Contents insurance

Choose between our three levels of contents insurance and pick extra cover if you need it.

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Why do you need contents insurance?

We know that the things you own mean a lot. They may also have a high value in money terms and replacing them could be costly.

That’s where home contents insurance can help. It can cover the costs of repairing or replacing your stuff if something goes wrong.

It’s important to work out how much these costs would be. Here is how you can start.

  • Make a list of the things you own by room, with highest value items first.
  • Update your records regularly, especially when you buy more valuable things.
  • Check this list against the cover offered by your insurance provider. There may be limits on the amount you can claim for.

What cover can Lloyds Bank provide?

Contents insurance could cover the cost of repairing or replacing the things in your home.

We could pay out if items are stolen or damaged by events like flood, fire or storms, while they are in your home.

To find out how it works, we have lots of guides about the cover that’s available.

To find out more about the limits, terms and exclusions that apply, read the policy booklet (PDF 1MB) and policy limits (PDF 101KB).

What extra cover is available?

We offer Bronze, Silver and Gold levels of cover, so you can choose the one that best suits your needs. We also offer some optional cover for extra peace of mind.

Our contents cover offers:

  • Accidental damage cover. This protects your belongings from physical damage that’s sudden, unexpected and not done on purpose. It's included only with our Silver and Gold cover and comes as standard.
  • Away from home cover. This protects the things you have with you when you leave the house, like your phone, watch or bike. It also covers students’ contents up to £5,000. It’s optional on all levels of cover.

Unlike some home insurance providers, we don't ask you to add separate cover for things like bicycles or high value items in the home.

  • Contents in sheds or garages or out in the open are covered as standard with all levels of cover.
  • High value items that are worth more than £2,000 are covered if you specify them on your policy.
  • Bikes are covered in your home as standard. You can protect them out and about with away from home cover.

To find out more about the limits, terms and exclusions that apply, read the policy booklet (PDF 1MB) and policy limits (PDF 101KB).

What level of cover is right for you?

When it comes to protecting the things you own, you want to know you’re in safe hands. Get contents insurance that’s there when you need it.

We offer three levels of cover:

  • Bronze - up to £50,000 for your contents.
  • Silver - up to £100,000 for your contents. Includes accidental damage and legal expenses cover.
  • Gold - up to £250,000 for your contents. Includes accidental damage and legal expenses cover.

Contents insurance

Contents insurance covers the cost of replacing your personal possessions if they are stolen, or repairing them if they are damaged by events like floods, fire and storm while in your home.

Take out contents insurance as a standalone policy or combine it with a buildings insurance policy.

Content insurance

Cover

Bronze

Silver

Gold

Cover

Contents limit up to

Bronze

£50,000

Silver

£100,000

Gold

£250,000

Cover

Accidental damage

Bronze

Not available

Silver

Included, up to £100,000

Gold

Included, up to £250,000

Cover

Legal Expenses

Bronze

Not available

Silver

Included, up to £50,000

Gold

Included, up to £50,000

Cover

Away from home

Bronze

Optional extra, from £1,000 up to £25,000

Silver

Optional extra, from £1,000 up to £25,000

Gold

Optional extra, from £1,000 up to £25,000

Cover

Home Emergency

Bronze

Optional extra, up to £1,000

Silver

Optional extra, up to £1,000

Gold

Optional extra, up to £1,000

Get your quote online

How much excess would I need to pay?

Your excess is the amount you'll pay towards the cost of most types of claim. You can choose your own excess between £100 and £500. A higher excess means your cover will cost less, but you'll have to pay more towards a claim. The excess you will have to pay for some claims will be lower than your chosen excess.

With Bronze and Silver cover, there's a different excess for leaking water claims.

How much excess would I need to pay?

Excess

Bronze

Silver

Gold

Excess

Your standard excess

Bronze

Choose between £100 and £500

Silver

Choose between £100 and £500

Gold

Choose between £100 and £500

Excess

Leaking water excess

Bronze

£500

Silver

£500

Gold

Your standard excess

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Pick up where you left off.

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Learn more about Home Insurance Select

What is contents insurance?

Contents insurance can cover your items in case they are damaged or stolen while in the home.

It's designed to protect you from the cost of having to replace or repair items when things go wrong. When you take out this cover, you can relax knowing that things like theft, and damage by fire, storms, flood or vandalism are covered.

Limits, terms and exclusions apply to all levels of cover.

What does contents insurance cover?

When you take out Home Insurance Select, it’s helpful to know what will be insured on your policy.

What does contents insurance cover?

