Bank of Scotland Home Insurance

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Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is Bank of Scotland home insurance right for you?

There are two kinds of home insurance: buildings insurance and contents insurance. This can either be bought separately as required, or as part of a joint buildings and contents insurance policy.

 

Buildings insurance will cover the structure of your home, usually including the walls, roof, floors, doors and windows, so you could be eligible to make a claim if damage occurs to any of these. It generally includes permanent fixtures, such as bathroom suites, kitchen units and in-built wardrobes, as well as outbuildings like garages, sheds and greenhouses.

 

Contents insurance will take care of the things that aren’t part of the structure of your home. This usually includes: furniture, electronics, jewellery, freezer contents, carpets and curtains, and clothing. However, it does not cover wear and tear, intentional or accidental damage or damage caused by your pets

 

Bank of Scotland Home Insurance Review

Bank of Scotland home insurance offers the following benefits:

  • You can receive up to 40% off your new claim with combined discounts
  • All repair work carried out by trusted builders and contractors

 

Bank of Scotland offer two levels of cover depending on if you need a basic or more comprehensive cover service:

 

Home Insurance

Their basic level of cover. This protects the essentials and a few bonus extras.

 

  • Buildings over up to £500,000 included
  • You can add optional: Outbuildings cover (£500,000), Accidental Damage Cover (£500,000)
  • Replacements of sets cover (this means if a replacement can’t be found for one part of a set, the whole set will be replaced)
  • Contents in your building are insured up to £75,000
  • You can add optional: Outbuildings (£5,000) and open air contents (£1,000) cover, Accidental Damage cover (£75,000), specified items cover (£30,000)

 

Home Insurance Comprehensive

Their comprehensive cover includes a range of extras and unlimited buildings and contents cover.

 

  • Unlimited buildings cover
  • Unlimited Outbuildings cover
  • Unlimited accidental damage cover
  • Unlimited replacement of sets cover

 

Optional extras

  • Personal Belongings away from home cover (£25,000)
  • Bicycle cover (£10,000)
  • Specified items cover (£50,000)

 

Some Things to Consider

Here are a few things to consider when looking for an insurance policy to suit you.

 

Is your property specialist?

If you own a listed building or if your property has an unusual feature such as a thatched roof, you may need specialist cover.

 

Do you need buildings and content cover?

While it’s generally advised that you take out both, it does depend on your individual circumstances. Insurance providers often provide individual policies as well as joint policies.

 

Does the policy provide enough cover?

All policies have their limits so you need to make sure that your home is covered for the rebuild value rather than the market value.

 

People's combined possessions are often worth more than they imagine, so it is worth costing your contents to make sure your chosen policy will be enough to cover everything.