Bradford & Bingley's home insurance brand was acquired in 2010 by BISL Limited, part of the BGL group, after Bradford & Bingley was nationalised by the UK government then bought and rebranded by Santander in 2008.
Bradford & Bingley's home buildings and contents policies are underwritten by Fairmead Insurance Limited.
Bradford & Bingley offers the following levels of home insurance cover:
|Policy||Policy level||Buildings - Maximum sum insured||Contents - Maximum sum insured|
|Bradford & Bingley Home insurance||Standard||£750,000||£75,000|
|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 included in our home insurance analysis
What does Bradford & Bingley home insurance cover?
The summary below gives an at-a-glance view of the key areas that Bradford & Bingley's home insurance covers as standard.
Elements marked with a ✓ are covered as standard, those marked with a ✘ aren't covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Home emergency
Covers callouts and temporary repairs resulting from a home emergency.
✓ Burst pipes
Covers the cost of repairing burst pipes in the property.
✓ Boiler cover
Covers the failure of a boiler or central heating system.
✓ 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.
£ Personal possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home.
£ Legal protection
Covers legal costs resulting from claims such as property and employment disputes.
Does Bradford & Bingley offer the best home insurance?
Here's how Bradford & Bingley 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 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.
Bradford & Bingley'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 Bradford & Bingley's home insurance rated
Table last updated in March 2021. Next update in March 2022.
Where can you buy Bradford & Bingley home insurance?
Bradford & Bingley home insurance can be purchased online and over the phone, and also via the following price comparison websites:
- Compare The Market
- Go Compare
Find out more: how to get cheap home insurance
What is Bradford & Bingley's claims number?
You can make a home insurance claim with Bradford & Bingley by calling 0344 412 2152.
According to Bradford & Bingley, you may be asked for the following when you call to claim:
- Original documents, such as receipts, invoices, instruction booklets or photographs that can confirm age, the make, model or cost of the item you're claiming for
- The date you bought the lost/damaged item(s)
- Written confirmation by a qualified electrician that electrical items are beyond repair
- If you've been burgled or had items stolen, you should notify the police immediately and note the Crime Reference Number.
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.