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Getting you back on track matters to us. From starting your claim to getting it settled, we've kept it simple and easy.
There are a few things you'll need to do first:
Stop further damage to your home where safe to do so. Arrange urgent repairs, repair locks that have been damaged or secure broken doors or windows, and if you have a leak, turn off water from the mains supply.
If you have Home Emergency cover then you could be covered for emergency repairs. Please contact Allianz Assistance to make a claim within 48 hours of discovering your emergency. Your claim may be declined if your emergency is not reported within this time. If you don't have Home Emergency cover the Home Emergency helpline can give you contact details of a tradesperson. You would need to pay for the emergency repair but if the damage is covered by your home insurance policy you can submit a claim afterwards.
Take some photos of what has been damaged. If you’re claiming for contents in your freezer, don’t forget to take a few photos before you throw them away. You’ll need these photos when you start your claim.
Making a claim can increase your home insurance premium when you renew next time.
View your policy to understand your level of cover and your excess. Your excess is the amount you must pay towards the cost of a claim.
You might find that you have other kinds of cover that have a lower excess, like gadget or phone insurance.
Limits, terms and exclusions apply
It’ll only take a few minutes. We just need you to tell us who you are, what happened and when.
If you need to speak with us urgently, contact us.
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.