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.
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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 Home insurance||Standard||£1,000,000||£100,000|
|Bank of Scotland Comprehensive||Premium||Unlimited||Unlimited|
|Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy|
- Read our reviews of all the insurers who took part in our home insurance analysis
What does Bank of Scotland home insurance cover?
The information below gives an at-a-glance view of the key areas that Bank of Scotland's home insurance covers as standard.
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Burst pipes
Covers the cost of repairing 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
£ Home emergency
Covers callouts and temporary repairs resulting from a home emergency
£ 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
£ Legal protection
Covers legal costs resulting from claims such as property and employment disputes
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 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 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 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 2021. Next update in March 2022.
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.
Where can you buy Bank of Scotland home insurance?
Bank of Scotland home insurance can be bought online and over the phone.
Bank of Scotland's home insurance policy is not available on price comparison websites.
- Find out more: how to get cheap home insurance
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 - 0345 3005 180
HIA - 0345 6046 535
HDA - 0345 6046 290
HHB - 0345 6026 827
Find out more about claiming successfully in our guide to making a home insurance claim.
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