Our contents insurance covers:

  • Contents in your home that belong to you and your family. This means household goods, personal belongings and valuables, and home office equipment.
  • Contents in outbuildings such as sheds, garages and greenhouses. They're also
    covered in the open within the boundaries, such as on driveways and patios.
  • The cost of repairing or replacing things in your home that have been stolen or
    damaged by an insured event. This includes fire, flood and storm damage.
  • Locks and keys. This covers the cost to replace the locks to your outside doors if
    you lose your keys or if they are stolen.
  • Money stolen from your home.
  • Damage to frozen food if your freezer stops working or the door is left open.
  • Things that belong to visitors in your home.

This is not a full list. For limits, terms and exclusions, check the policy documents (PDF 1MB).

What isn’t covered?

These are some of the things that our contents insurance doesn’t cover:

  • Items held or used for business reasons, other than home office equipment and furniture.
  • Theft from your home while anyone other than you and your family are staying there. However, we'll pay claims if force and violence was used to get into or out of your home.
  • Wear and tear. Damage that happens as something gets older is known as 'wear and tear'. Most things in your home will end up suffering from this. Your policy doesn't cover you for this kind of damage.
  • Deliberate acts. Any claim as a result of a deliberate, malicious or unlawful act by you and your family.

This is not a full list. For limits, terms and exclusions, check the policy documents (PDF 1MB)

How do I work out the value of my possessions?

To work out how much the contents in your home are worth, it helps to follow these tips:

  • List all of your contents in each room. Scan around and make a note of the value of the things you see. Include your things in outbuildings and in the open within the boundaries. Don't include fixtures and fittings such as bathroom suites and kitchen units.
  • Estimate how much they’re worth. It helps to look online at how much it would cost to buy each item now if you had to replace it.
  • Add up the values. The total tells you the estimated value of your possessions. You can use this to help you choose a level of cover.

How to make a claim on your contents insurance

Step 1

Starting a claim with us is easy.

But there are some things you might need to do before you get in touch with us.
If an item has been stolen, vandalised, or damaged in a riot, call the police first.

If you need to make urgent repairs, like to a broken lock or window, take a photo before and after the work. Be sure to keep any invoices or receipts for repair work.

Then, read your policy booklet (PDF 1.1MB) to check what level of cover you have with us.

Step 2

Get in touch with us.

You can make a claim online. Or if you prefer you can call us.

Make a claim online

Contact us

We’ll try to make things easy for you. We’ll start by asking you to confirm who you are.

Next, we’ll ask for a bit of information about your claim. This will include what happened, when, where and details about what has been lost or damaged.

Finally we’ll confirm if your items are covered and if you can make a claim.

Step 3

We’ll just need a final bit of information from you.

First, we’d like a list of everything that has been damaged. This will help us work out your claim.

Then, we may ask for proof that you own the items. So gather things like receipts, invoices, credit agreements etc.

Once we have all your information, we’ll work out any cash repayments or replacements you’re due.

We’ll also give advice on the next steps you need to take with your claim.

Contents insurance: FAQs

How soon can I claim on contents insurance?

Your policy documents will show the start date of your policy. If any loss or damage happened before that date you’ll need to speak to your previous insurance provider.

If something happens after that date then you can call us straight away. Make sure you check your policy documents first. Then, gather details about the items that have been damaged or stolen. That way we can get to work on your claim as soon as possible.

Does contents insurance cover fixtures and fittings?

No, contents insurance doesn’t cover these. To cover your home fixtures and fittings, you’ll need to take out buildings insurance. This would cover the cost of replacing or repairing damage to things like your fitted kitchen or bathroom in your home.

Do I need contents insurance if I rent?

If you rent your home, it’s a good idea to have contents insurance. This can cover the cost of repairing or replacing your personal items if they are stolen or damaged by an insured event.

 

Limits, terms and exclusions apply to all levels of cover. 

Get buildings insurance

Lloyds Bank offers both buildings cover on its own and combined buildings and contents cover.

Buildings insurance is for the structure of your home, like your roof, walls, windows and ceilings. It also covers fixtures like your fitted kitchen and bathroom. It covers you against damage caused by things like fire, flood and storm.

Call to get a quote

If you’d prefer to get a home insurance quote over the phone, our UK-based team are here to help.

We can discuss your insurance needs and the types of insurance we offer. This includes any additional cover options you may benefit from.

Keep in mind, if you get a home insurance quote over the phone you will miss out on the online price which is 10% cheaper.

Retrieve your quote

If you’ve already completed a quote and would like to take out home insurance with us, there’s no need to start your quote again.

You can retrieve your quote online if you have this information:

  • Your Quote Reference Number
  • Your date of birth
  • The postcode of the property you want to insure.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).