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.

3 reasons to choose Bank of Scotland home insurance

  • Accidental damage to televisions, video and audio installations and computer equipment included as standard on contents insurance. And accidental breakage to fixed ceramic hobs, sanitary ware, fixed glass (for example, in windows and doors) included as standard on buildings insurance.
  • 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.
  • Pay in one lump sum, or monthly by direct debit and we won’t charge you any interest.

To find out full details of everything that's covered and any exclusions, have a look at the policy documents.

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

Existing customers

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

 Existing customers