The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

Bank of Scotland Home Insurance and Bank of Scotland Home Insurance Comprehensive are underwritten by Lloyds Bank General Insurance Limited.

Making a claim and servicing your policy online

Due to the coronavirus pandemic it is taking us a very long time to answer customer calls. Please use the below guidance to get in touch with us. This will allow us to answer the phone to the most vulnerable customers more quickly.

Get information on your home insurance policy and cover

Read our FAQs on coronavirus

Please get in touch using the links below. For all requests sent by e-mail, we'll need your name, address, policy reference number, contact number and reason for your request.

Cancel your home insurance policy online

Make a claim online (only available for customers with policies starting with HAP; registered for Internet Banking)

Make a claim (all other policies)

Make a payment with our general enquiries form

If you have received your renewal letter and you want to discuss your price, level of cover, or if you are experiencing financial difficulty or anything else, please use general enquiries online.

Contact us with our general enquiries form

Looking for home insurance?

It’s reassuring to know you are covered if something unexpected should happen. Our insurance policies can protect the things that matter to you the most. Choose between two levels of quality, affordable cover.

Home Insurance

Personalise your policy by selecting your ideal cover limits and excesses, and additional cover options, such as:

  • Accidental Damage Cover
  • Outbuildings Cover
  • Contents In Outbuildings And In The Open Cover
  • Personal Belongings Away From The Home Cover
  • Pedal Cycle Cover
  • Students' Contents Away From Home Cover
  • Legal Expenses Cover
  • Home Emergency Cover.

Home Insurance Comprehensive

Higher limits and more cover as standard, including:

  • Unlimited Buildings Insurance
  • Unlimited Contents Insurance
  • Unlimited Accidental Damage Cover
  • Unlimited Outbuildings Cover
  • Unlimited Replacement Locks and Keys Cover, with no excess to pay
  • Contents in outbuildings covered up to £10,000, and in the open up to £2,000
  • Generous alternative accommodation cover limits.

Limits, terms and exclusions apply, see our policy booklet for full details.

Ready to get a quote?

Getting a home insurance quote is quick and easy. You'll be able to compare our two levels of quality cover side-by-side.

Get a quote today, it'll take about 10 minutes.

Get a quote

Get a quote by phone

If you'd prefer to get a home insurance quote over the phone, our UK based team can discuss your home insurance needs. We'll talk you through the types of insurance we offer; including any additional cover options you might benefit from.

Call us on 0345 850 1301.

Lines open Mon to Fri 8am – 8pm and Sat 8am – 4pm. (Times may vary on public holidays).

Switching home insurance providers

If you're considering switching your home insurance to us but you'd like more information, you're in the right place. 

Here's the level of service you can expect:

  • UK based call centres
  • Personal Claims Consultants who'll come to you if we think you need help with a complex claim
  • get same day claims payments into your Bank of Scotland current account
  • our managed claims service can organise most repairs to your home; we'll get trusted tradespeople to carryout work.

Retrieve a quote

If you've already completed a quote and would like to purchase a home insurance policy, there's no need to start your quote again.

You can retrieve your quote online with the following information:

  • your Quote Reference Number
  • date of birth
  • the postcode of the property you want to insure.
Retrieve a quote

Existing customers

If you're an existing customer and you'd like help and support with you Bank of Scotland home insurance policy, you're in the right place.

If you need to make a claim please get in touch with us as soon as possible. If possible, please have the first 3 digits of your policy number to hand to help you choose the right phone number. Our UK based call centres are open 24 hours a day, seven days a week and our Personal Claims Consultants can help with your claim.

Make a claim

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.