Lloyds Bank Home Insurance Reviews

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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...

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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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Your Home Insurance Reviews

77 reviews

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Disgusting customer service, unprofessionals staff, no refund on claims even when it is proved by photographs and weather conditions

I never made a claim with LLOYDS INSURANCE, however when I first made a claim because I suffered serious damage to the roof of the conservatory due to strong winds and heavy rains. I have provided plenty of pictures of the debris still on the ground... Read more

I never made a claim with LLOYDS INSURANCE, however when I first made a claim because I suffered serious damage to the roof of the conservatory due to strong winds and heavy rains. I have provided plenty of pictures of the debris still on the ground inside and outside the property. They even sent an inspector to check the damage, and he confirmed the damage. A staff confirmed that damage but in the end they refused my claim saying that the roof was already damaged (however it was not). The staff working on the phone from home are very unprofessional, I spent hours on the phone waiting for a reply several times. It is impossible to make a complaint because the complaint manager close to call after few minutes. Most seriously, staff do not know how to deal with people, they have not been trained and they clearly not up to the role of customer service. I would never use their services again.

Reviewed on 5th October 2021
Raffaele Filieri's avatar
Raffaele Filieri
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Misinformation on product

Messed me around by giving me false information on how I could reduce my Home contents and buildings insurance

Reviewed on 13th September 2021
John Atkins's avatar
John Atkins
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Avoid on any possibility

Avoid on any possibility. Full of liars! W had pipe cracked under the concreate floor. It took 6 weeks to get someone to 'have a look'. Then insurance will trick you to say do this, do that and on the and will say, you done some work without approval!... Read more

Avoid on any possibility. Full of liars! W had pipe cracked under the concreate floor. It took 6 weeks to get someone to 'have a look'. Then insurance will trick you to say do this, do that and on the and will say, you done some work without approval! Bunch of scammers

Reviewed on 10th September 2021
Krystian Tuszynski's avatar
Krystian Tuszynski
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Pointless Policy!!

So for the first time ever I have had to make a claim under the Home Insurance policy we have due to water flooding our bathroom from the shower cubicle area. We didn't know what was causing it but having read the policy it said Trace and Access was... Read more

So for the first time ever I have had to make a claim under the Home Insurance policy we have due to water flooding our bathroom from the shower cubicle area. We didn't know what was causing it but having read the policy it said Trace and Access was covered up to 5k. Great I thought, lets get a plumber in to locate cause and fix it. When calling to advise of this and log a claim I was advised this is not covered for leaks as a result of pipework. I explained we didn't yet know where the leak was originating from. However, I got the plumber round as still needed this sorting. He confirmed no its not the pipes leaking. Called Lloyds back and advised its not the pipes can I now make a claim. They called the plumber who advised no its not the pipes, might be the grouting or the sealant although all looks to be in tact. Won't know until I take the tile off to see whats going on behind in that area. Lloyds response: Still can't claim. We don't cover leaks as a result of poor grouting or sealing!!
So what exactly does get covered then because presently I have water flooding my bathroom everytime the shower is turned on and I am now going to have to pay for this to be traced fixed and then everything put back together again!! What is the point of my policy?! I guess I could always wait for a storm to blow part of the roof off - maybe then it would have a use! Not happy at all, wishing I had read these reviews before I took the policy out.

Reviewed on 27th July 2021
Jennifer Holley's avatar
Jennifer Holley
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STAY FAR FAR AWAY!!!!

claims number: 500294714 - made my first ever insurance claim, had home insurance for around 15 years, my TV broke, gave them my serial number, they was about to give me a voucher for Argos for the TV. they then changed there minds because i made a... Read more

claims number: 500294714 - made my first ever insurance claim, had home insurance for around 15 years, my TV broke, gave them my serial number, they was about to give me a voucher for Argos for the TV. they then changed there minds because i made a mistake on the TV serial number, they were going to send my TV away to validate what model it was but would take 7 days! I said no chance as been 5 days without a TV already they then said if you get the recipe from curries the claim will be authorised, so I did this yesterday, called them back and now they said they still want to send it away for 7 days!!!! and they are not giving me a reason why one person said to validate it even though I gave them the recipe and another person said because we now want to see if we can fix it!!! this company is a complete JOKE!!! they never wanted to pay out!!!!!!

