Your cover explained

We recognise that everyone’s home insurance needs are different. That’s why we offer two levels of cover for you to choose from. Bank of Scotland Home Insurance – a tailored, flexible offering and Bank of Scotland Home Insurance Comprehensive – a more inclusive offering where additional cover and higher limits are included as standard.

Download your booklet (PDF)

House

Here’s a full list of covers we offer. Select a section for an overview of what’s covered:

  1. Private residence

    Buildings insurance

    This covers the private residence including integral and attached garages and conservatories, gates, fences, paths, driveways and patios. This includes:

    • replacement locks and keys
    • alternative accommodation if your home becomes uninhabitable
    • accidental damage to underground services
    • trace and access and emergency access cover in the home perimeter
    • property owner's liability.

    Read more about Buildings - Private residence cover in the policy booklet (PDF).

    Contents insurance

    This covers contents in the private residence including contents in integral or attached garages and attached conservatories. This includes:

    • replacement locks and keys, freezer contents, visitors’ belongings, clerical business equipment, money and cards
    • alternative accommodation if your home becomes uninhabitable
    • occupier’s and public liability cover.

    Read more about Contents - Private residence cover residence in the policy booklet (PDF).

    Please note: to check what cover you’ve chosen, see your policy schedule.

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  2. Replacement of sets cover

    Buildings insurance

    Where there is a valid claim, this covers the changing or replacement of any associated undamaged items that form part of a set or other uniform items that are lost or damaged where a reasonable match cannot be obtained. This includes:

    • replacing undamaged kitchen tiles because they matched damaged tiles; or
    • replacing an undamaged bath because a broken toilet cannot be matched.

    Read more about Buildings - Replacement of sets cover in the policy booklet (PDF).

    Contents insurance

    Where this is a valid claim, this covers the changing or replacement of any associated undamaged items that form part of a set or other uniform items that are lost or damaged where a reasonable match cannot be obtained. For example:

    • Replacing undamaged dining room carpet because it doesn’t match damaged carpet in the adjoining lounge.

    Read more about Contents – Replacement of sets cover in the policy booklet (PDF).

    Please note: to check what cover you’ve chosen, see your policy schedule.

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  3. Accidental damage cover

    Buildings insurance

    This covers damage caused accidentally. This includes:

    • football smashing a window
    • DIY accidents
    • slipping in the bath causing it to crack
    • snapping a key in the lock.

    Read more about Buildings – Accidental damage cover in the policy booklet (PDF).

    Contents insurance

    This covers damage caused accidentally. This includes:

    • spilling wine on a carpet
    • your dog knocking over a vase
    • snapping a key in a lock
    • knocking over and damaging a TV.

    Read more about Contents – Accidental damage cover in the policy booklet (PDF).

    Please note: to check what cover you’ve chosen, see your policy schedule.

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  4. Outbuildings cover

    Buildings insurance

    This covers structures detached from your private residence. This includes:

    • sheds
    • summer houses
    • garages.

    Read more about Outbuildings cover in the policy booklet (PDF).

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  5. Pedal cycle cover

    Contents insurance

    This covers loss or damage including accidental damage to pedal cycles. This includes:

    • cover when the pedal cycles are in your home
    • cover for pedal cycles within the boundary of your home
    • cover for pedal cycles temporarily away from your home.

    Read more about Pedal cycle cover in the policy booklet (PDF).

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  6. Contents in outbuildings and in the open cover

    Contents insurance

    This covers contents in detached outbuildings. This includes:

    • clothes
    • BBQ’s
    • tools
    • gardening equipment
    • lawnmowers
    • freezer contents
    • domestic fuel and water.

    This also covers contents in the open within the boundaries of your home. This includes:

    • garden furniture
    • ornaments
    • pot plants.

    Read more about Contents in outbuildings and in the open cover in the policy booklet (PDF)

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  7. Students’ content away from home cover

    Contents insurance

    This covers students' contents away from home. This includes:

    • contents and personal belongings away at university halls of residence or rented student accommodation
    • accidental damage.

    Read more about Students contents away from home cover in the policy booklet (PDF).

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  8. Personal belongings away from the home cover

    Contents insurance

    This cover includes items carried or worn outside the home (individually worth no more than £3,000), such as:

    • jewellery
    • spectacles
    • watches
    • laptops
    • tablets
    • mobile phones
    • money and/or cash cards
    • accidental damage.

    Read more about Personal belongings away from home cover in the policy booklet (PDF).

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  9. High risk items

    Contents insurance

    High risk items include:

    • televisions
    • computers
    • photographic equipment
    • jewellery.

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  10. Specified items cover

    Contents insurance

    Specified items include:

    • personal belongings and high risk items that are named and worth over £3,000, inside and/or outside the home
    • accidental damage.

    Read more about Specified items cover in the policy booklet (PDF).

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  11. Legal expenses cover

    This covers legal costs and expenses for insured incidents. This includes:

    • employment and contract disputes
    • personal injury cases
    • clinical negligence
    • jury service and civil cases relating to your personal possessions.

    Read more about Legal expenses cover in the policy booklet (PDF).

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