Making an insurance claim

Find the numbers to call if you need to make a claim on your Lloyds Bank insurance.

How to make a claim

To make a claim on your Home Options Insurance, contact the insurer who underwrites your policy. The telephone number is on your policy schedule. A list is also provided below. If you don't know who underwrites your policy call us on 0800 056 3811.

Aviva Insurance Limited 0800 092 7444
Sterling Insurance Company Limited 0800 1976 522
Legal & General Insurance Limited 0845 070 8681
Zurich Insurance plc 0845 300 2934
Lloyds Bank General Insurance Limited 0845 300 2289
Ageas Insurance Limited trading as Optima 0870 241 9935
Allianz Insurance plc 0845 073 1115
Covea Insurance plc 0845 071 0075
Royal & Sun Alliance Insurance plc 0870 166 0056
AXA Insurance UK plc 0870 903 6999
Ageas Insurance Limited 0845 121 2292

  • Check your policy booklet and policy schedule which gives details of what’s covered.
  • Read the detailed claims procedure and conditions on pages 19 and 20 of your policy booklet.
  • Inform the police straight away in the case of malicious damage, theft, attempted theft or accidental loss, and get a crime reference number.
  • Call the number shown on your policy schedule as soon as possible, and provide us with details of what has happened. We’ll try to resolve your claim as quickly as we can.
  • Don’t carry out any repairs without talking to us first, unless they are urgent and will prevent further damage.

Other things you need to know

At our discretion, we can either:

  • repair or replace any item as new if available, or otherwise the nearest equivalent,
  • make a money payment instead.

Money payments will be based on the cost of repair or replacement to us. If we instruct any tradesman, we will do so on your behalf.

On most claims you pay the excess (the amount is shown in your schedule) of each claim, or series of claims, arising from one event causing property damage or loss.

Remember also that a claim may affect your no claims discount and/or the policy terms when you renew. Therefore, it may be in your interests to balance this against the amount you’re claiming, particularly if it is a relatively small amount.

How to make a claim

Contact the insurer who underwrites your policy from the list above.

If you don’t know who underwrites your policy, call us on 0800 056 3811.

  • Check your policy booklet and policy schedule which gives details of what’s covered.
  • Read the detailed claims procedure and conditions on pages 42 and 43 of your policy booklet.
  • Inform the police straight away in the case of malicious damage, theft, attempted theft or accidental loss, and get a crime reference number.
  • Call the number shown on your policy schedule as soon as possible, and provide us with details of what has happened. We’ll try to resolve your claim as quickly as we can.
  • Don’t carry out any repairs without talking to us first, unless they are urgent and will prevent further damage.

Other things you need to know

At our discretion, we can either:

  • repair or replace any item as new if available, or otherwise the nearest equivalent,
  • make a money payment instead.

Money payments will be based on the cost of repair or replacement to us. If we instruct any tradesman, we will do so on your behalf.

On most claims you pay the excess (the amount is shown in your schedule) of each claim, or series of claims, arising from one event causing property damage or loss.

Remember also that a claim may affect your no claims discount and/or the policy terms when you renew. Therefore, it may be in your interests to balance this against the amount you’re claiming, particularly if it is a relatively small amount.

How to make a claim

Contact the insurer who underwrites your policy from the table in the Home Options Insurance tab above.

If you don’t know who underwrites your policy, call us on 0800 056 3811.

If you bought your policy after 16 December 2010, call 0844 209 0477.

If you bought your policy before 15 December 2010, contact:

Lloyds Bank Car Insurance
Atlantic House
Tyndall Street
Cardiff
CF10 4PP
Telephone 0845 605 9303

If you’re not sure, check the underwriter of your policy – it will show as Churchill Insurance Company Limited.

Calls to our 0844/0845 numbers cost 5p a minute from a BT landline. There may be set up fees and network charges may vary. Calls from mobile phones may be considerably more. We may monitor calls for quality and training purposes.

Emergency Medical Assistance or Repatriation

Telephone +44 1633 815 819

If you call the above number it will be answered in a call centre operated by AXA Assistance who will service your call.

Claims

For travel insurance claims, telephone 0800 731 4044.