Reviewed on 20th July 2021
Jack Chandler's avatar
Jack Chandler
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STAY AWAY

STAY AWAY from them they take your money but will not pay out. You will be paying for a service that you don’t receive. Terrible

Reviewed on 19th July 2021
Dylan Keane's avatar
Dylan Keane
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LLoyds Bank Home Insurance

I recently lost a 22carat diamond ring which I was to understand would be covered by my LLoyds Bank Home... Read more

I recently lost a 22carat diamond ring which I was to understand would be covered by my LLoyds Bank Home Insurance
I telephoned LLoyds Bank Home insurance claims office and reported that I had lost a 22carat diamond ring, I was asked for proof of the existance of this ring, I was not able to as this ring was 20+ years old, the proof they wanted was a sales receipt with a photograph of the ring, I was told by LLoyds Bank Home Insurance that this claim would be put to Lloyds Bank own jewellers for assessment, I had a result back from LLoyds Bank Home Insurance telling me that they were unable to pay out as there was no prrof of the existance of this ring, even if they were going to accept this claim I would only get a 9carat ring replacement
LLOYDS BANK HOME INSURANCE TOTAL RIP OFF, PLEASE BE WARNED DO NOT CONSIDER USING LLOYDS BANK HOME INSURANCE , PLEASE PLEASE PLEASE AVOID AVOID LLOYDS BANK HOME INSURANCE

Reviewed on 25th June 2021
Allen's avatar
Allen
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Total RIP OFF & THIEF

I had a garage door lock maliciously glued and drilled out. I made a report to the local Police.I was given a crime number for this incident, I then reported this Lloyds Bank Home Insurance as I was to understand from my insurance policy that my... Read more

I had a garage door lock maliciously glued and drilled out. I made a report to the local Police.I was given a crime number for this incident, I then reported this Lloyds Bank Home Insurance as I was to understand from my insurance policy that my garage was covered within the Home Insurance scheme. LLoyds Bank Home Insurance refused to pay as LLoyds Bank DO NOT PAY OUT for malicious damage, I was informed that they only pay out on lost keys
DO NOT USE LLOYDS BANK HOME INSURANCE, I consider LLoyds Bank Home Insurance a total RIP OFF also they are total con artists, PLEASE BE WARNED if you do not want to be RIPPED OFF AVOID AVOID AVOID LLoyds Bank Home Insurance

Reviewed on 25th June 2021
Allen's avatar
Allen
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Do not use awful awful

I had to make a claim for a water leak. Still not resolved after 2 years! Useless surveying and water leak detection. Had to get own people in who insurers won’t accept. Useless third party claims department. I am constantly chasing them for a r... Read more

I had to make a claim for a water leak. Still not resolved after 2 years! Useless surveying and water leak detection. Had to get own people in who insurers won’t accept. Useless third party claims department. I am constantly chasing them for a resolution to no avail. Do not touch with a barge pole.

