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

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 leaking water claims.

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

Ready to get a quote?

Get a contents insurance quote

You’ll save 10% if you buy online.

Read the terms and conditions.

Get a quote now

Retrieve a quote

Pick up where you left off.

Retrieve your quote

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 both buildings and contents insurance?

If you’re looking for both buildings and contents insurance we’ve got you covered. Our combined policy covers the structure of your home, including its outbuildings, and its contents, all under one insurance 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.

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.