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Lloyds Bank home insurance review

Read Which?'s expert review of Lloyds Bank's home insurance policies and find out how it compares to dozens of other home insurance companies.

In this article
What does Lloyds Bank home insurance cover? Does Lloyds Bank offer the best home insurance? Lloyds Bank’s Home insurance policy: is it good or bad? Does Lloyds Bank offer different levels of home insurance cover?
How did customers rate Lloyds Bank's home insurance policy? Where can you buy Lloyds Bank home insurance? What is the Lloyds Bank home insurance claims number? Get top money-saving tips from Which?

Lloyds Bank dates back to June 1765, when John Taylor and Sampson Lloyd set up a private banking business in Birmingham. Today, Lloyds Bank offers a wide range of financial products including home insurance, car insurance, bank accounts and mortgages.

Lloyds Bank belongs to the Lloyds Banking Group, which owns other well-known brands such as Halifax, Bank of Scotland and Scottish Widows, and its home insurance is underwritten by Lloyds Bank General Insurance Limited.

Lloyds Bank offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
Lloyds Bank Home insurance Standard £1,000,000 £100,000
Lloyds Bank Premier Premium Unlimited Unlimited

 

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

 

What does Lloyds Bank home insurance cover?

The information below gives an at-glance view of the key areas that Lloyds Bank'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

 

You'll be covered for repairing any pipes that burst on the property

 

Key cover

 

You'll have cover to replace keys and locks if the keys to your home are lost and stolen

 

£ Accidental damage

 

Accidental damage to personal belongings, fixtures and fittings can be covered

 

£ Home emergency

 

You can get cover for callouts and temporary repairs resulting from a home emergency

 

£ Personal Possessions

 

This would cover personal belongings against loss, accidental damage or theft when you take them outside of your home

 

£ Boiler cover

 

This would cover boiler or central heating system failure

 

£ Legal protection

 

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

 

Does Lloyds Bank offer the best home insurance?

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

Home And Mobile Insurance
Lloyds Bank review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, 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 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.

Lloyds Bank’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.

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 Lloyds Bank's 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 2021. Next update in March 2022.

Does Lloyds Bank offer different levels of home insurance cover?

Lloyds Bank also offers Premier home insurance, which features a higher level of cover. Log in to find out how we rated it.

To see how Lloyds Bank's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate Lloyds Bank's home insurance policy?

As well as looking at how Lloyds Bank's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.

Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

How Lloyds Bank's home insurance scored for seven elements of customer satisfaction

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2021. Next update in March 2022.

"-' represents where we have insufficient sample size (less than 30) to generate a star rating

Where can you buy Lloyds Bank home insurance?

You can take out a home insurance policy from Lloyds Bank online or over the phone.

You'll have to go direct to Lloyds Bank, as you won't find it on price comparison sites. 

What is the Lloyds Bank home insurance claims number?

If you need to make a claim with Lloyds Bank home insurance call:

  • If your policy starts with HAP: 0345 300 5177
  • All other policies: 0345 300 0110

Find out more: is it worth claiming on your home insurance?

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