Reviewed on 21st April 2021
Helen Freeman's avatar
Helen Freeman
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Thiefs

I made a claim for a leak and they have done everything possible not to payout using exclusion clauses which don’t make sense. I would never use them. Even if you withdraw your claim they put your premium up. They are using a useless surveying and v... Read more

I made a claim for a leak and they have done everything possible not to payout using exclusion clauses which don’t make sense. I would never use them. Even if you withdraw your claim they put your premium up. They are using a useless surveying and validating company. They never get back to you. Their customer services are useless. I have wasted my money for the last two years. Complete fraudsters. Please stay clear of their policy

Reviewed on 3rd April 2021
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Nikki
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waste of money

spent half a day on the phone as they tried as hard as they could not to sort my water leak. made a problem worse as i had to pay somoni to tell me what i already knew to keep them happy then they still made it hard . sorted myself in the end . will... Read more

spent half a day on the phone as they tried as hard as they could not to sort my water leak. made a problem worse as i had to pay somoni to tell me what i already knew to keep them happy then they still made it hard . sorted myself in the end . will never use them again. waste of money

Reviewed on 10th March 2021
alex luckes's avatar
alex luckes
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Absolutely disgusting company

My property was hit by a car, i rang my home insurance (Lloyd's bank) and sent all the evidence, police report, and they came back with your policy only allows us to patch it up, when i told them but im not at fault and the drivers insurance will need... Read more

My property was hit by a car, i rang my home insurance (Lloyd's bank) and sent all the evidence, police report, and they came back with your policy only allows us to patch it up, when i told them but im not at fault and the drivers insurance will need to sort it they said this is our final decision and if you dont like it go and claim against the driver yourself, there rude, dont care about there customers, im counting the days till my renewal date so i can get away from them, i wish id of read the reviews before i paid for them to represent me.. AVOID AVOID AVOID

Reviewed on 29th January 2021
Craig mather's avatar
Craig mather
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Double charging

I have been a Lloyds customer for many years, originally with a combined buildings and contents home insurance policy, I suddenly realised that I had been paying two direct debits, one for buildings and a seperate one for contents, I was horrified,... Read more

I have been a Lloyds customer for many years, originally with a combined buildings and contents home insurance policy, I suddenly realised that I had been paying two direct debits, one for buildings and a seperate one for contents, I was horrified, as I have never requested seperate cover, also both policies had been increased by £50.00 last year and I have never made a claim I have now cancelled my policies, DO NOT trust these people !!!

Reviewed on 5th November 2020
Tony B's avatar
Tony B
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Rip Off Thieves

I Would Recommend No Buddie Buys Insurance From Lloyds. They Take Your Money Up Front And After You Sign The Policy They Will Stat Sending You Amendments To The Policy. Then When You Have A Claim The Don't Pay The Claim. American Citizens Need To Wake... Read more

I Would Recommend No Buddie Buys Insurance From Lloyds. They Take Your Money Up Front And After You Sign The Policy They Will Stat Sending You Amendments To The Policy. Then When You Have A Claim The Don't Pay The Claim. American Citizens Need To Wake Up. Stop Buying Insurance These Companies Are All Rip Offs. Legalized Theft

Reviewed on 26th August 2020
Kent Yoder's avatar
Kent Yoder
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Poor Buildings insurance cover

Have been paying them for about 9 years for buildings insurance. Never made a claim and paid about £700 per ... Read more

Have been paying them for about 9 years for buildings insurance. Never made a claim and paid about £700 per year.
We have a recent water ingress coming in on the side wall bubbling up the paint and plaster and also entering the downstairs cloakroom.

They tell us it cannot be claimed unless wind was above 50mph. How would I know that? How would they know that?

This is exactly what you need buildings insurance for I said and after a lot of discussion they said they would send a surveyor BUT they are unlikely to say that it is a valid claim and I would have my record marked as having made a claim, even if I do not and cannot claim!

What a joke! I could not believe it. The only time I try to make a claim I cannot and I will be marked that I have regardless.

Needless to say I will not be renewing and I urge you to be careful when considering what I thought was a reputable company.

Terrible company.

Reviewed on 24th August 2020
MrDtr's avatar
MrDtr
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Avoid Lloyds at all costs!

