best student account with goods insurance?

    natwest seems to offering it. although i cant find much info about it except for this:
    Essentials Contents Insurance with premiums starting from as little as £21 a year.
    and as far as i understand it only cover goods taken outside my house. for house goods insurance i have to pay extra apparently.

    anybody got more info about the natwest student insurance?

    or any other bank offering it for free? outside&home preferably


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