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Barclays Bank home insurance review

Read Which?'s expert review of Barclays' home insurance policy and find out how it compares with dozens of other home insurance companies

In this article
What does Barclays' home insurance cover? Does Barclays offer the best home insurance? Barclays' home insurance policy: is it good or bad?
How can you save on Barclays' home insurance? What is Barclays' home insurance claims number?

Barclays offers a wide range of financial products, including bank accounts, mortgages, savings accounts and Isaspersonal loans, credit cardstravel insurance and gadget insurance.

Barclays' home insurance is underwritten by Gresham Insurance Company Limited.

Barclays offers the following levels of home insurance cover:

Policy Policy Levels Buildings: maximum sum insures Contents: maximum sum insured
Barclays Bank Home Insurance Standard

Unlimited -  Properties up to 5 bedrooms/ Up to Sum insured - More than 5 bedrooms

Unlimited -  Properties up to 5 bedrooms/ Up to Sum insured - More than 5 bedrooms

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

 

What does Barclays' 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.

 

£ 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

 

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

Does Barclays offer the best home insurance?

Here's how Barclays scored in our latest home insurance survey:

 

Home And Mobile Insurance
Barclays 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.

Barclays' 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.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Barclays' home insurance rated

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

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

How can you save on Barclays' home insurance?

The first offer an insurer makes isn’t necessarily the best they’re able to provide – especially if you’re renewing. 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.

Barclays' home insurance can be purchased online and over the phone. It is not available on price comparison websites.

What is Barclays' home insurance claims number?

If you need to make a claim with Barclays home insurance call 0800 027 9844.

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

 

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