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Looking for Contents insurance?

Your favourite possessions mean a lot to you, which means you should get to choose how you want to protect them. With our contents insurance you can pick the level of cover that's just right for you.


 

Get a range of Contents Insurance benefits

Our contents insurance protects items you keep in your private residence and in any structures attached to it, such as furniture, clothing, curtains and electronic goods.

As well as protecting against risks such as theft, or damage caused by fire, smoke, storm or flood, you get all of the following as standard:

  • High Risk Items - You will be covered for £10,000 worth of high risk items as standard. This covers belongings individually worth up to £3,000 such as your jewellery, mobile phone, and computers within your home. You can select a higher amount if needed.
  • Money & Credit Cards Cover - cover for your cards and cash when in the home.
  • Freezer Contents Cover - with a low £25 excess.
  • Visitor belongings - protection for items your visitors bring with them when they visit your home.
  • Alternative accommodation - for you, your family and pets if your home is unfit to live in due to a claim.

Limits, terms and exclusions apply. See our policy booklet (PDF) for more details.

Compare our Contents Insurance cover

We offer two levels of cover:

  • Bank of Scotland Home Insurance - a tailored flexible offering that allows you to choose from a range of additional cover options for an additional premium.
  • Bank of Scotland Home Insurance Comprehensive - a more inclusive offering where some additional cover is included as standard, with higher limits in key cover areas.

Contents insurance cover limits

Type of cover

Home Insurance limit

Home Insurance Comprehensive limit

Type of cover

Private Residence Cover

Home Insurance limit

Up to £75,000* (included)

Home Insurance Comprehensive limit

Unlimited** (included)

Type of cover

Contents in outbuildings and in the open cover

Home Insurance limit

Up to £5,000 in Outbuildings (optional)

Up to £1,000 in the Open (optional)

Home Insurance Comprehensive limit

Up to £10,000 in Outbuildings (included)

Up to £2,000 in the Open (included)

Type of cover

Accidental Damage Cover

Home Insurance limit

Up to £75,000* (optional)

Home Insurance Comprehensive limit

Unlimited** (included)

Type of cover

Replacement of Sets Cover

Home Insurance limit

Not available

Home Insurance Comprehensive limit

Unlimited** (included)

Type of cover

High Risk Items (individually worth up to £3,000) 

Home Insurance limit

£10,000 as standard *** 

Home Insurance Comprehensive limit

£10,000 as standard *** 

Type of cover

Personal belongings away from the home cover

Home Insurance limit

Up to £15,000** (optional)

Home Insurance Comprehensive limit

Up to £25,000** (optional)

Type of cover

Students' Contents Away From Home Cover

Home Insurance limit

Up to £10,000** (optional)

Home Insurance Comprehensive limit

Up to £10,000** (optional)

Type of cover

Pedal Cycle Cover

Home Insurance limit

Up to £10,000** (optional)

Home Insurance Comprehensive limit

Up to £10,000** (optional)

Type of cover

Specified Items Cover (individually worth over £3,000)

Home Insurance limit

Up to £30,000** (optional)

Home Insurance Comprehensive limit

Up to £50,000** (optional)

* Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits.

** There are elements of cover which are subject to lower limits.

*** Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £30,000 on Home Insurance and £50,000 on Home Insurance Comprehensive.

Limits, terms and exclusions apply. See our policy booklet (PDF) for more details.

Manage your policy

If you're an existing customer and you'd like help and support with you Bank of Scotland home insurance policy, you're in the right place.

Find out more

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 your private residence and its attached structures, plus their contents, all under one insurance policy.

Get a quote

Need Buildings Insurance?

Our Buildings insurance covers the cost of repairs or rebuilding needed of your home. This could have been after a flood, fire or a storm or any other insured damage.

Get a quote

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.