goes wrong after your manufacturer's warranty has expired. It also provides a replacement phone if yours is lost or stolen. This insurance covers worldwide, so you're protected no matter where you are. It also includes accessories, up to a combined value of £250.
The Silver account insurance allows for one successful claim every 12 months. If you need to make a claim, you can do so online or by calling an agent. The excess fee for repairs is £50 if you take your phone to a technician or they come to you, and £100 if you send your phone for repairs by post. If your device needs to be replaced, the excess fee is £100. NatWest will try to provide you with the same model as the one you've claimed for, but if they can't, they'll give you a phone with similar features and functionality.
Arthritis: An Insurable Pre-Existing Condition
You may want to see also
Explore related products
Platinum account insurance
In addition to travel insurance, the Select Platinum Account offers mobile phone insurance. This covers loss, theft, accidental damage, and breakdown of your phone. It is important to note that this insurance applies to the phone used daily by you and any joint account holders. This means that if you are a joint account holder, your phone is also covered.
The Reward Platinum Account also offers a range of benefits, including worldwide travel insurance and no non-sterling transaction fees when using your Reward Platinum debit card abroad. This account provides access to exclusive dining deals through tastecard, offering savings like 2-for-1 meals, 50% off food, or 25% off on both food and drinks at thousands of restaurants in the UK and Ireland.
To access the insurance benefits of your Platinum Account, you can log in to your NatWest mobile app or Online Banking. From there, you will be directed to your Membership Services account, where you can find full terms and conditions, as well as any exclusions or excesses that apply to your specific account.
Insuring a Pre-Owned Phone: What You Need to Know
You may want to see also
Explore related products
Black account insurance
If you are a NatWest Black account holder, you are eligible for a range of insurance benefits. These include worldwide travel insurance, mobile phone insurance, and home emergency cover.
Travel Insurance
The Black account's travel insurance covers you, your eligible partner, and dependent children for trips up to 90 days, including 31 days for winter sports. The policy also includes up to £10 million in emergency medical expenses cover. It covers any privately registered vehicle you travel in, anywhere in the UK and Europe, and also if your vehicle is being driven by someone else with your permission. Additionally, you get access to DragonPass Premier+, which gives you unlimited access to over 1,100 international airport lounges, including over 40 in the UK.
Mobile Phone Insurance
The mobile phone insurance covers loss, theft, accidental damage, and breakdown. This includes standard accessories that are lost, stolen, or damaged at the same time as your phone, up to £250. The cover is for the phone used daily by you, your partner, and/or your children under 18 years old (under 23 if in full-time education and living at home outside term time).
Home Emergency Cover
The home emergency cover includes two homes in the UK (excluding rented properties) up to £750 including VAT. This cover is for your main residence and any second home you own in the UK.
Other Benefits
The Black account also includes Accident Assist, a 24/7 accident claims service provided by the AA, and UK and European breakdown cover.
Understanding Hypnotherapy Insurance Billing for Better Reimbursement
You may want to see also
Explore related products
Worldwide cover
NatWest's phone insurance provides worldwide cover for up to 90 days each year. This means that your phone is insured when you travel outside of the UK for up to 90 days in total within the policy year. It is important to note that the cover is only valid if you have been a UK resident for at least six months prior to the start of the policy and if your phone is purchased in the UK.
The worldwide cover includes protection against theft, loss, and accidental damage while you are abroad. This means that if your phone is stolen, lost, or damaged during your trip, you can make a claim and NatWest will arrange a replacement or repair. It is important to report any incidents to the local police within 24 hours and obtain a crime reference number. Keep any damaged or stolen items to send to the claims team.
In the event of a claim, you will need to provide proof of ownership, such as a receipt or purchase confirmation. You will also need to provide proof of your trip, such as travel tickets or accommodation receipts. Make sure you inform your network provider as soon as possible and obtain a letter from them confirming that they have barred the phone to prevent further usage and any unauthorized charges.
It's important to understand what is not covered by the worldwide insurance. Any incident that occurs outside of the 90-day period will not be covered. Additionally, any loss, theft, or damage that happens in the country of your permanent residence, even while on holiday, will not be covered. Make sure to review the full terms and conditions of the policy to understand the specific exclusions and limitations.
Becoming Bonded and Insured in North Carolina: A Guide
You may want to see also
Explore related products
Claiming through home and contents insurance
You can insure your phone with NatWest through the Silver, Platinum, or Black current account. These accounts offer protection against theft, loss, accidental damage, and breakdown. The Silver and Platinum accounts differ in that the Silver account only allows for one successful claim every 12 months, whereas the Black account allows for four approved claims in the same period. Family cover is included with the Black account, meaning the phones used daily by you, your partner, and your children under 18 years old (or under 23 years old if they are still in full-time education and living at home outside term time) are covered.
Now, if you're looking to claim through home and contents insurance, here's what you need to know:
First, it's important to understand the limitations of this approach. While many home insurance policies include mobile phone cover, this typically applies only when your phone is inside your home. This means you won't be automatically covered when you're outside, which is where most incidents occur. Additionally, a home and contents policy may have a higher excess than a standard mobile phone insurance policy, resulting in higher costs when you need to make a claim. Furthermore, claiming on one item through your home and contents insurance can affect your entire premium rate, potentially increasing your insurance costs when it's time to renew.
Despite these considerations, claiming through home and contents insurance can still be a viable option in certain situations. If your mobile device is broken, stolen, or lost inside your home, you can file a claim with your home insurance provider to get reimbursed. The process for making a claim will vary depending on your specific home and contents insurance provider, so be sure to review your policy documents or contact their customer support for detailed instructions.
In general, when making an insurance claim for your phone, whether through a dedicated mobile phone insurance policy or home and contents insurance, it's essential to act promptly and provide all the necessary information. Report the incident to your insurance provider as soon as possible, and if your phone has been stolen, be sure to also notify your network provider and the police, who will provide you with a crime reference number.
Obamacare: A Popular Insurance Switch
You may want to see also
Frequently asked questions
NatWest's mobile phone insurance covers loss, theft, accidental damage, and breakdown. It also includes worldwide cover and accessories up to a combined value of £250.
The cost of NatWest's mobile phone insurance depends on the type of account you have. Silver account holders pay a separate £100 excess fee, while Platinum account holders get a like-new replacement.
You can make a claim by logging in to register a claim online or by calling an agent.
NatWest covers most models of mobile phones. Your device must be the manufacturer's standard design and specification, have a screen size of less than 7 inches, and not be made from precious or semi-precious materials.
