Protect your assistive and medical devices

Cover for equipment that helps you and keeps you healthy

Most of us will depend on equipment to stay healthy, or for help in our daily routine at some point in our lives. It could be glasses, contact lenses or a hearing aid to help with our vision or hearing. We might need crutches, a wheelchair or a stair lift to get around. We might use equipment for breathing, such as a portable oxygen tank or a nebuliser. Wearable tech is a growing trend. In future, more of us will use it to manage our fitness or to monitor a medical condition.

Since your health and wellbeing can depend on this expensive equipment, it makes sense to check that you're covered in case of theft or damage.

How our home insurance can help

Home Insurance Select can protect a wide range of products that support your health and mobility. Most medical items that cost less than £2,000 each are covered while at home as part of your overall contents cover. If you have items worth more than £2,000, you'll need to specify these on your policy.

It means you're covered for things like:

  • Walking frames and trolleys
  • Wheelchairs 
  • Crutches
  • Devices that help with hearing and sight loss. Things like glasses, hearing aids, and refreshable braille displays

We offer three levels of contents cover:

  • Bronze cover with up to £50,000 for your contents
  • Silver cover with up to £100,000 for your contents
  • Gold cover with up to £250,000 for your contents

Whichever level of cover you choose, your medical items worth less than £2,000 are covered at home up to the contents limit. And if you have items worth between £2,000 and £20,000 each, they're also included in your contents limit as long as you name them on your policy.

Cover for accidental damage is standard with our Silver and Gold cover. And if you add Away from home cover, you can choose to protect your things when they're not at home.

We don't cover Motability type vehicles or electric mobility scooters that are typically used for journeys outside the home.

My home is being modified. Does Lloyds Bank home insurance cover this?

If you adapt your home for medical reasons, we would class these as fixtures of the building. So things like:

  • installing ramps or widening doors
  • putting in a downstairs bathroom or stair lift
  • installing a bath lift, walk-in bath, wet room, or an easy-access shower

would be covered by your buildings insurance.

It’s a good idea to let us know before you start. That way your policy can be updated to keep you covered.

Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents.

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