Had to chase and chase for a response. Customer service appalling. My laptop was completely broken after a coffee spillage and they asked me to send them the laptop plus passwords!!!!! As I was unwilling to compromise all my personal data, I could... Read more

Had to chase and chase for a response. Customer service appalling. My laptop was completely broken after a coffee spillage and they asked me to send them the laptop plus passwords!!!!! As I was unwilling to compromise all my personal data, I could not proceed with the claim!! As loyal customer for many years and zero claims.... I will never use again

Reviewed on 30th June 2020
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Clarkey
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Lloyds Home Insurance

Beware the data portals they use for' like for like 'comparison on replacing damaged household electrical items are often one already old and delted items or they use poor quality branded products that do not sell in high streets only from cheap... Read more

Beware the data portals they use for' like for like 'comparison on replacing damaged household electrical items are often one already old and delted items or they use poor quality branded products that do not sell in high streets only from cheap warehouses. In this way the can say they found an item with the same spec but it is always the lowest quality and not a brand you ever heard of. It is a practice that you would expect from a Del Boy -not a major bank

Reviewed on 23rd May 2020
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Fraser
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Would give Lloyds Bank Insurance O/5 if I could

Worst experience ever had in my life when using a named... Read more

Worst experience ever had in my life when using a named brand.
They were not the cheapest but I was sold on the branded name. I had to make a legitimate claim and they did their absolute best not to pay even though we were covered in our policy. They refused to pay and we had to take it to the Ombudsman who agreed with us and even then Lloyds still refsued to pay. We had to take LLoyds to a small claims court and they settled at the very last minute. The whole process took 1 year to resolve. Having never made a claim in 12 years of having house insurance, we were staggered with how we were treated. It gave us so much stress and anxiety but having spoken to others, this is not how a typical insurance company treats their customers. It's just Lloyds Bank!!! NEVER EVER use them. They cannot be relied upon if and when you need them.

Reviewed on 14th April 2020
Phoebe Daniels's avatar
Phoebe Daniels
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Homeowners Insurance NIGHTMARE!!! I wouldn't even recommand for the family of cockroaches that live in the walls

I had EXTREMELY slow response and still waiting for a response. I know someone who had a house fire 33 days ago and living in New York while this Corona virus is going on, she had to wait 4 days for a call back to be given her claim number while she... Read more

I had EXTREMELY slow response and still waiting for a response. I know someone who had a house fire 33 days ago and living in New York while this Corona virus is going on, she had to wait 4 days for a call back to be given her claim number while she had herself, 4 kids, her elderly mother, handicapped uncle and two pets were forced to find a hotel so they wouldn't live on the streets or in her vehicle. She had to pay (still is) for the hotel the first for everyone to be in the same room for now 32 days. She didnt receive her 1st 2 checks for an advance and contents until 20 days later each of those two checks being $5K each. How is anyone a family of 7 supposed to have a roof over their head (in 1 hotel room), food, clothing, bare necessities, gas for the vehicle, credit card bill that she was being charged for the hotel, pay for medications and that $10k is supposed to help. Those first 30 days at the hotel came to a total of $7500, paid her credit card bill down so it wouldnt be maxed out and the next week of living could be charged to her CC. The remaining payout on her policy so her contractors would start the work has been in their underwriting department for over two weeks. And the agent when she called my friend with the "good news" that those two checks were supposedly going to be overnighted my friend asked her when the checks would be here stated : " I don't know, I don't work for Fed-Ex. Real nice compassion by this disgusting company.

Reviewed on 11th April 2020
Long Islander's avatar
Long Islander
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Con artists

Never trust this brand.... Read more

Never trust this brand.
Home insurance claim has been going on for 18 months and counting and they just don't care. Handed me to a loss adjusters who do not even call me back.
My local builder and neighbours are helping me out as my home is no uninhabitable and they just do not seem interested.
I have gone to the ombudsman who have said i am entitle to have my home back to pre-loss condition. Still not interested and there is only so much the ombudsman can do apparently!

Do not touch this company!

Reviewed on 2nd March 2020
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Mrs Peacock
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