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Your cover explained
We recognise that everyone’s home insurance needs are different. That’s why we offer two levels of cover for you to choose from.
Bank of Scotland Home Insurance – a tailored, flexible offering and Bank of Scotland Home Insurance Comprehensive – a more inclusive offering where additional cover and higher limits are included as standard.
Here’s a full list of covers we offer. Select a section for an overview of what’s covered:
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1.
Private residence
Buildings insurance
This covers the private residence including integral and attached garages and conservatories, gates, fences, paths, driveways and patios. This includes:
- replacement locks and keys
- alternative accommodation if your home becomes uninhabitable
- accidental damage to underground services
- trace and access and emergency access cover in the home perimeter
- property owner's liability.
Read more about Buildings - Private residence cover in the policy booklet (PDF).
Contents insurance
This covers contents in the private residence including contents in integral or attached garages and attached conservatories. This includes:
- replacement locks and keys, freezer contents, visitors’ belongings, clerical business equipment, money and cards
- alternative accommodation if your home becomes uninhabitable
- occupier’s and public liability cover.
Read more about Contents - Private residence cover residence in the policy booklet (PDF).
Please note: to check what cover you’ve chosen, see your policy schedule.
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2.
Replacement of sets cover (available with Home Insurance Comprehensive)
Buildings insurance - This cover is only available with Home Insurance Comprehensive
Where there is a valid claim, this covers the changing or replacement of any associated undamaged items that form part of a matching set or suite that is lost or damaged where a reasonable match cannot be obtained. By ‘reasonable match’ we mean this may be similar but not an exact match. This includes:
- Replacing undamaged kitchen units because their matching units are damaged; or
- Replacing an undamaged bath because a broken toilet cannot be matched.
Read more about Buildings - Replacement of sets cover in the policy booklet (PDF).
Contents insurance - This cover is only available with Home Insurance Comprehensive
Where there is a valid claim, this covers the changing or replacement of any undamaged item that forms part of a matching set or suite that is lost or damaged where a reasonable match cannot be obtained. By ‘reasonable match’ we mean this may be similar but not an exact match. For example:
- Replacing an undamaged sofa because a matching armchair is damaged.
Read more about Contents – Replacement of sets cover in the policy booklet (PDF).
Please note: to check what cover you’ve chosen, see your policy schedule.
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3.
Accidental damage cover
Buildings insurance
This covers damage caused accidentally. This includes:
- football smashing a window
- DIY accidents
- slipping in the bath causing it to crack
- snapping a key in the lock.
Read more about Buildings – Accidental damage cover in the policy booklet (PDF).
Contents insurance
This covers damage caused accidentally. This includes:
- spilling wine on a carpet
- snapping a key in a lock
- knocking over and damaging a TV.
Read more about Contents – Accidental damage cover in the policy booklet (PDF).
Please note: to check what cover you’ve chosen, see your policy schedule.
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4.
Outbuildings cover
Buildings insurance
This covers structures detached from your private residence. This includes:
- sheds
- summer houses
- garages.
Read more about Outbuildings cover in the policy booklet (PDF).
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5.
Pedal cycle cover
Contents insurance
This covers loss or damage including accidental damage to pedal cycles. This includes:
- cover when the pedal cycles are in your home
- cover for pedal cycles within the boundary of your home
- cover for pedal cycles temporarily away from your home.
Read more about Pedal cycle cover in the policy booklet (PDF).
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6.
Contents in outbuildings and in the open cover
Contents insurance
This covers contents in detached outbuildings. This includes:
- clothes
- BBQ’s
- tools
- gardening equipment
- lawnmowers
- freezer contents
- domestic fuel and water.
This also covers contents in the open within the boundaries of your home. This includes:
- garden furniture
- ornaments
- pot plants.
Read more about Contents in outbuildings and in the open cover in the policy booklet (PDF)
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7.
Students’ contents away from home cover
Contents insurance
This covers students' contents away from home. This includes:
- contents and personal belongings away at university halls of residence or rented student accommodation
- accidental damage.
Read more about Students' contents away from home cover in the policy booklet (PDF).
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8.
Personal belongings away from the home cover
Contents insurance
This cover is for items carried or worn outside the home (individually worth no more than £3,000), such as:
- jewellery
- spectacles
- watches
- laptops
- tablets
- mobile phones
- money and/or cash cards
Read more about Personal belongings away from home cover in the policy booklet (PDF).
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9.
High risk items
Contents insurance
High risk items include:
- televisions
- computers
- photographic equipment
- jewellery.
Read more about High Risk Items cover in the policy booklet (PDF)
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10.
Specified items cover
Specified items include:
- personal belongings and high risk items that are named and worth over £3,000, inside and/or outside the home
Read more about Specified items cover in the policy booklet (PDF).
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11.
Legal expenses cover
This covers legal costs and expenses for insured incidents. This includes:
- employment and contract disputes
- personal injury cases
- clinical negligence
- jury service and civil cases relating to your personal possessions.
Read more about Legal expenses cover in the policy booklet (PDF).
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