Cancel your home insurance

Cancel your policy or find out about other options.

Cancel your policy

Cancel your policy

If you no longer need your policy, you can cancel it online. You'll need your policy number and the postcode of the insured property.

Cancel online

Thinking about cancelling?

Tell us why and we may be able to reduce the cost. If that isn't enough, you can still cancel your policy online.

You'll need your policy number and the postcode of the insured property.


Tell us why

Policy not covering what you need?

We may be able to change your cover, switch you to another product or reduce your premium.

To discuss your options in more details, call us.



Why stay with Bank of Scotland?

Always there for you
Make claims easily online or over the phone. Plus, get access to our 24/7 Emergency helpline.

Select your own excess
Choose the amount you’ll pay towards most claims. The higher the excess you choose, the less you could pay for your cover.

No hidden costs
We won't charge you an admin fee for making a change to your policy.

Help when you need it most
Our Personal Claims Consultants can support with complex claims if we feel you need help.

Worried about paying for your policy?

Please get in touch with us to see how we can help. We'll review your policy and look at how we can best support you. Here are some of the things we could look at to help:

  • Request a payment holiday
  • Check if there’s any part of your cover that you no longer need
  • See if there’s any other way we can reduce the cost of your policy.

FAQs & Common queries

  • You can cancel your home insurance at any time during the term of your policy. You can do this online or by calling us.

    After renewal, if you change your mind within 14 days, we can cancel your policy back to the start date and give you a full refund of your premium, unless you have made a claim. If you wish to cancel but would like to remain covered until the date you cancel, you’ll need to pay for the number of days cover you’ve received.

  • After you cancel, we’ll send you a letter in the next 14 days. The letter will let you know if there’s a refund due or anything left to pay. 

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.