Bank of Scotland Home Insurance

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Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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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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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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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

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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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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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Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (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.