Bank of Scotland home insurance review

In this article

What does Bank of Scotland home insurance cover? Does Bank of Scotland offer the best home insurance? Bank of Scotland's Silver home insurance policy: is it good or bad?

Does Bank of Scotland offer different levels of cover? How can you save money on Bank of Scotland home insurance? What is Bank of Scotland's claims number?

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.

Bank of Scotland offers the following levels of home insurance cover:

Policy	Policy level	Buildings: maximum sum insured	Contents: maximum sum insured
Bank of Scotland Gold	Premium	Full rebuild cost	£250,000
Bank of Scotland Silver	Standard	Full rebuild cost	£100,000
Bank of Scotland Bronze	Essentials	Full rebuild cost	£50,000

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

What does Bank of Scotland home insurance cover?

Elements marked with a ✓ are covered as standard, those marked with a ✘ are not. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

✓ Burst pipes

Covers water damage caused by burst pipes in the property

✓ Key cover

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

✓ Accidental damage

Covers accidental damage to personal belongings, fixtures and fittings

✓ Legal protection

Cover for legal costs resulting from claims such as property and employment disputes

£ Personal possessions

Covers personal belongings against loss, accidental damage or theft when taken outside the home

£ Boiler cover

Covers the failure of a boiler or central heating system

£ Home emergency

Covers callouts and temporary repairs resulting from a home emergency

Does Bank of Scotland offer the best home insurance?

Here's how Bank of Scotland scored in our latest home insurance survey:

Home And Mobile Insurance

Bank of Scotland review

Overall Which? score

Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.

Which? Customer Score

Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Buildings policy score

Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.

Contents policy score

Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.

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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 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 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 factor this in 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. We then adjust the impact the more and less important elements have on the overall policy score.

Bank of Scotland's Silver 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.

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In detail: every part of Bank of Scotland's home insurance rated

Weighting	Policy element	Details	Rating
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Most important	Repairs guarantee
Other	Unoccupancy period
Most important	Trace and access (£)
Most important	Burst pipes - included?
Most important	Blockage of sewer pipe - included?
Secondary	Gradual build-up of groundwater - included?
Secondary	Subsidence - included?
Secondary	Damage to underground services - included?
Secondary	Flood and storm damage - included?
Secondary	Flood and storm damage to outbuildings - included?
Secondary	Storm damage to fences - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Rating
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Other	Special event cover increase (e.g. wedding)
Other	Unoccupancy period
Other	Matching sets cover - included?
Other	Damage by domestic pets covered?
Most important	Single item limit for valuables (unspecified) - max limit (£)
Most important	Contents in the open - within home boundary i.e. garden (£)
Most important	Contents in outbuildings - including garages (£)
Most important	Theft from outbuildings (£)
Secondary	Gradual build-up of groundwater - included?
Other	Garden cover - included?
Other	Garden contents cover - plants (£)
Secondary	Money in the home (£)
Secondary	Money away from the home (£)
Secondary	Credit cards in the home (£)
Secondary	Credit cards away from the home (£)
Secondary	Digital information in the home (£)
Secondary	Items temporarily removed from home (£)
Secondary	Business / Office equipment (£)
Other	Freezer contents (£)
Other	Guests belongings (£)
Other	Student contents (£)
Other	Nursing home contents (£)
Other	Moving house cover - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Area covered
Most important	Accidental damage cover - included?	Buildings
Most important	Accidental damage cover - included?	Contents
Most important	Home emergency cover - included?	Buildings and contents
Most important	Home emergency - limit per call-out (£)	Buildings and contents
Other	Home emergency - emergency accommodation	Buildings and contents
Secondary	Boiler cover - included?	Buildings and contents
Secondary	Boiler repair (£)	Buildings and contents
Secondary	Boiler replacement (£)	Buildings and contents
Other	Boiler covered if not annually serviced?	Buildings and contents
Secondary	Legal expenses cover - included?	Buildings and contents
Secondary	Legal expenses cover (£)	Buildings and contents
Secondary	Personal possessions cover - included?	Contents
Secondary	Personal possessions away from home - Unspecified single item limit (£)	Contents
Secondary	Personal Possessions limit within a car (£)	Contents
Secondary	Mobile phones (away from home) - included?	Contents
Secondary	Mobile phones away from home - unspecified (£)	Contents
Other	Unspecified bicycles away from home - included?	Contents
Other	Specified bicycle away from home - included?	Contents

Weighting	Policy element	Area covered
Most important	Standard level of compulsory excess	Buildings
Most important	Standard level of compulsory excess	Contents
Most important	Escape of Water excess	Buildings
Most important	Escape of Water excess	Contents
Secondary	Subsidence excess	Buildings
Secondary	Personal possessions excess	Contents
Secondary	Replacement locks and keys excess	Buildings and contents
Other	NCD protection - included?	Buildings and contents
Other	NCD protection claims (number per year)	Buildings and contents

Weighting	Policy element	Area covered
Most important	Interest charged on payment by instalments (APR)	Buildings and contents
Most important	Renewal Fee	Buildings and contents
Secondary	Adjustment Fee	Buildings and contents
Secondary	Duplicate Documents Fee	Buildings and contents
Secondary	Cancellation fee within cooling off period	Buildings and contents
Secondary	Cancellation fee after cooling off period	Buildings and contents
Secondary	Payment Default Fee	Buildings and contents
Other	Emergency helpline	Buildings and contents
Other	Claims helpline	Buildings and contents
Other	Legal advice helpline	Buildings and contents
Other	Discount for buying buildings and contents insurance?	Buildings and contents
Secondary	Insurer pays switching fees	Buildings and contents
Other	Notice if insurer cancels	Buildings and contents

Table last updated in March 2022. Next update in March 2023.

Does Bank of Scotland offer different levels of cover?

Bank of Scotland also offers Gold home insurance, with higher cover levels and premiums, and Bronze home insurance, with lower cover but a lower cost.

How can you save money on Bank of Scotland home insurance?

The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.

Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.

Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.

Bank of Scotland home insurance can be bought online and over the phone.

Find out more: how to get cheap home insurance

What is Bank of Scotland's claims number?

If you need to make a claim with Bank of Scotland home insurance call: 0345 604 6714

Find out more about claiming successfully in our guide to making a home insurance claim.