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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)

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 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

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 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

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

LLoyds Bank Home Insurance

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

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 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

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 resolution to no avail. Do not touch with a barge pole. Reviewed on: 21st April 2021

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 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

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 never use them again. waste of money Reviewed on: 10th March 2021

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 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

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, 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

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