By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
Bank of Scotland offers a range of insurance products, including home insurance, car insurance and life insurance. It is part of the Lloyds banking group that includes Halifax, Lloyds Bank and MBNA.
We've reviewed three home insurance policies offered by the Bank of Scotland – its Bronze, Silver and Gold cover – all underwritten by Lloyds Bank General Insurance Limited. You can buy the policies direct, but not via insurance comparison websites.
We've also surveyed 55 Bank of Scotland customers who have recently made a home insurance claim.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
Compare dealsWhich? earns commission to fund its not-for-profit mission if you buy a product
Bank of Scotland’s Gold policy was among the top 10 rated policies for buildings cover. But the insurer's claims acceptance rate prevented it from being named a Which? Recommended Provider or Best Buy.
86%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed three Bank of Scotland policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £100,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £100-£500 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Included | |
| Subsidence excess | £100-£500 | |
| Contents - Valuables unspecified single item limit | £2,000 | |
| Contents - Alternative accommodation | £25,000 | |
| Contents - Accidental damage | Full cover included | |
| Contents - Guests' belongings | £500 | |
| Contents - Theft of contents in the open | £1,000 | |
| Contents - Damage to contents in the open | £1,000 | |
| Contents - Theft from outbuilding | £5,000 | |
| Contents - Damage to contents in an outbuilding | £5,000 | |
| Contents - Personal possessions cover single item limit | £2,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Dean Sobers, Which? home insurance expert, says:
Bank of Scotland’s Gold policy did very well in our analysis of cover. We gave its buildings cover a score of 75% – placing it in the top 10 (of 71 buildings policies). Meanwhile, its contents cover scored 74% – in the upper fifth of our table.
Unfortunately, lower-than-average claims acceptance rates meant it didn’t receive a Best Buy badge.
On paper, the things that we liked about the Gold policy included an alternative accommodation limit of £100,000. This pays for your living costs (such as rent) if you can’t live in your own home while it’s being repaired.
Also, it was among a minority of insurers that doesn’t limit what it’ll pay for claims involving lost or stolen keys (for example, locksmith charges) within your overall cover limit. With some policies, these costs are capped at £300.
On the downside, it excludes torrential rain as a kind of storm under its storm cover – recognising winds of over 55mph, or extreme hail or snow. It also has a comparatively low payout limit – £1,000 – when it comes to contents that were damaged or stolen when left in the open.
While it’s not all that common, insurers sometimes cancel policies before renewal – typically because of defaulted payments or some significant change in the customer’s circumstances meaning the insurer can no longer provide cover.
In most policies we checked, the insurer will give seven days’ notice – which is barely enough time for the letter to arrive in the post, let alone for you to arrange new insurance. Bank of Scotland is one of a minority providing 14 days.
Bank of Scotland’s less flashy alternative to Gold was its Silver policy. This was also a decent performer in our analysis – with scores of 74% both for buildings and contents cover. These beat the average respective scores of 71% and 67%.
Bronze – its lowest level of cover – got 63% for buildings and 64% for contents, placing it towards the bottom of our table.
We asked Bank of Scotland customers who have recently made a claim how they felt about their home insurance.
Bank of Scotland received an excellent customer score of 86% – the joint highest in our table of 21 providers.
It also scored 82% when we asked people to rate its claims handling – in second place out of 22 brands compared. See the list of results here.
When we asked more about the rating customers gave Bank of Scotland one happy claimant told us: 'They exceeded expectations on my first claim.'
Another customer with a damaged TV added: 'Bank of Scotland did not hesitate to pay for a new one.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers | n/a |
Table last updated in September 2026. Next update in September 2027.
'n/a' represents where we have insufficient sample size (less than 40) to generate a star rating.
Bank of Scotland sample size: Customer score, 55; Claims score, 63
It's not as easy comparing prices of Bank of Scotland policies with those of other insurers, as it doesn't appear on comparison sites. But it's still worth checking out what the competition offers through other channels.
Want to pay monthly? Good news – Bank of Scotland charges no monthly interest, so if you need to split the cost you won't be increasing the overall premium.
Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide.
With a customer score of 86%, Bank of Scotland sits in joint 1st place overall in our satisfaction table, sharing the top spot with NFU Mutual and coming slightly ahead of Tesco Insurance (81%).
Its standard Silver buildings policy scored 74% and ranks joint 4th in our standard buildings cover table. It shares the same score of 74% as standard policies from Lloyds Bank, Nationwide and others.
As for contents insurance, its standard Silver policy scored 74% – the same as standard contents policies from Lloyds Bank and Halifax – and sits in joint 3rd place among standard policies.
You can make a claim online or call Bank of Scotland on 0345 604 6714.
For home emergencies, call 0345 641 9797.
Possibly. Bank of Scotland’s Gold policy was a standout in our analysis, and the insurer was also reasonably well-rated by customers in our survey.
Unfortunately, its claims acceptance figures in the FCA’s data mean we can’t recommend it.
Find the right policy for your home using the service provided by MoneySuperMarket
Get a quote now