BANK OF SCOTLAND HOME INSURANCE
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More information about Bank of Scotland home insurance
Bank of Scotland promises to shop around its panel of 11 separate home insurers, including Allianz, L&G and Zurich, to find the one that will underwrite your particular application for the cheapest premium.
However, while this might be a promise that other home insurance companies don't offer, it is not a reason to skip your own shopping around. Using a comparison website like MoneySupermarket will enable you to compare hundreds of home insurance deals, rather than what is effectively, just a handful.
What home insurance does Bank of Scotland offer?
Bank of Scotland offers its customers buildings and contents cover as standalone policies or as a combination of the two.
As with all home insurance companies, buying both building and contents cover together as one complete policy works out the cheapest option and will also ensure you do not fall prey to any gaps in cover.
What special perks does Bank of Scotland offer on home insurance?
Once you have received a quote from Bank of Scotland for covering your home and its contents, you will be given the option to pay monthly or annually.
This in itself is not unusual. But, unlike the vast majority of other home insurance companies, Bank of Scotland home insurance allows its customers to split their annual premium into 12 monthly instalments, paid by Direct Debit, at no extra cost.
Bank of Scotland will also automatically increase your cover by 10% (up to a maximum of £3,000) over periods when you tend to have more valuables than usual stored in the home, such as in the run-up to Christmas or a wedding for example. You will have to call the insurer to confirm this added cover.
Some parts of Bank of Scotland home insurance cover, such as accidental damage, come as standard, whereas with other home insurance companies, this may be deemed a policy 'add-on' and load extra onto your premium.
But, as ever, weigh up the perks and make sure you cast your net wide for the best home insurer for your circumstances.
