Lloyds Bank Home Insurance Reviews

Ratings based on 49 reviews Last review 1 week ago

Lloyds Bank home insurance reviews can tell you how good this product really is. How quickly did you get the policy documents? How well did Lloyds Bank handle your home insurance claim? Our Lloyds Bank home insurance reviews can help you to find out...

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Lloyds Bank home insurance reviews can tell you how good this product really is. How quickly did you get the policy documents? How well did Lloyds Bank handle your home insurance claim? Our Lloyds Bank home insurance reviews can help you to find out this and much more. Have you ever had a policy with Lloyds Bank? You can tell us about it by writing your own review below.

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4 9
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Your Home Insurance Reviews (49)

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15th March 2019

We have been wasting our money for years!!!

just had our second claim rejected by LLoyds...

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just had our second claim rejected by LLoyds
1) garage roof was corrugated asbestos with one panel of clear polycarbonate to let light in. had very heavy snow which froze and caused a leak in the polycarbonate part of the roof.
Not insured apparently...as the roof was not adequately maintained despite us having a mortgage survey on the whole property less than a year ago! signs of damp apparently are that the wood has gone darker in colour???

2)Two bikes stolen from outside back of garage while roof is repaired (not in view of streets) bikes were chained to lifting handle on 1000 litre hot tub which weighs 1.5 tons...apparently this does not constitute a permanent structure.
was told we should have had a bike rack in our back garden.
My partner was sold the policy that cycles were covered as long as they were in the confines of the property...no mention of small print or having bike racks installed to meet policy requirements.

feel like anything we would claim for would be rejected...

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21st January 2019

Outstanding

I have been lucky enough to have Lloyds Building and Contents insurance when I was unlucky enough to have a major leak in my house. 1000lts of water leaked into the concrete floor of my kitchen and ruined the kitchen cabinets and the plaster. Lloyds...

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I have been lucky enough to have Lloyds Building and Contents insurance when I was unlucky enough to have a major leak in my house. 1000lts of water leaked into the concrete floor of my kitchen and ruined the kitchen cabinets and the plaster. Lloyds assigned an assessor and he helped us all the way through our nightmare as the kitchen was dug up and was out of use for months. They didn’t quibble over anything and every time I had a question or a problem cropped up with the contractor the assessor was there to sort things out, smooth things over and help. I genuinely couldn’t recommend Lloyds highly enough they have been outstanding.

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26th November 2018

Disappointing

After be a customer of Lloyd’s home insurance for years and never having claimed was told the leak in my roof was not storm damage? As he had looked up the weather and there had been no storms in the las 3 months ...

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After be a customer of Lloyd’s home insurance for years and never having claimed was told the leak in my roof was not storm damage? As he had looked up the weather and there had been no storms in the las 3 months
Abdul seemed quite excited to tell me I wasent covered
Suggest everyone checks there policy
Obviously cancelled mine.

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17th November 2018

Rip off

Tried to make a claim on home contents insurance did not pay out suggested I was not telling truth and even though they could not prove anything they cancelled my insurance and thus making it more expensive for me to take out any type of insurance for...

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Tried to make a claim on home contents insurance did not pay out suggested I was not telling truth and even though they could not prove anything they cancelled my insurance and thus making it more expensive for me to take out any type of insurance for at least 5 years.
Reported to financial ombudsman but they said " according to there terms and conditions they only have to think you are not telling the truth and they can terminate your policy and there is nothing you can do about it, they do not have to prove anything."
And this applies to most insurance company's.

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22nd September 2018

RUBBISH

Had water coming through my roof. They sent a surveyor out who completely misdiagnosed the problem. Water continued to leak , they then stated that they couldn't do anything because there wasn't storm...

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Had water coming through my roof. They sent a surveyor out who completely misdiagnosed the problem. Water continued to leak , they then stated that they couldn't do anything because there wasn't storm damage.
The roof was damaged by my neighbours and I'm still waiting over four months for a legal claim to go through on the legal side of the insurance.
AVOID LLOYDS INSURANCE. MORE HEADACHE THAN THEY ARE
WORTH

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3rd April 2018

water damage claim

Terrible service...trying to wriggle out of a claim.  Want to use their own contractors but they  have not visited and seen the damage...only the assessor who is not qualified and also very keen to not answer emails.  Basically go elsewhere...do not us...

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Terrible service...trying to wriggle out of a claim.  Want to use their own contractors but they  have not visited and seen the damage...only the assessor who is not qualified and also very keen to not answer emails.  Basically go elsewhere...do not use them.  Still no repairs to the damage after nearly 5 weeks. Unacceptable. I would rather give a 0 rating...poor everything...

