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Lloyds Bank: Home insurance reviews

Name: Home insurance
Rating: 2.25 (118 reviews)

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2.25

Based on 118 reviews, last reviewed 20th Aug 2026

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

23%

12%

61%

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:

2

Help is not on the menu! Recently had asked for help with some household damage and they did nothing to help me. Reviewed on: 20th August 2026

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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 (118)

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

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 Up. Stop Buying Insurance These Companies Are All Rip Offs. Legalized Theft Reviewed on: 26th August 2020

Poor Buildings insurance cover

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

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 not proceed with the claim!! As loyal customer for many years and zero claims.... I will never use again Reviewed on: 30th June 2020

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 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

Would give Lloyds Bank Insurance O/5 if I could

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

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 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

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