What is Flexible Contents Insurance?

Flexible Contents Insurance is simple contents cover that gives you the freedom to add those special items anytime. Whether you own, rent or are a tenant, it could be the right choice for you. With monthly cover that you can manage online including making claims around the clock. Plus, you can make changes or cancel anytime with no fees.

If you live alone, with your family, or up to 3 flatmates, Lloyds Bank will protect your things while they are in your home from theft and damage caused by leaks, fire or flooding up to £10,000.

For an optional additional cost, add our Anywhere Cover to protect up to 5 items from loss or theft outside your home and from damage while both inside and outside. You can make sure things like your bike, mobile or laptop are protected when you need it.

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Why choose Flexible Contents Insurance?

  • Pay monthly. With no yearly contracts, we’ll give you the freedom to manage your policy how you want. Cancel at any time and have any unused days refunded.
  • Always low excess. Whatever happens, you won’t pay more than £100 excess for a single event.
  • Manage your policy online. 24/7 online claims so there's no need to worry if the worst happens.
  • £10,000 of Liability Cover. Included as standard to protect you if you’re liable for fire, flood or water damage to your neighbour’s or landlords property.
  • Emergency accommodation. If the worst happens at home because of fire, flood or water damage, and you need somewhere to stay, we’ll give you up to £150 per night, to a maximum of £1,500 towards emergency accommodation.
  • Cash to repair or replace damaged items.
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What is covered by Flexible Contents Insurance?

Items in your home are covered as standard under your Home Cover. They are covered if they are stolen, or damaged in a theft, or by fire, flood or water damage from a leak.

For an additional cost, our Anywhere Cover covers you for up to 5 items if they are damaged anywhere or if they are lost or stolen away from home.

Items that you can add include:

  • Mobile phones
  • Tablets
  • Laptops
  • Bicycles
  • Gadgets 
  • Photography equipment such as tripods, cameras etc.
  • Sports kit such as surfing boards, tennis racquets etc.
  • Music equipment such as guitars, violins etc.
  • Fashion items such as clothes, shoes, bags etc.

Limits, terms and exclusions apply. See our policy booklet (PDF, 77KB) for further details.

Not sure what type of Contents Insurance is right for you?

Compare our Flexible Contents Insurance cover with our Contents Insurance cover to choose the one which best suits your needs.

Compare our two levels of Contents Insurance cover

Key Differences

Flexible Contents Insurance

Home Insurance Select - contents insurance

Key Differences

Cover term

Flexible Contents Insurance

Monthly cover with no admin charges to cancel or change cover

Home Insurance Select - contents insurance

Yearly cover with no admin charges to cancel or change cover

Key Differences

Managing your policy

Flexible Contents Insurance

Manage your policy online

Home Insurance Select - contents insurance

Manage your policy over the phone with some parts online

Key Differences

Making a claim

Flexible Contents Insurance

Make claims online

Home Insurance Select - contents insurance

Make claims online or over the phone

Key Differences

Cover limit

Flexible Contents Insurance

£10,000 simple cover in the home against fire, flood, theft and water damage caused by leaks

Home Insurance Select - contents insurance

Minimum of £50,000 cover in the home for a number of incidents such as fire, flood, theft and water damage

Key Differences

Optional cover

Flexible Contents Insurance

Optional cover at an extra cost for selected items worldwide if you add Anywhere Cover

Home Insurance Select - contents insurance

Cover your items anywhere in the world if you add Away from home cover at an extra cost

Key Differences

Liability Cover limit

Flexible Contents Insurance

Simple liability cover up to £10,000 if you're liable for damage to your landlord's or neighbour's property

Home Insurance Select - contents insurance

Liability cover up to £2,000,000 for your personal legal responsibilities

Key Differences

Get a quote

Flexible Contents Insurance

Home Insurance Select - contents insurance

Limits, terms and exclusions apply.

Already an existing Flexible Contents Insurance customer?

If you're already an existing Flexible Contents Insurance customer and you’d like to make changes to your policy online you’re in the right place.

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.