Home insurance excesses

An excess is a pre-agreed amount that you contribute towards the cost of a claim.

For example, if you have storm damage to your roof that will cost £1,000 to repair and your policy has an excess of £100, you’ll be asked to pay the excess of £100 but can claim for £900 (the cost minus the excess). The excesses that apply to your policy will vary, depending on the covers you have selected and the excess amounts you’ve chosen.

The excess you choose will apply to all covers you select unless otherwise stated below. It’s important to note that by choosing a high excess level, you’ll restrict your ability to claim on some elements of your cover, such as accidental damage, where typical claims tend to be of lower value. Please ensure that your selected excess fully meets your needs before proceeding.

The tables below provide information on excesses payable under the different levels of cover we offer. If you have already purchased your cover with us your Policy Schedule will detail the excesses that will apply specifically to you.

If you've got both Buildings and Contents insurance with us and you need to claim under both for a single event, for example if a burst pipe damages both your ceiling and soft furnishings, you will only pay one excess (whichever is highest) for that claim.

  • Contents insurance

    Escape of water cover

    escape of water cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    For any escape of water claims

    Excess payable for Home Insurance Comprehensive

    £500 or your selected contents excess, whichever is higher

    Your selected contents excess

    If you have a claim for escape of water, then you will only have to pay the excess shown above, not any of the below excesses.

    Private Residence Cover

    private residence cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    Private Residence Cover

    Excess payable for Home Insurance Comprehensive

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance

    Replacement locks and keys

    Excess payable for Home Insurance Comprehensive

    £25

    No excess to pay

    Excess payable for Home Insurance

    Deeds and documents

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Loss of water, domestic heating oil and gas

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Money, cashcards, credit and debit cards

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Freezer contents

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Visitors’ belongings

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Contents – occupier’s and public liability cover including:

    Excess payable for Home Insurance Comprehensive

    No excess to pay

    No excess to pay

    Excess payable for Home Insurance

    - Occupier’s and public liability

    Excess payable for Home Insurance Comprehensive

    No excess to pay

    No excess to pay

    Excess payable for Home Insurance

    - Employer’s liability 

    Excess payable for Home Insurance Comprehensive

    No excess to pay

    No excess to pay

    Excess payable for Home Insurance

    - Tenant’s liability

    Excess payable for Home Insurance Comprehensive

    No excess to pay

    No excess to pay

    Contents In Outbuildings And In The Open Cover

    contents in outbuildings and in the open cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    Contents In Outbuildings And In The Open Cover

    Excess payable for Home Insurance Comprehensive

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance

    Replacement locks and keys

    Excess payable for Home Insurance Comprehensive

    £25

    No excess to pay

    Excess payable for Home Insurance

    Deeds and documents

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Loss of water, domestic heating oil and gas

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Money, cashcards, credit and debit cards

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Freezer contents

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Visitors’ belongings

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Excess payable for Home Insurance

    Growing trees, plants, shrubs and garden equipment in the open

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Personal Belongings Away From The Home Cover

    personal belongings away from the home cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    Personal Belongings Away From The Home Cover

    Excess payable for Home Insurance Comprehensive

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance

    Replacement locks and keys

    Excess payable for Home Insurance Comprehensive

    £25

    No excess to pay

    Excess payable for Home Insurance

    Money, cashcards, credit and debit cards

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Student Contents Away From The Home Cover

    student contents away from the home cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    Student Contents Away From The Home Cover

    Excess payable for Home Insurance Comprehensive

    Your selected contents excess, except for the following items in this table

    Your selected contents excess, except for the following items in this table

    Excess payable for Home Insurance

    Replacement locks and keys

    Excess payable for Home Insurance Comprehensive

    £25

    No excess to pay

    Excess payable for Home Insurance

    Money, cashcards, credit and debit cards

    Excess payable for Home Insurance Comprehensive

    £25

    £25

    Pedal Cycle Cover

    pedal cycle cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    Pedal Cycle Cover

    Excess payable for Home Insurance Comprehensive

    Your selected contents excess

    Your selected contents excess

    Specified Items Cover

    specified items cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    Specified Items Cover

    Excess payable for Home Insurance Comprehensive

    Your selected contents excess

    Your selected contents excess

    Additional Cover

    Excess payable for Home Insurance Comprehensive

    additional cover

    Excess payable for Home Insurance

    Excess payable for Home Insurance Comprehensive

    Excess payable for Home Insurance

    Legal Expenses Cover

    Excess payable for Home Insurance Comprehensive

    No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim.

    No excess to pay except for: Property Protection - £250 for any legal nuisance or trespass claim.

    Excess payable for Home Insurance

    Property protection

    Excess payable for Home Insurance Comprehensive

    £250 for any legal nuisance or trespass claim

    £250 for any legal nuisance or trespass claim

Buildings insurance

Subsidence, heave, landslip and escape of water cover.

subsidence, heave, landslip and escape of water cover.

Excess payable for Home Insurance

Excess payable for Home Insurance Comprehensive

Excess payable for Home Insurance

For any subsidence, heave and landslip claims

Excess payable for Home Insurance Comprehensive

£1,000

£1,000

Excess payable for Home Insurance

For any escape of water claims

Excess payable for Home Insurance Comprehensive

£500 or your selected buildings excess, whichever is higher

Your selected buildings excess

If you have a claim for subsidence, heave, landslip or escape of water then you will only have to pay the excess shown above, not any of the excesses below.

Private residence cover.

private residence cover.

Excess payable for Home Insurance

Excess payable for Home Insurance Comprehensive

Excess payable for Home Insurance

Private Residence Cover including any claims for Replacement of Sets or Accidental Damage Cover)

Excess payable for Home Insurance Comprehensive

Your selected buildings excess, except for the following items in this table

Your selected buildings excess, except for the following items in this table

Excess payable for Home Insurance

Replacement locks and keys

Excess payable for Home Insurance Comprehensive

£25

No excess to pay

Excess payable for Home Insurance

Buildings – property owner’s liability

Excess payable for Home Insurance Comprehensive

No excess to pay

No excess to pay

Outbuildings cover.

outbuildings cover.

Excess payable for Home Insurance

Excess payable for Home Insurance Comprehensive

Excess payable for Home Insurance

Outbuildings Cover (including any claims for Replacement of Sets or Accidental Damage Cover)

Excess payable for Home Insurance Comprehensive

Your selected buildings excess, except for the following items in this table

Your selected buildings excess, except for the following items in this table

Excess payable for Home Insurance

Replacement locks and keys

Excess payable for Home Insurance Comprehensive

£25

No excess to pay

Bank of Scotland plc is 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 no. 169628.