Home insurance website terms and conditions

Who are we?

The Bank of Scotland Home Insurance website is operated by Lloyds Bank Insurance Services Limited (“we”/”us”/”our”), Registered in England and Wales No: 968406, Registered Office: 25 Gresham Street, London EC2V 7HN. Authorised and regulated by the Financial Conduct Authority.

We and Lloyds Bank plc are both part of Lloyds Banking Group. Except where otherwise stated in these terms and conditions, Lloyds Bank plc’s Website Terms and Conditions will apply to the use of our website.

Who can use our website to buy insurance?

Unless otherwise indicated, our products and services are only available to UK residents who access our website from within the UK.

If you use our website to apply for home insurance, you must be eighteen years old or over and must not impersonate another person.

We reserve the right to refuse to offer you a firm quote if you are not eligible for the home insurance product.

Which law applies?

Our website and these conditions are governed by English law. Any disputes arising from our website shall be resolved by the English courts, unless you can show you accessed the website from Scotland, in which case the Scottish courts may be used.

Who owns the material on this site and how can it be used?

We own, or have a licence for, all copyrights for our website and all trademarks and other materials used on it, unless otherwise indicated.

You may only print, copy, download or temporarily store extracts from our website for your personal information or when you use our services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular, no-one may use any part of our site on any other website without our permission.

Complaints

If you have a complaint about your insurance we can give you further details of the complaints procedure. You should contact us on 0345 300 5180 or write to: Customer Care, Bank of Scotland Home Insurance, Tredegar Park, Newport, South Wales, NP10 8SB or email: customer.care.insurance@bankofscotland.co.uk for details. Further information is also set out in your policy booklet.

If you’re not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service, who offer an independent review service. If you don’t take up your problem with us first you won’t be entitled to complain to the Ombudsman.

If you prefer not to deal directly with the Financial Ombudsman Service, and you have purchased your policy online, you may be able to submit a complaint through the European Online Dispute Resolution Platform.