Here are some questions we are frequently asked about our Bank of Scotland Home Insurance (HAP) policy.
Everyone’s home insurance needs are different, which is why we offer two levels of cover; Bank of Scotland Home Insurance - a flexible level of cover you can tailor to your specific requirements, and Bank of Scotland Home Insurance Comprehensive - with additional cover and higher limits included as standard.
Back to topBuildings insurance covers the structure of your home including the permanent fixtures, fittings and services. This consists of the buildings of your private residence, and your outbuildings if Outbuildings Cover is selected.
Covers available under buildings insurance are:
Buildings Private Residence Cover
Covers the structure of your private residence including integral and attached garages and conservatories, and:
where they are within the grounds of your home and for which you are legally responsible.
Find out more about Buildings Private Residence Cover
Outbuildings Cover
Covers your garages, greenhouses, sheds, summer houses and other similar structures and their fixtures and fittings, when they are detached from the private residence and within the grounds of your home and for which you are legally responsible.
Find out more about Outbuildings Cover
Buildings Accidental Damage Cover
Covers against accidental damage (caused by accidents which are not expected and not deliberate) to the buildings of your private residence.
To protect your outbuildings against accidental damage you'll need to select both Buildings Accidental Damage cover and Outbuildings cover.
Find out more about Buildings Accidental Damage Cover
Buildings Replacement of Sets Cover - Included as standard with Home Insurance Comprehensive
If you make a successful buildings claim for an item which forms part of a matching set or suite, we will pay for the cost of replacing or changing any associated undamaged item of the matching set or suite when a reasonable match can’t be found.
On settlement of your claim we may ask you to give us any damaged or undamaged items for which the claim has been accepted.
Find out more about Buildings Replacement of Sets Cover
Back to topIt also covers:
all within the grounds of your home and for which you are legally responsible.
If you'd like to protect any detached structures, such as detached garages and sheds, you should select Outbuildings Cover.
Find out more about Buildings Private Residence Cover
Back to topContents insurance covers household goods including garden machinery, high risk items and personal effects (items of a personal nature such as clothing and wheelchairs) all owned by you, your family and resident domestic staff or for which you or your family are legally responsible.
Contents Private Residence Cover
Covers contents in the private residence, including contents in integral or attached garages and attached conservatories.
Find out more about Contents Private Residence Cover
Contents In Outbuildings And In The Open Cover
Covers for loss of or damage to the contents of your garages, greenhouses, sheds, summer houses and other similar structures when they are detached from the private residence and within the grounds of your home and for which you are legally responsible as well as loss of or damage to the contents in the open within the boundaries of your home.
Find out more about Contents In Outbuildings And In The Open Cover
Contents Accidental Damage Cover
Covers against accidental damage (caused by accidents which are not expected and not deliberate) to the contents of your private residence.
To cover the contents of your outbuildings and contents in the open against accidental damage you'll need to select both Contents Accidental Damage Cover and Contents In Outbuildings And In The Open Cover.
Find out more about Contents Accidental Damage Cover
Personal Belongings Away From The Home Cover
Personal items worn, used or carried by you or your family in everyday life. The item must be owned by or be the legal responsibility of you or your family.
Find out more about Personal Belongings Away From The Home Cover
Pedal Cycle Cover
Covers loss of or damage, including accidental damage, to pedal cycles and their accessories belonging to you or your family or for which you or your family are legally responsible. Covers your pedal cycles while kept within the boundaries of your home and when away from the home.
Find out more about Pedal Cycle Cover
Students’ Contents Away From Home Cover
Contents in university halls of residence or rented student accommodation in the British Isles belonging to you or your family when in full time further or higher education.
Find out more about Students’ Contents Away From Home Cover
Contents Replacement of Sets Cover - ;Included as standard with Home Insurance Comprehensive
If you make a successful contents claim for an item which forms part of a matching set or suite, we will pay for the cost of replacing or changing any associated undamaged item of the matching set or suite when a reasonable match can’t be found.
On settlement of your claim we may ask you to give us any damaged or undamaged items for which the claim has been accepted.
Find out more about Contents Replacement of Sets Cover
Back to topIf you've made a successful claim for an item which forms part of a matching set or suite we'll pay for the cost of replacing or changing any associated undamaged item of the matching set or suite if a reasonable match cannot be obtained. For example, if you damage an armchair which is part of a matching 3-piece suite, if we can’t repair the armchair or find a reasonable match as a replacement, we'll pay for a complete new suite. This cover is only available with Home Insurance Comprehensive. By ‘reasonable match’ we mean this may be similar, but not an exact match.
Back to topWhere we agree to pay for the cost of replacements we will do so on a 'new for old' basis, if available. If not available we will pay for the nearest equivalent, less any discounts obtainable.
