Compare home insurance

Compare our three levels of cover side by side.
You can only get Home Insurance Select directly with us.

We offer three levels of cover

Our policy documents tell you more about what is and isn’t covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF, 918KB).

Compare what's included with our Bronze, Silver and Gold cover to help choose which one is best for you.

Choosing the right level of cover

Cover

Bronze

Silver

Gold

Cover

Buildings limit up to

Bronze

Full rebuild cost

Silver

Full rebuild cost

Gold

Full rebuild cost

Cover

Contents limit up to

Bronze

£50,000

Silver

£100,000

Gold

£250,000

Cover

Accidental Damage to Buildings

Bronze

Not available

Silver

Included, up to full rebuild cost

Gold

Included, up to full rebuild cost

Cover

Accidental Damage to Contents

Bronze

Not available

Silver

Included, up to £100,000

Gold

Included, up to £250,000

Cover

Bronze

Not available

Silver

Included, up to £50,000

Gold

Included, up to £50,000

Cover

Away from home

Bronze

Optional extra, from £1,000 to £25,000

Silver

Optional extra, from £1,000 to £25,000

Gold

Optional extra, from £1,000 to £25,000

Cover

Bronze

Optional extra, up to £1,000

Silver

Optional extra, up to £1,000

Gold

Optional extra, up to £1,000

How much excess would I need to pay?

Your excess is the amount you’ll pay towards most types of claim. You can choose your own excess between £100 and £500. A higher excess means your cover will cost less, but you’ll have to pay more towards a claim.

With Bronze and Silver cover, there's a different excess for subsidence and leaking water claims.

How much excess would I need to pay?

Cover

Bronze

Silver

Gold

Cover

Your standard excess

Bronze

Choose between £100 and £500

Silver

Choose between £100 and £500

Gold

Choose between £100 and £500

Cover

Leaking Water excess

Bronze

£500

Silver

£500

Gold

Your standard excess

Cover

Subsidence excess (Buildings cover only)

Bronze

£1,000

Silver

£1,000

Gold

Your standard excess

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Manage your policy

If you already have a Bank of Scotland home insurance policy, find out how to manage your policy, or get help and support.

Manage your policy

Need just buildings insurance?

Our buildings insurance covers the cost of repairing or rebuilding your home. This may be after a flood, fire or storm, or any other insured damage.

Need just contents insurance?

Our contents insurance will cover your household goods as well as your personal items. This includes any high value items that you name on your policy.

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.