Home Solutions Fixed Premium Offer Conditions

  • You will receive this offer if you take out a new Lloyds Bank Home Solutions combined buildings and contents policy in branch or by telephone as a result of a quotation obtained from 14 November 2016.
  • The offer, which fixes your annual premium, will apply for three years in a row (the “Offer Period”) from your policy start date.
  • The offer includes any optional cover (such as Optional Accidental Damage Cover and Pedal Cycle Cover) added to your policy.
  • If you change, add or remove optional cover, or if any important fact on which we have calculated your premium changes during the Offer Period, your premium will be adjusted to reflect the change and will be fixed for the remainder of the Offer Period.
  • If you cancel either your buildings or contents cover, or if we pay a claim under your policy (other than a claim under Legal Expenses cover), the offer will come to an end at your next renewal and your premium will no longer be fixed.
  • If your policy ends during the Offer Period, the offer will end at the same time.
  • Any discounts, such as a No Claims Discount, that you are eligible for will be applied at the start of the Offer Period.  At the end of the Offer Period, any No Claims Discount that has built up during the Offer Period will be applied to your renewal premium.
  • The acceptance of any application for a policy under the offer, any policy issued under the offer and any invitation to renew your policy after the offer ends will be based on our underwriting eligibility criteria at that time.
  • If Insurance Premium Tax changes during the Offer Period, your premium will be adjusted to reflect the change.  This will be applied at your next renewal or sooner if a change is made to your policy before your next renewal.
  • The offer is not available if you already hold a Lloyds Bank branded home insurance policy.
  • The offer cannot be used together with any other offer unless we tell you.
  • We can withdraw this offer at any time, but will honour the offer for eligible policies taken out as a result of quotations obtained before the withdrawal.
  • Please keep these conditions for future reference.
  • This offer is provided by Lloyds Bank Insurance Services Limited, Registered in England and Wales No. 968406, Registered Office: 25 Gresham Street, London EC2V 7HN.  Authorised and regulated by the Financial Conduct Authority.