If an item is irreplaceable, we will base our payment on expert opinion of its value immediately prior to its loss or damage.
Back to topAll types of computer equipment are classed as High Risk Items.
Computer equipment in the home individually worth up to £3,000:
Computer equipment in the home individually worth more than £3,000:
If you require cover for portable computer equipment individually worth up to £3,000, such as your laptop, iPad, tablet, etc. when away from your home, you will need to select Personal Belongings Cover Away From The Home.
To insure computer equipment belonging to you or your family while in university halls of residence or rented student accommodation in the British Isles, you should select Students' Contents Away From Home Cover.
Please note:
Computer equipment covered under Specified Items Cover, Personal Belongings Away From The Home Cover and Students' Contents Away From The Home Cover will automatically be covered for accidental damage.
Mobile Phones are classed as High Risk Items. You will need to ensure that an adequate High Risk Items total has been selected to cover all the relevant items in your home.
Mobile phones are covered while in your private residence under Contents – Private Residence Cover.
They'll be covered for accidental damage if you have selected Contents – Accidental Damage Cover.
They'll be covered in your outbuildings and in the open in the boundaries of your home if you have selected Contents In Outbuildings And In The Open Cover.
If you’d like them covered while you’re away from home, you should select Personal Belongings Away From The Home Cover.
For mobile phones individually worth more than £3,000 you will need to select Specified Items Cover and indicate the appropriate value.
To insure mobile phones belonging to you or your family while in university halls of residence or rented student accommodation in the British Isles, you should select Students Contents Away From Home Cover.
Please note:
Mobile phones covered under Specified Items, Personal Belongings Away From The Home and Students' Contents Away From The Home Cover will automatically be covered for accidental damage.
By ‘high risk items’ we mean things that might be attractive to thieves and are easy to steal, such as televisions, laptops, tablets, mobile phones, computers, jewellery, cameras, etc.
Non-portable audio, visual and computer equipment:
Portable audio, visual and computer equipment:
Collections:
Other items we class as ‘high risk’:
By 'specified items' we mean high risk items or personal belongings that are individually worth more than £3,000. You can specify items to be covered within your private residence, your outbuildings and in the open within the boundaries of your home, and when you take them outside the boundaries of your home.
Find out more about specified items
Back to topBy 'personal belongings' we mean personal items worn, used or carried by you or your family in everyday life. The item must be owned by or be the legal responsibility of you or your family.
Portable audio, visual and computer equipment:
Personal effects:
Sports & leisure equipment:
Other items we class as ‘personal belongings’:
We will cover loss of, or damage to, your contents when you move home if the damage is caused by a professional removal contractor while moving them from your home to another permanent home in the British Isles.
Your contents are also covered if any damage is caused while they are being held in temporary storage by the removal firm for up to 72 hours.
Back to topIf you add Personal Belongings Away From The Home Cover to your policy you'll be protected against:
We don't class pedal cycles as personal belongings, so If you require cover for pedal cycles whilst they are within or away from your home, you will need Pedal Cycle Cover.
If you require cover for students’ contents while in a college, university halls of residence or rented student accommodation in the British Isles you will need Students’ Contents Away From The Home Cover.
Find out more about Personal Belongings Away From The Home Cover
Back to topAn excess is the amount that you contribute towards the cost of a claim. For example, if you have storm damage to your roof that will cost £1,000 to repair and your policy has an excess of £100, you’ll be asked to pay the excess of £100 but can claim for £900 (the cost minus the excess). The excesses that apply to your policy will vary, depending on the covers you’ve selected and the excess amounts you’ve chosen.
Back to topWhen you purchase a home insurance policy we'll ask if you'd prefer to pay monthly or annually.
If you choose to pay monthly
You'll be able to select which day of the month you'd prefer to make your monthly payment on. Full details of when your monthly payments are due and the amount of each payment will be contained in your credit agreement.
If you choose to pay annually
If you are paying by debit or credit card, the payment will be taken immediately.
If you are paying by annual direct debit, we will take the payment, either on the start date of the policy or 14 days after you set the policy up, whichever is later.
Back to topBy 'paid claim' we mean any occasion when you've received a payment, had damage repaired or a damaged item repaired or replaced as part of a home insurance claim.
Back to topMany people experience money problems at some stage of their lives. We may be able to help.
If you are having trouble paying for your Bank of Scotland home insurance, please don't ignore the problem. There are a variety of options available that may ease your situation and ultimately help to resolve the issue.
This section explains the things that you should consider and the actions that we'll take to help you.
Call us on the phone number below as soon as possible:
(Lines are open 8am - 6pm Mon-Fri, 9am - 1pm Sat)
Where we can help
We may be able to help in a number of different ways:
Additional things to consider
Bank of Scotland plc is 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 no. 169628.