Nationwide Home Insurance Review and Quotes
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyWould you like to protect your home against any damage or an unfortunate event such as a house fire or theft?
Are you wondering if Nationwide is the best home insurance company to protect your house?
You’ve come to the right place.
This ultimate and up-to-date review on Nationwide home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.
Is Nationwide the best insurance company for you?
Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.
At Safe, we’ve studied in detail Nationwide's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
4,0 Safe overall rating for Nationwide
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
5 stars rating by Defaqto | |
| Cover provided for your home |
No maximum sum insured limit for building insurance | |
| Value for money |
No adjustment, cancellation fees or APR rate | |
| Financial strength | Home insurance underwritten by RSA Insurance PLC | |
| Technology |
Claim process handled online |
Expert and customer satisfaction reviews for Nationwide home insurance
| Review organisation | Nationwide home insurance reviews |
|---|---|
Defaqto expert |  |
| Trustpilot | 1,9/5 based on 1,522 customers reviews |
| Overall Which? Score | 70% |
Our general opinion on Nationwide home insurance
Nationwide provides one level of home insurance which is rated 5 stars by Defaqto. The insurance policy is only available for Nationwide current or savings account or mortgage existing customers.
Customers reviews on Trustpilot are not good, which means that you must pay attention when it comes to report a home insurance claim.
The standard building insurance provides great cover whereas contents insurance compensation limits are more average but the company allows to get Extended contents cover with unlimited maximum sum insured and up to £1000 for cash cover at home
You can report any claim online through Nationwide claim form.
What does Nationwide home insurance cover?
What is more important than protecting your home – the roof under which you sleep with your loved ones?
Applying for home insurance at Nationwide will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).
Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.
Home insurance at Nationwide covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
Nationwide buildings and contents insurance
Nationwide provides three main types of household insurance:
- Buildings insurance
- Contents and personal possessions insurance
- Combined policy
Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.
Good to know
If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.
Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.
Good to know
House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.
In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.
You will find below policy details for building and contents insurance:
| Nationwide building insurance | Limits |
|---|---|
| Maximum sum insured | Unlimited |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | £50 000 |
| Period of home's unoccupancy cover | 60 days |
| Repairs guarantee period | 1 year |
| Trace and access | £5 000 |
| Burst pipe | As standard |
| Blockage of sewer pipe | Available as extra |
| Gradual build-up of groundwater | As standard |
| Subsidence | As standard |
| Underground services | Available as extra |
| Keys cover | £750 |
| Flood and storm damage (except for fences) | As standard |
Good to know
Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).
Let’s have a look now at Esure contents insurance limits:
| Contents insurance | Limits |
|---|---|
| Maximum sum insured | £50 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | £15 000 |
| Period of home's unoccupancy cover | 60 days |
| Damage made by pets | Available as extra |
| Contents kept in garden | £750 |
| Contents kept in outbuildings (garage included) | £50 000 |
| Thefts from outbuildings | £2 500 |
| Single item limit for valuables | £2 000 |
| Items temporarily removed from home | £5 000 |
| Money in and outside the home | Inside: £750 Outside: £500 (under personal possessions cover - optional extra) |
| Credit cards in and outside the home | Inside: Not covered Outside: Not covered |
| Business equipment kept at home | £3 000 |
| Student equipment | £5 000 |
| Keys cover | £750 |
Nationwide home insurance additional cover
On top of your Nationwide buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Optional extra |
| Home emergency |
|
| Boiler cover | Not covered |
| Legal protection |
|
| Personal possessions |
|
| Mobile cover |
|
| Bicycle cover |
|
Nationwide home insurance excess
The deductible you'll have to pay in case of claims are as described below:
| For both building and contents insurance | |
|---|---|
| Excess for standard claims | £50 - £500 |
| Excess for escape water claims | £350 |
| Excess for subsidence claims | £1 000 |
| Excess for personal possessions | £50 - £500 |
| Excess for keys | £50 - £500 |
Nationwide home insurance fees and NCD
To manage your policy, renew, cancel or modify it, Nationwide fees are as follows:
| Fees applied to manage your Nationwidehouse policy | |
|---|---|
| Interests on payment installments | 0,00% |
| To renew my policy | £0 |
| To adjust my policy | £0 |
| To duplicate documents | £0 |
| To cancel my policy during cooling-off period | £0 |
| To cancel my policy outside cooling-off period | £0 |
| For payment default | £0 |
| To switch from one insurer to Nationwide | Not covered |
How much does Nationwide home insurance cost?
You will below indicative quotes for building and contents insurance at Nationwide:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | £50 - £500 | £50 - £500 |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £182,10 | £357,30 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at Nationwide as it will mainly depend on:
- The insurance you apply for (building, contents, combined insurance, extras)
- Your address
- Your claim record
- The insured value of your home and of your personal belongings, etc.
Nationwide will establish a risk rate, taking into account all these elements, and offer you a price based on it.
The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.
Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.
Nationwide home insurance discounts available
- No discounts for buying combined policy
- 25% discount when buying online
How do I a claim on Nationwide home insurance?
To make a claim at Nationwide, you can call the claim management team 24/7. Alternatively, you can make a claim online through the company's website.
You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.
| How to claim on Nationwide home insurance? | |
|---|---|
| Claim online | |
| Claim by phone | 0800 145 60 60 |
Good to know
If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.
How can I cancel Nationwide house insurance?
To cancel your Nationwide house insurance, here is what you need to know:
| Cancelling your home insurance at Nationwide | |
|---|---|
| Cancellation notice if Nationwide cancel your policy | 14 days |
| Cancellation fees | Fees during cooling-off period: £0 Fees outside cooling-off period: £0 |
| Cancel by phone | 0800 1456 060 |
How to contact Nationwide home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Claims | 0800 145 60 60 | Monday to Friday: 9am - 5pm |
| Home emergency claims | 0800 145 60 70 | 24/7 |
| Legal Claims | 0800 145 60 80 | 24/7 |
| Existing customers | 0800 145 60 60 | Mon - Fri: 9 am - 5 pm |
| Apply for home insurance | 0800 145 60 60 | Monday to Friday: 8am - 8pm |
Nationwide home insurance contact details
| Nationwide contact details | |
|---|---|
| Nationwide address | Nationwide House, Pipers Way, |
| Customer service email | Not available |
| Chatbot available | Not available |
How do I log in to Nationwide customer portal?
Not available for home cover insurance
How do I get Nationwide home insurance quotes?
To get a quote online at Nationwide, it couldn’t be simpler.
You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Nationwide is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.
To get Nationwide home insurance quotes, you will need to provide:
- Your personal information: ID, age, phone number and job
- Your address and postcode
- Your homeowner record (claims included)
- Your home description (type of property, the date it was built, how many square metres inside and outside)
- Your property related status: do you own it, rent it, have a mortgage on it, etc.
- Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.
The types of questions you will be asked are typically:
- Are you a first-time buyer?
- Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
- Has the property ever been damaged by flood?
- Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.
5 tips to reduce your Nationwide house insurance quote
- Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
- Increase the excess amount you are willing to pay in case you make a claim.
- Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
- Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
- Consider index-linked cover for building insurance to follow prices of building materials.
