Home Solutions

Make sure your home is fully covered. Our Home Solutions insurance policy has been given 5 star rating by independent financial research company Defaqto. You can rest assured you’re getting great quality cover at an affordable price.

Bank of Scotland Home Solutions is underwritten by Lloyds Bank General Insurance Limited.

defacto 2016 Home Insurance

  • 12 months for the price of 10 - In your first year when you buy a new combined buildings and contents policy. Equivalent to an 18% discount and does not apply to additional cover options. Minimum premiums and conditions apply.
  • No interest charges if you pay monthly by direct debit. Make sure you keep up your payments so you stay covered.

Take a look at the Home Solutions policy booklet and policy summary for full details of the cover. 

You'll need to pop into branch to get a quote for Home Solutions.

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  1. This offer only applies if you:
    a) take out a new combined buildings and contents Bank of Scotland Home Solutions insurance policy as a direct result of a quotation obtained from 11th March 2013.
    b) obtain your quotation and take out your policy through a Bank of Scotland branch.
  2. The offer is an 18% discount on your annual premium for combined buildings and contents cover. If you pay monthly, the discount will be applied equally across your instalments. The offer only applies to your first annual insurance period.
  3. The offer does not apply to any additional options (such as Accidental Damage Optional cover, Personal Belongings cover) that may be added to the buildings and contents cover under your policy.
  4. The discount will be applied to your premium consecutively along with any other discounts that you are entitled to, but please note that minimum premiums apply.
  5. If either your buildings or contents cover or your entire policy is cancelled, the discount will immediately come to an end. Any remaining premium payable for the rest of the insurance period will be recalculated to remove the discount.
  6. If your combined buildings and contents premium is changed during the insurance period, the discount will be recalculated based on your amended premium and then applied for the remainder of the insurance period.
  7. If you make a claim under your policy, you will still be eligible for the discount.
  8. We can withdraw this offer at any time, but the discount will still apply if you take out a combined buildings and contents policy, as a direct result of a quotation obtained before the withdrawal.
  9. Please keep these conditions with your policy booklet as they form part of your policy conditions, underwritten by Lloyds Bank General Insurance Limited, registered in England and Wales no 204373, registered office: 25 Gresham Street, London, EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Existing customers


If you want to make a claim, or speak to somebody about an existing policy just give us a call.

Prefer to buy online or over the phone?


We do offer a different buildings and contents insurance policy which can be bought online or over the phone.

More about Home Solutions

Contents insurance

  • The contents of your home are insured against fire, storm, escape of water, theft and accidental damage to televisions, computer equipment and fixed glass in furniture. (For other accidents, Optional Accidental Damage cover can be purchased for an additional cost.)
  • Unlimited contents sum insured - so possessions can be repaired or replaced on a new for old basis. Some inner limits do apply such as £5,000 for contents in garages, outbuildings, £3,000 for single item valuables and £10,000 for valuables in total.
  • There is a standard excess of £100
  • You are not covered for any part of a set that is undamaged or any other item of a uniform nature, colour or design

Buildings insurance

  • Your buildings are insured against fire, storm, escape of water, theft and accidental damage to underground cables, pipes, drains, tanks (and their inspection covers) serving the home for which you are legally responsible. (For other accidents, Optional Accidental Damage cover can be purchased for an additional cost.)
  • Unlimited buildings sum insured (certain inner limits apply eg.alternative accommodation) – If the worst happens, we can rebuild the home.
  • There is a standard excess of £100
  • You are not covered for hedges, fences and gates that are damaged due to storm
  • You are also not covered for any part of a set that is undamaged or any other item of a uniform nature, colour or design

Take a look at the Home Solutions policy booklet and policy summary for full details of the cover.

You'll need to pop into branch to get a quote for Home Solutions.

Find a branch