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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)

Home insurance

Cheapest and most competitive product I found. Reviewed on: 4th April 2023

% months since I reported subsidence of my home and they still have not sent anybody to look at it, despite emails requesting them to do so.

I contacted them in September of last year stating I had some cracks on the 'pine end' wall of my insured home. They have not attended my home to check the problem. They wanted to speak to me to ask 'important questions ' before they could progress with the claim. I told them I was unavailable for daytime calls and asked them to email the questions where I could supply them with answers. They still have not complied with my wish and thus far to date, they have not sent anyone to my home. I mentioned I would get a Chartered Structural Engineer as I was very worried about water flowing through the wall and the back door not closing properly. Mr. Collier said that I should send him a copy of the report, to which I replied that I would expect him to pay for the copy of the report, but he said he would not do that. On January 24th he said he would send a company called Innovation to my home to examine the problem. I checked who this company was, and their reputation of not replying to clients with their concerns, etc., was astoundingly bad, plus they are not experts in the field which is required. When I emailed Mr. Collier about my extensive research on this company he was very dismissive of my concerns and very rude in his manner. I have had a Chartered Structural Engineers report completed this past week and I emailed Mr. Collier to let him know the results were that there is subsidence and that my CSE stated that Mr. Collier should arrange for a Loss Adjuster to progress with this claim. I have yet to hear from Mr. Collier, and indeed he has emailed the 'important questions' that had stopped him from progressing with my claim, which were beyond ludicrous and could have been answered if he had bothered to examine the photographs of the damage I sent him last year! I do not understand why he is using delaying tactics and I will not send a copy of my report because he should send his own CSE and Loss Adjuster to progress with my claim, it should not be the client who does all the work and pay for expensive reports, this has been a fiasco and I would not recommend this company who do not seem to care for their clients or their homes that they have insured with them. I feel I have been intimidated and my concerns ignored for the last 5 months. I feel the only way to get anything done at this point is to go public through the media because this is astoundingly bad behaviour especially when it is a very serious problem. Reviewed on: 12th February 2023

Home emergency

Awful service when confronted with a burst outdoor tap, the water was isolated but shot off downstairs utilities. With a family of 5 they argued that there was no water in the house and therefore not an emergency- soonest plumber appointment is 5 days time! Appealing service don’t use this insurer. Complaint procedure also not followed diverted to customer satisfaction department and this point phone went dead! Reviewed on: 23rd January 2023

Awful

Awful service from start, can't say finish because 3 months and claim not settled. They are doing everything to avoid paying out. Settlement offer not even 30% of the estimates sent in. Do not get home insurance from these Reviewed on: 19th January 2023

GREAT COVER

very surprised at the cost considering how everything that needs to be covered simply is without the small print informing me that certain items are not included as I discovered when looking at other insurance quotes Reviewed on: 10th January 2023

Has anyone got common sense

Mum's insurance runs out soon, she's 90 years old has a bit of dementia, deaf and does not like talking to people on the phone but still they wanted to speak to her even though i have power of attorney due to the data act all i wanted was a better deal for her as they lloyds insurance wanted to charge her £270 more than what she paid the previous year. I explained she does not live with me and would have to travel a few miles to see her, with diesel so expensive but they insisted they needed to to talk to her due to the data act, i said what security questions do you need i have them all here including i am on her bank account at lloyds but no they want to speak to her even though i explained mum is deaf and has a bit of dementia. The lloyds employee spoke to mum for about 15 minutes but mum couldn't understand the question and my mum said that she didn't want to speak to the chap can i deal with him, he heard this but no he insisted that my mum 90 year old deaf woman speaks to him and he stopped the call after 15 minutes because i gave my the answer which was what type of insurance do you have building only, contents only or building & contents. Has the world gone mad they have data up their arxxxx who in their right mind is going to scam my mum she doesn't have a computer or knows how to use a cordless phone i will have to look elsewhere where some insurance company as common sense all i wanted was not to change anything on mum's policy but just a better deal Reviewed on: 24th October 2022

Thank you for accepting me

I have a criminal conviction as a result of my rescue dog nipping a member of the public. It is nearly impossible to get home insurance because of this (I had no idea about this before it happened to me) and I have been made to feel very isolated and marginalised as a result. Lloyds are the only major company that would even quote me and, although the price is eye-wateringly high, it is cover with a major insurer so it is peace of mind. Thank you Lloyds for being there when no-one else was. Reviewed on: 19th August 2022

Awful home insurance AVOID

They make any excuse not to pay out for the service you have paid for!!!! Please please go somewhere else. Its nothing but hassle trying to get a claim processed. Been with them for 18 months and the first time I tried to claim is so much hassle I've given up and cut my losses! Reviewed on: 15th August 2022

Insurance claim for vandalised wall 9 months ongoing

I have to say Lloyds is potentially the worst insurance company I’ve ever dealt with. Logged a claim almost 9 months ago and three contractors later and we still can’t get anyone to commit to the repair. It’s a standard garden wall 3 ft high. Lloyds have washed their hands despite having an open complaint and the latest contractor has told us to get our own materials despite quoting 10k for the works. Had to send this to the ombudsman now as we are at our wits end on how to get this resolved. We are in the process of cancelling our remaining insurance term with them as what’s the point in having insurance if it takes this long to rectify. It’s just so upsetting. Reviewed on: 11th August 2022

Great insurance

Not only do they give 40% off to members but to everyone for home insurance! Great cover too Reviewed on: 6th July 2022

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