Home insurance - automated decisions
The following information relates to Home Insurance customers whose policy numbers start with HAP. You can find your policy number in your policy documents.
We use automated decisions without human involvement. This helps us provide a fast and consistent service. These decisions can affect the price, features, and availability of our products. They’re also used to make some decisions on how we settle claims.
We use automated decisions in our quote process. These are based on the information we collect from you and about you.
We use some automated decisions during our claims process. These are based on the information we collect from you about your claim, the cover you’ve selected, and your policy terms and conditions.
You have the right to ask us to review these automated decisions. You can do this by contacting us. The time you have to request a review may vary depending on the type of decision. Please see the table below for more information.
A qualified member of our team will review the decision. We’ll give you the outcome within one month. If your case is complex, we may need up to two more months to review it. If this happens, we’ll write to let you know.
Please let us know if you have any further information that may help us consider your case.
Automated decisions details
Details of the key automated decisions we have used are as below:
|
Automated decision (details) |
Source of information |
How the decision is made |
Potential impacts of the decision |
Your rights |
|---|---|---|---|---|
|
Automated decision (details) Fraud checks made when a quote is requested, when certain changes are made to a policy, and at renewal. |
Source of information Synectics Solutions. |
How the decision is made We send details about each applicant to the fraud agency. They match the details to the information they hold. This includes details from other applications you have made and your previous behaviours in relation to those. They use this to create a profile for you which is translated into a numerical score. This score is returned to us |
Potential impacts of the decision The score is used for two purposes: 1. To help us reduce fraud and keep costs down for genuine customers. This means that based on the score you may be declined cover with us. |
Your rights You can request a copy of the information held by the fraud agency by contacting them at: Synectics Solutions Ltd You can also ask us to review our automated decisions within one month of the decision having been made. You can do this by contacting us at: GIDataEnquiries@lloydsbanking.com |
|
Automated decision (details) Checks made against information we hold about you within the Lloyds Banking Group when a quote is requested, and at renewal. |
Source of information Lloyds Banking Group companies (including under the Halifax and Scottish Widows brands). |
How the decision is made We may create a profile for the first named applicant. This is based on information previously provided to us and other companies within the Lloyds Banking Group. It could include information, for example, from other products and services you have applied for, and how you have operated these. The profile is translated into a set of numerical scores. |
Potential impacts of the decision The numerical scores are used to help us understand the risks posed by insuring the household. This means that based on the scores your insurance premium may be increased or discounted. |
Your rights We’ll process this information on the basis of our legitimate business interest. You have the right to object to this and can do this by contacting us at: GIDataEnquiries@lloydsbanking.com Where we can support the need to continue processing the information we're not obliged to stop. However, we must explain our decision and inform you of your ongoing rights. |
|
Automated decision (details) Decisions relating to unspent convictions, made when a quote is requested, when certain changes are made to a policy, and at renewal. |
Source of information Information provided by you during the quote process. |
How the decision is made The information you give is automatically compared against our internal insurance acceptance criteria. |
Potential impacts of the decision We use the information to help us understand the risks of insuring the household. This means that based on the information provided, you may be declined cover with us. |
Your rights You can ask us to review our automated decisions within one month of the decision having been made. You can do this by contacting us at: GIDataEnquiries@lloydsbanking.com |
|
Automated decision (details) Decisions relating to previous claims history, made when a quote is requested, when certain changes are made to the policy, and at renewal. |
Source of information Information provided by you during the quote process. |
How the decision is made The information you give is automatically compared against our internal insurance acceptance criteria. |
Potential impacts of the decision We use the information to help us understand the risks of insuring the household. This means that based on the information provided, you may be declined cover with us or your premium may be increased or discounted. |
Your rights You can ask us to review our automated decisions within one month of the decision having been made. You can do this by contacting us at: GIDataEnquiries@lloydsbanking.com |
|
Automated decision (details) Decisions relating to how we settle claims. |
Source of information Information provided by you during the claims process. |
How the decision is made The information you give is automatically compared against the cover you've chosen and the terms and conditions of your policy. |
Potential impacts of the decision We use the information to decide whether we can accept your claim. This means based on the information you provide, your claim may be declined. |
Your rights You can ask us to review our automated decision. You can do this by calling our claims team. |
Last updated on 03/07/2026
Bank of Scotland Home Insurance Select is underwritten by Lloyds Bank General Insurance Limited. 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.