Compare phone insurance from Natwest

As part of their benefits package with their Reward Silver, Reward Platinum and Reward Black accounts, Natwest offer phone insurance as an add-on.

We've compared the mobile phone insurance from their Reward Black Account to our own Full Cover policy.

Is Natwest phone insurance worth it?

Natwest offer different types of reward accounts for their existing current account customers. There are monthly fees for maintaining all of the Reward Accounts.

Their Reward Silver (£10), Reward Platinum (£20) & Reward Black (£31) accounts provide a range of insurance options including for mobile phones. Some accounts offer you a discount or a refund on a proportion of the fee if you pay in a set amount each month, but this varies between suppliers.

We look into the Natwest Reward Black account phone insurance. To have this benefit, you will need to be an existing Natwest Reward Black account customer.

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How does Natwest phone insurance compare with Insurance2go?

On table below, we have listed the benefits of having phone insurance with the Natwest Reward Black account versus our own cover, to help you decide which one is best for you.

	Natwest (Full Cover – Reward Black Account)	Insurance2go (Full cover)
Does the policy include Worldwide cover?	Full worldwide cover after the warranty has expired. No one trip can be more than 90 days duration, or 31 days duration for any trip involving Winter sports activities (optional extension).	Our worldwide cover goes with you, provided that this is in line with current government guidance.
What can I claim for?	Up to 4 approved claims for every 12-month period.	Unlimited claims.
What does the Excess cost?	There is a £100 excess for each approved claim when your phone is replaced. £50 excess for each approved claim when your phone is repaired.	Excess amount is dependent on the make and model of the insured phone. The same excess amount will apply for either repair or replacement.
What type of gadget(s) can I insure?	Devices with a screen size of more than 7 inches are not covered (e.g Samsung Folds).	We offer cover for all types of gadgets including phones, laptops and tablets.
When can I cancel?	The insurance is an integral part of the account benefits package and it can only be cancelled with the closure of the account.	Can be cancelled at anytime.

Information correct at the time of publishing - July 2022.

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OUR POLICIES

What type of phone insurance do you need?

Choosing the right type of mobile phone insurance is straightforward. You will usually have a choice of plans with different cover levels which provide varying degrees of protection for your phone.

Mobile insurance policies which provide the highest levels of cover will cost the most, but it’s important that you choose a level of protection that suits you.

You can compare our phone insurance plans in the table below:

Policy features

We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.

If your screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

If your phone has a mechanical breakdown, for example it stops working and it’s out of warranty, send it to us, we'll repair it - if it’s not repairable, we’ll replace it.

If someone outside your immediate family damages your phone, we've got you covered. We’ll either repair your phone, or, if that's not possible, replace it.

Your phone is covered if it gets damaged by liquids.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

If you accidentally lose your phone while you're covered with us, we’ll replace it for you.

We’ll replace your phone if it’s stolen.

You're covered for up to £100 if your eWallet is used to make unauthorised contactless payments.

You’re covered for up to £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

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Instant cover
Whether you buy a monthly or annual policy you’re covered from the moment you buy
Any make, any model up to 36 months old
We insure any phone bought new or refurbished from a UK registered company.
Unlimited claims
Accidents happen, so that's why there's no limit to how many claims you can make
95% of claims accepted
You won't have to bend over backwards to prove your claim. In 2022, we approved 95% of mobile phone insurance claims*.
Here since 2007
We were one of the first businesses to provide specialist insurance for mobiles and gadgets
In-house service from start to finish
Enjoy our seamless service from UK-based support and repair teams