Bank of Scotland Home Insurance

Bank of Scotland provide you with flexible home insurance cover choices ensuring your policy is fully tailored with a competitive price.

If you need to make a claim, Bank of Scotland Home Insurance operate only UK based call centres, and if you need help in an emergency, there’s a 24 hour helpline.

Limits, terms and conditions will apply to the cover below, so it’s important to check the policy wording before you purchase.



Bank of Scotland home insurance

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As standard Bank of Scotland Home Insurance covers you for the following:

If you take Buildings Cover

  • Alternative accommodation – if you can’t live in your home because of an insured cause, you and your domestic pets will be covered for the cost of alternative accommodation
  • Full replacement of undamaged or lost items if they are part of a pair or set e.g. a bathroom suite
  • Accidental damage to underground services including drains and cables for which you are responsible 
  • Escape of water damage from things such as domestic appliances or burst pipes
  • Tracing and accessing a leak where damage is as a result of escape of water or oil, or accidental damage to underground services
  • Replacement of locks and keys to outside doors, fixed safes or alarms in your private residence

If you take Contents Cover

  • Contents replaced on a new for old basis
  • A Reduced excess of £25 to pay for smaller claims, such as claims for freezer contents, visitors’ belongings and replacement of locks and keys
  • Alternative accommodation - if you can’t live in your home because of an insured cause, you and your domestic pets will be covered for the cost of alternative accommodation
  • Full replacement of undamaged or lost items in your private residence if they are part of a pair or set, such as a 3 piece suite, when you have a successful claim
  • Cover for contents when you’re moving home when you use a professional removal firm
  • Special occasion cover, for the extra contents you may have in your private residence for your religious festival, wedding day or civil partnership ceremony 
  • Clerical office equipment like computers, fax machines, printers and any other clerical equipment you use in your office in your private residence, specifically for your business
  • Damage to freezer contents as a result of an accidental loss of power
  • Cover for money and cards when in your private residence
  • Visitors’ belongings if they are damaged or stolen while staying in your private residence

Bank of Scotland Home Insurance offers the following cover options, for an additional premium:

For your Buildings:

  • Accidental damage cover if, for instance,  you have a DIY disaster and accidentally damage a wall, or  wall tiles, you’ll be covered for repairs or replacements
  • Outbuildings Cover - to cover your detached sheds, greenhouses and summerhouses in the boundaries of your home

For your Contents:

  • Accidental damage cover if, for instance, you spill something on the carpet and the stain won’t come out, or your cat tears your favourite curtains
  • Cover for Contents in your detached outbuildings or kept outside in your garden
  • Cover for belongings you take with you when you’re out and about like your phone, laptop or e-reader
  • Pedal cycle cover - for damage to or theft of your bike, in or away from the home
  • Students’ contents - if a member of your family is away studying at university or college, this covers their contents in private rented accommodation or halls of residence
  • Option to specify items worth over £3,000 such as jewellery, paintings or collections

Other covers options available are:

  • Legal Expenses cover – helps you when you need assistance with a legal problem such as a personal injury claim, a dispute relating to building work or a dispute with your employer (underwritten by DAS Legal Expenses Insurance Company Limited)
  • Home Emergency cover – if the heating packs in, or you’ve got no water, ring the 24-hour emergency helpline and a tradesman will be sent to your home to sort the problem. (Underwritten by Royal & Sun Alliance Insurance plc).

Bank of Scotland Home Insurance will give you the peace of mind you need to protect your home and its contents from any unexpected events.  Get a Bank of Scotland Home Insurance quote today and see just how much money you could save.

Bank of Scotland Home Insurance is underwritten by Lloyds Bank General Insurance Limited.

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