Make a claim
Getting you back on track matters to us. From starting your claim to getting it settled, we've kept it simple and easy.
Before you start
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, you can call our Home Emergency Helpline 24 hours a day to help with this. You would need to pay for the repair and claim back afterwards, certain exclusions apply, please check your policy booklet for details.
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.
Not sure whether to claim?
Have a look at your policy booklet and policy schedule to check your level of cover. Making a claim may impact your home insurance terms and conditions. This can affect how much you pay when you renew. If your policy changes, we'll write to you to explain. We'll do this at least 21 days before your renewal is due.
Before you decide to claim, check your cover and how much excess you might need to pay, before deciding your next step.
Limits, terms and exclusions apply
Let’s get started
It’ll only take a few minutes. We just need you to tell us who you are, what happened and when.
We also need
- Your policy number.
- Your bank details, in case we need to pay you
- A list of what’s been stolen, lost or damaged.
What happens next
- We’ll let you know if you’re covered and if there is any excess to pay.
- We’ll email a link so you can upload proof like receipts, photos or videos.
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.