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Lloyds Bank: Home insurance reviews

Name: Home insurance
Rating: 2.37 (114 reviews)

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2.21

Based on 114 reviews, last reviewed 29th Aug 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

24%

12%

60%

Latest highest rating:

4

I’m very glad that Lloyds have been positive about T... I’m very glad that Lloyds have been positive about Trans Rights. Reviewed on: 22nd April 2025

Latest lowest rating:

1

Avoid Lloyds home insurance like the plague We had a house fire in 2021, and the buildings insurance was with Lloyds. They were absolutely terrible from every conceivable aspect. Appalling cust... Read more Reviewed on: 29th August 2025

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About this product

Lloyds Bank offer three levels of home insurance.

The Bronze policy is the most basic cover, Silver and Gold policies include accidental damage cover. Legal expenses cover is also included as standard in the Silver and Gold policies. Home emergency cover is an optional upgrade on all three policies.

Lloyds Bank home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Lloyds Bank before, you can also leave a review and share your experience.

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Lloyds Bank Home insurance reviews (114)

Absolutely disgusting service.

Absolutely disgusting service. I pay £25 a month to have this as one of my Premier account benefits.Registered a claim for a broken boiler on Thursday, now Monday and no further contract.I was asked if I was vulnerable when I made the claim and I explained that I have Rheumatoid Arthritis. I have been in agony all weekend with no heating or hot water. Awful customer service. Reviewed on: 22nd January 2024

Are you a circus performer

If you’re a circus performer you may find them useful but sadly I’m not used to jumping through hoops for something I’ve paid for for over 10 years. no heating and water, engineer came out after 1 day ( remember it’s emergency cover I have) took some pics, sent to his company would then sent it to insurer who then have to get quote, once it been “worked”. ( no idea what that mean) but someone then approved it, but not straight away but ANOTHER 24 hours, then they ask for evidence. By now I’m cold (it’s early January) and I have more water coining from my eyes that my taps. Absolutely shocking on every level from start to…..well cannot say finish as still not finished. Tried to ask plumber that took the pics, I will pay private to get it fixed but then told until insurer agrees, he cannot touch the boiler. Reviewed on: 6th January 2024

CORRUPT COMPANY - AVOID!!!

Disgusting company! 90% of reviews are ONE STAR which speaks volumes!! We made a formal complaint on Monday 4th December and they were supposed to acknowledge this (according to the ombudsman) within 7 days. No communication from them whatsoever and they continue to try and wriggle out of a genuine escape of water claim, blaming non existent "seals" around a bath! Wish we'd thought to check Trust Pilot before insuring with them. I see through experience how they justify their ONE star, and believe me, if I could have given 0, I would have! Ms Justine Marshall ("seamless service" department - should be “shameless service”) refuses to listen to any evidence we have provided, but instead keeps relying on a video from their trace and access company which doesn't even show the source of water - for all we know they were pouring water from a jug!! We will be pursuing this through the ombudsman / solicitors. LLOYDS BANK INSURANCE ARE A VERY DISHONEST, UNSCRUPULOUS COMPANY. Potential customers, you have been warned!!! Reviewed on: 13th December 2023

Beware. Bad customer service and horrible company for home insurance

Horrible company to insure your home. I will start looking home insurance else where as soon as 3 months before the finishing of policy. There price are competitive but when it comes to claim they will try everything in this world to decline it. Storm damage my roof and they point blank declined to cover inside or outside. No help what so ever. It was my biggest mistake to insure from them and learnt the hard way. Please be extremely careful to insure from them. Rather go to a reputable company than them. Reviewed on: 14th November 2023

Bodged up kitchen

Installed discontinued kitcehn and ignored our warning this is what builder did even after kitchen company confirmed discontinuation. Lloyds insurance are ignoring ombudsman decission which was upheld in our favor so fighting them tooth n nail. Workmanship is dire, units not installed square, blades used for cutting blunt so rough edges on units. photos can be supplied as proof. Reviewed on: 8th November 2023

Shameful

If you are looking for home insurance, do not go with Lloyds if you want anything actually done or you need to make a claim. The team on the end of the phone are liars, the people that turn up to your house are liars, everything is a sham. For a company that is nearly 300 years old, absolute disgrace. Every interaction with them is painful and at the end, they don't event cover what you want them to cover. You're on your own. You might as well get the work done yourself and take the hit rather than deal with this lot. On the upside, your no claims bonus will always be intact because they will find a way to not pay you....so they get one star for that. Reviewed on: 2nd October 2023

Atrocious level of service

Being a long standing customer I have found out how dreadful a company they are to deal with when submitting a claim. I will not be renewing my policy with them and urge everyone else to do the same. Very poor service in all areas Reviewed on: 18th September 2023

Lloyd's home insurance

I don't have a lot of experience with their home insurance but I'm pretty sure that they are great for covering any damages that might happen. Reviewed on: 9th August 2023

Clear cover

Easy to understand cover for your home. Reasonable price. Reviewed on: 14th June 2023

Policy expensive - Service dreadful

Policy is expensive. The service you receive is awful. Continual chasing for information. Keen to take excess before they do anything. Slow to instruct surveyor, contractors and then won't remove a 'non blame' claim until the money is received from the other side. The Solicitors dealing with the claim ignore you as well. My advice go elsewhere Reviewed on: 7th June 2023

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