Home Insurance

Get a quote. Get a discount.

  • Welcome Offer of up to 30% discount
    You'll get 20% discount when you buy a new combined building and contents policy and if you've been claim free for 3 or more years we will apply a further 10% discount. Conditions apply.
  • 10% Internet Banking Discount
    Get a quote and buy through Internet Banking and get a further 10% discount (multiple discounts are applied consecutively which may reduce the overall discount you receive).

Discounts will automatically be applied. Discounts are for one year and exclude Home Emergency and Legal Expenses cover. If a change is made to your premium during the year, minimum premiums will apply.

 

Welcome Offer conditions

  • You will receive the Bank of Scotland Welcome Offer if you take out a new Bank of Scotland Home Options combined buildings and contents policy online as a result of a quotation obtained from 1st September 2015
  • The offer is;
    • a 20% discount for one year on your buildings and contents cover;
    • a further 10% discount for one year on your buildings and contents cover, provided you have had no paid buildings or contents claims for at least 3 years in a row immediately before the start of your new policy.
  • Home Emergency cover and Legal Expenses cover are excluded from the offer.
  • If you pay your premium monthly the discount(s) will be spread equally across your monthly payments.
  • If you cancel either your buildings or contents cover during the year, the discount(s) will end.
  • If you make a change to your premium during the year, the discount(s) will continue to be applied to your new premium, but please note that minimum premiums will apply.
  • We can withdraw the offer at any time, but will apply the discount(s) to eligible policies taken out as a result of quotations obtained before the withdrawal.
  • The offer cannot be used together with any other offer or proposition unless we tell you.
  • Please keep these conditions for future reference.
  • This offer is provided by Lloyds Bank Insurance Services Limited, Registered in England and Wales No. 968406, Registered Office: 25 Gresham Street, London EC2V 7HN. Authorised and regulated by the Financial Conduct Authority. The Bank of Scotland name and logo are used under licence.


Bank of Scotland Home Options Insurance is underwritten by Lloyds Bank General Insurance Limited.


Find out what’s covered

You can take out buildings insurance, contents insurance or a combined buildings and contents policy. For full details of everything that's covered and any exclusions, have a look at the policy documents. And you can choose to pay in one lump sum or by direct debit and we won’t charge you any interest.

Buildings Insurance

  • Blanket cover of up to £400,000 for buildings should you need to rebuild your home. Please note blanket cover is available online for homes with up to 5 bedrooms, if you need to insure a larger property please call us. If you need more cover than the blanket amount - you can select this when you complete your quote.
  • Cover for damage caused by fire, storm, flood, theft and more.
  • Alternative accommodation cover of up to 20% of the buildings sum insured if the home becomes uninhabitable due to an insured event.
  • Accidental breakage to fixed ceramic hobs, sanitary ware, fixed glass (for example, in windows and doors).

Contents insurance

  • Blanket cover of up to £50,000 for contents should you need to repair or replace your belongings. Please note blanket cover is available online for homes with up to 5 bedrooms, if you need to insure a larger property please call us. If you need more cover than the blanket amount - you can select this when you complete your quote.
  • Up to £7,500 for any single high risk item.
  • Visitors’ personal effects in your home up to £500 per visitor.
  • Alternative accommodation cover of up to 20% of the contents sum insured, or £20,000 whichever is greater, if the home becomes uninhabitable due to an insured event.
  • We’ll increase your contents sum insured by 10% (up to a maximum of £3,000) during special events like weddings and religious festivals so you’ve still got plenty of cover for all the extras in your home.
  • Accidental damage to televisions, video and audio installations and computer equipment.


Get a quote

Get a quote online and if you’re eligible the Welcome Offer will automatically be applied.

 Get a quote

You can also get a quote over the phone, but you will not be eligible for the Welcome Offer. 0800 028 8337 (Mon-Fri 8am-8pm, Sat 8am-4pm times vary during bank holidays).



Log into Internet Banking and get a quote

You’ll get the best price for our home insurance if you buy through Internet Banking, simply log in, get a quote and buy. The 10% discount will automatically be applied and if you’re eligible the Welcome Offer will be applied too.

 Log in



Home Solutions

In addition to the Home Options policy we also offer another home insurance policy called Home Solutions. Which can only be purchased in branch. If you've been into branch and had a quote or would prefer to buy in branch then take a look here at Home Solutions.

 Home Solutions



Existing customers

If you need to make a claim, renew your policy, read policy documents or get in touch go to our existing customers
section.

 Existing customers


Important information

 

You can buy Bank of Scotland Home Options Insurance online or by phone.

Bank of Scotland Home Options is underwritten by Lloyds Bank General Insurance Limited, Registered in England and Wales No. 204373, Registered Office: 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Bank of Scotland Home Emergency Cover is underwritten by Royal & Sun Alliance Insurance plc, Registered in England and Wales No. 93792, Registered Office: St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Legal Expenses Insurance is underwritten by DAS Legal Expenses Insurance Company Limited, Registered in England and Wales No. 103274, Registered Office: DAS House, Quay Side, Temple Back, Bristol, BS1 6NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

All of the above are arranged by Lloyds Bank Insurance Services Limited, Registered in England and Wales No. 968406, Registered Office: 25 Gresham Street, London EC2V 7HN. Lloyds Bank Insurance Services Limited is authorised and regulated by the Financial Conduct Authority.

If you have a complaint about your insurance we can give you further details of the complaints procedure. You should contact us on 0345 604 6536 or write to: Customer Care Lloyds Bank Insurance, Tredegar Park, Newport, South Wales, NP10 8SB

Email: customer.care.insurance@lloydsbank.co.uk for details. Further information is also set out in your policy booklet. The complaints procedure will not affect your legal rights.

All insurances referred to on this site are subject to conditions and exclusions. For further information, refer to the policy document.

We may monitor and record telephone calls to help us provide a high level of service.

close


    or