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16th March 2018

Freezer Claim

Appalling Customer Claim Service! Tried to claim for my freezer & Contents after I’d lost everything, never made a claim before & was Shocked at Lloyds Agent when I tried to claim... Got told to pull the food out of wheelie Bin & photograph it! Then s...

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Appalling Customer Claim Service! Tried to claim for my freezer & Contents after I’d lost everything, never made a claim before & was Shocked at Lloyds Agent when I tried to claim... Got told to pull the food out of wheelie Bin & photograph it! Then said I’d need to contact Sainsbury’s etc to get copies of my food shopping receipts to prove purchases, Lloyds Agents whole manner in speaking to me was as if I was lying & trying to rob them!! When I asked if my claim would effect my policy as I thought I was protected, I was given a load of waffle about not having the policy for 6yrs + so my claims bonus wasn’t protected, Basically Told if I Claim they’ll just raise my monthly policy costs to get it all back! Left with Nothing & Feeling it was pointless paying for this Contents Ins with Lloyds every month if it’s not going to Help when you need it? Personally Don’t Waste Your Money. I’m Now Looking Elsewhere for a Trustworthy Company

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5th March 2018

Paid for insurance not fit for purpose

Tried to cancel home insurance and home emergency cover with no cancellation charges so I could go elsewhere Not possible...

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Tried to cancel home insurance and home emergency cover with no cancellation charges so I could go elsewhere Not possible ???
Engineer did not turn up when my heating packed up no phone call no contact at all still not sorted a week later unable to get in touch with service provider
Loss confidence so wanted to cancell both policies sold by Lloyds

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25th January 2018

Abysmal, No idea what they are doing.

Trying to deal with Lloyds, and they are abysmal. They told me I should have read my policy prior to making my claim, they clearly did not check my notes the day before when I called them to query why I still had not had a copy of my policy. They very...

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Trying to deal with Lloyds, and they are abysmal. They told me I should have read my policy prior to making my claim, they clearly did not check my notes the day before when I called them to query why I still had not had a copy of my policy. They very much treat you like a criminal, virtually suggesting that are trying to defraud them. The irony is, in 15 years of having car insurance and home insurance, I've never ever claimed off any insurance policy. I took photos to show them, and called them immediately to report the incident. If they looked at their own records they would see I was insured with them the prior year and never claimed either. They told me I want to claim for too many damaged items, but they haven't even got the claim list - as I told them I would have to ring them with it.

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2nd November 2017

So much for loyalty, renewal is 4 times higher then new quote from them!!!!

My wife has been renewing the home insurance with Lloyds but now I'm retired I checked their renewal quote and found it is 4 times more expensive then a new quote from them, and that was twice as expensive as competitors. Really feel abused !!!!

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3rd September 2017

Horrendous Service (Home Insurance)

Having been with lloyds for 21 years for home insurance and paying £85 per month I was horrified to be told that I'd need to pay £1000 excess for cracked internal wall. ...

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Having been with lloyds for 21 years for home insurance and paying £85 per month I was horrified to be told that I'd need to pay £1000 excess for cracked internal wall.

Let me tell you this was advised by advisor on the phone and he asked did I know how and when the crack appeared, did I know a structural engineer! Seriously! He told me to contact a builder get a quote then they'd decide if I would be covered. Did as they requested only to be told the crack in my wall did not cover me,with no good reason given to why I was not covered. Frustrated by the situation I contacted there complaints team and I'm still not really any further forward, I've now contacted the financial ombudsman and will await there outcome.

AVOID THIS COMPANY!

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24th July 2017

Cheap cover, but lousy big claim response

My elderly and disabled mum's home was severely damaged by a fire started by a negligent workman working at a neighbouring property. Lloyds loss assessor was charming and effusively reassuring at first but utterly appalling to deal with. Despite the...

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My elderly and disabled mum's home was severely damaged by a fire started by a negligent workman working at a neighbouring property. Lloyds loss assessor was charming and effusively reassuring at first but utterly appalling to deal with. Despite the fact that Lloyds are reclaiming the settlement from next door's insurers, he quibbled and fought on every bit of expense. Next door's settlement (mirror image semi) was £260k. Mum's home, which also needed back-to-brick repair & refurb throughout, he fought to keep down to well under 100k. She ended up having to shell out thousands from her own pocket. He wouldn't approve anything that he felt wasn't 100% down to the extensive smoke and water damage to the property, added several months' delay to works being completed by insisting on needless third party tests (that confirmed our own workmens' finding), curtailed the time they were prepared to pay for alternative accommodation, and in short showed no shred of practical sympathy, understanding or flexibility to meet the needs of a very vulnerable, elderly & disabled client. I wouldn't call him a heartless bastard. Given enough time I'm sure I could come up with a complimentary description - just can't think of one offhand. Won't touch Lloyds again.

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