Flexible Contents Insurance

Sorry, this is no longer available to new customers.

We'd recommend taking a look at our contents insurance.

Already an existing Flexible Contents Insurance customer?

Your Flexible Contents Insurance is ending on 31 May 2022. Your existing cover will stay in place until then, unless you choose to cancel earlier.

Key differences	Contents insurance	Flexible Contents Insurance
Key differences Cover term	Contents insurance Yearly cover with no admin charges to cancel or change cover	Flexible Contents Insurance Monthly cover with no admin charges to cancel or change cover
Key differences Managing your policy	Contents insurance Manage your policy on the phone with some parts online too	Flexible Contents Insurance Manage your policy online
Key differences Making a claim	Contents insurance Make claims online or over the phone	Flexible Contents Insurance Make claims online
Key differences Cover limit	Contents insurance Minimum of £50,000 cover in the home for a number of events such as fire , flood, theft and water damage. Accidental damage and Legal Expenses cover included with Silver and Gold levels	Flexible Contents Insurance £10,000 simple cover in the home against fire, flood, theft and water damage
Key differences Optional cover	Contents insurance Cover your contents and students’ contents temporarily away from your home, anywhere in the world, at an extra cost. Add Specified items individually worth over £2,000 at an extra cost for cover in the home, or both in and away from the home. Accidental Damage cover included with Silver and Gold levels	Flexible Contents Insurance Covers selected items anywhere in the world at an extra cost. Includes Accidental Damage
Key differences Liability Cover limit	Contents insurance Up to £2,000,000 cover for the breach of your personal legal responsibilities.	Flexible Contents Insurance Up to £10,000 cover if you're responsible for fire, flood and water damage to your landlord's or neighbour's property.

Frequently asked questions

1.

Why is my policy ending?

We regularly review the products we make available to our customers and we have decided that Flexible Contents Insurance will no longer be offered after 31 May 2022. Your cover will remain in place until this date unless you choose to cancel earlier.
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2.

When will my policy end?

Your policy will end on 31 May 2022 (23:59:59) unless you have chosen to cancel your policy before this date. We will send you an email to confirm your policy cancellation. If you still need cover after 31 May you will need to find alternative insurance.
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3.

Why can't I add Anywhere Cover?

As the product is closing we are unable to add any new items. If you need to add new items you will need to look for alternative cover.
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4.

Can I change my address?

As the product is closing, you are unable to set up a new policy to change your address. If you require cover at your new address you should arrange this with another insurer as soon as possible so you are not left without cover. You will then need to cancel your policy in Your Policy Manager. If you are unable to find cover please contact us on flexiblecontents@lloydsbanking.com
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5.

How do I cancel my policy?

You can cancel your policy by signing into your account online and clicking on “Cancel policy”.

Whenever you cancel your policy, a refund will be processed automatically to your chosen payment card, if owed to you. Please allow three to five working days for this to reach to you.
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6.

What if I have an open claim?

Your cover ending on the 31 May 2022 will not impact any open claims. We will continue to process any claims for incidents that occurred on or before 31 May. Please see more information on open claims in the Claims FAQs section below.
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7.

Can I still manage my policy online?

Yes, you can still access your Policy Manager until 31 May when your policy will end. For more information see the Claims FAQs section below.
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Claims FAQs

How do I check my progress? expandable section

For claims submitted before 21 May 2022, please access your Policy Manager to track your claim status and find out if there is any information we require from you.

We will keep you up to date on your claim by email so it’s important to make sure we have the correct email address. If you need to update your email address you can do this in your Policy Manager.

For claims submitted on or after 21 May 2022, we will keep you up to date on progress by email or phone.
What if I have an open claim when my policy cancels? expandable section

Your open claim will not be impacted by your policy ending on 31 May 2022.

For claims submitted before 21 May 2022, please access your Policy Manager to track your claim status and find out if there is any information we require from you.

We will keep you up to date on your claim by email so it’s important to make sure we have the correct email address. If you need to update your email address you can do this in your Policy Manager.

For claims submitted on or after 21 May 2022, we will keep you up to date on progress by email or phone.
How do I make a claim? expandable section

Head to the ‘Make a claim’ section at the top of this page and click the ‘Register your claim’ button. We will review your claim as soon as we’ve received all the details.

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.