Bank of Scotland home insurance overview
Part of the Lloyds Banking Group, which also includes Lloyds Bank and Halifax, Bank of Scotland's home insurance is underwritten by Lloyds Bank General Insurance Limited.
If you're looking for our ratings of bank accounts, click here.
- Read our reviews of all the insurers who took part in our home insurance analysis
Does Bank of Scotland offer the best home insurance?
Here's how Bank of Scotland scored in our latest home insurance survey:
To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 48 key elements of standard buildings home insurance policies to come up with the buildings policy score and 67 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
Bank of Scotland's Home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of Bank of Scotland's Home insurance rated
Table last updated in March 2020. Next update in February 2021.
Does Bank of Scotland offer different levels of cover?
Bank of Scotland also offers Comprehensive home insurance, which features a higher level of cover and is likely to cost a bit more.
What is Bank of Scotland's claims number?
You can make a home insurance claim with Bank of Scotland by submitting a claim form online or by calling one of the following numbers depending on your policy reference (the first three letters of your policy number):
- HAP or HAQ – 0345 3005 177
- HIA – 0345 3000 130
- HDA – 0345 3005 177
- MHA – 0345 3001 520
Find out more about claiming successfully in our guide to making a home insurance claim.
Get top money-saving tips from Which?
Sign up to the Which? Money Weekly newsletter to get our latest news, tips and deals straight to your inbox.