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Contents insurance
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What's included in our cover?
Contents insurance
Contents insurance covers the cost of repairing or replacing the items in your home that have been stolen, or damaged by events such as a flood, fire or storm. This includes household goods and personal effects owned by you or your family. This includes any high value items that you name on your policy.
Choosing the right level of cover
Compare what's included with our Bronze, Silver and Gold cover to help choose which one is best for you. Read our policy booklet (PDF, 918KB) for more about what is and isn't covered.
|
Cover |
Bronze |
Silver |
Gold |
|---|---|---|---|
|
Cover Contents limit up to |
Bronze£50,000 |
Silver£100,000 |
Gold£250,000 |
|
Cover Accidental Damage |
BronzeNot available |
SilverIncluded, up to £100,000 |
GoldIncluded, up to £250,000 |
|
Cover |
BronzeNot available |
SilverIncluded, up to £50,000 |
GoldIncluded, up to £50,000 |
|
Cover Away from home |
BronzeOptional extra, from |
SilverOptional extra, from |
GoldOptional extra, from |
|
Cover |
BronzeOptional extra, up to |
SilverOptional extra, up to |
GoldOptional extra, up to |
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 leaking water claims.
|
Cover |
Bronze |
Silver |
Gold |
|---|---|---|---|
CoverYour standard excess |
BronzeChoose between £100 and £500 |
SilverChoose between £100 and £500 |
GoldChoose between £100 and £500 |
CoverLeaking Water excess |
Bronze£500 |
Silver£500 |
GoldYour standard excess |
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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.