Finance Choices
Lloyds TSB Home Insurance
Lloyds TSB Home Insurance
Lloyds TSB offer a range of home insurance products for the discerning buyer, offering consumers the opportunity to benefit from a discount when purchasing online. Choose from buildings cover, contents cover and Home Emergency cover. You will also be given the opportunity to add on further cover to your policy such as accidental damage, pedal cycle cover, freezer cover, personal belongings cover and legal expenses cover. All of Lloyds TSB?s insurance products can be bought online, over the phone, or over the counter at any branch.
Lloyds TSB Home Insurance offer 15 % off their normal premiums when you buy online. The site provides a simple and easy to use quotes engine which will provide you with an instant quote and instant cover at a 15 % discount, should you decide to buy online.
Lloyds Home Insurance offer you the following home insurance products
The Buildings Cover on offer from Lloyds TSB is summarised below:
Summary
Like most insurers Lloyds has an easy to use website which will provide you with a free instant quote. Unlike most insurance providers, Lloyds offers a 15% premium discount if you buy online. Their quote engine will automatically take 15% off the total premium cost when giving you a quote. If you purchase online, in addition to a 15% discount your cover will begin immediately, no waiting! Lloyds has one of the best insurance website, full of information for the first-time buyer, and a Customer Helpline number you can call if you need assistance.
Lloyds offers a full range of insurance polices that cover your home including Home Insurance, Buildings Cover, Contents Cover, and Home Emergency Cover.
Lloyds TSB Home Insurance
Lloyds TSB offer a range of home insurance products for the discerning buyer, offering consumers the opportunity to benefit from a discount when purchasing online. Choose from buildings cover, contents cover and Home Emergency cover. You will also be given the opportunity to add on further cover to your policy such as accidental damage, pedal cycle cover, freezer cover, personal belongings cover and legal expenses cover. All of Lloyds TSB?s insurance products can be bought online, over the phone, or over the counter at any branch.
Lloyds TSB Home Insurance offer 15 % off their normal premiums when you buy online. The site provides a simple and easy to use quotes engine which will provide you with an instant quote and instant cover at a 15 % discount, should you decide to buy online.
Lloyds Home Insurance offer you the following home insurance products
- Home insurance
- Buildings cover
- Contents cover
- Home Emergency cover
The Buildings Cover on offer from Lloyds TSB is summarised below:
- Fire, smoke, explosion damage or earthquake
- Riot, civil commotion, labour and political disturbances or strikes
- Malicious damage or vandalism
- Storm or flood
- Subsidence
- Alternative accommodation
- Cover during sale
- Optional Accidental damage cover
- Fire, smoke, explosion damage or earthquake
- Storm or flood
- Water or Oil leaks from fixed installations such an a water tank or an oil tank
- Riot, civil commotion, labour and political disturbances or strikes
- Malicious damage or vandalism
- Theft or attempted theft
- Optional accidental damage
Summary
Like most insurers Lloyds has an easy to use website which will provide you with a free instant quote. Unlike most insurance providers, Lloyds offers a 15% premium discount if you buy online. Their quote engine will automatically take 15% off the total premium cost when giving you a quote. If you purchase online, in addition to a 15% discount your cover will begin immediately, no waiting! Lloyds has one of the best insurance website, full of information for the first-time buyer, and a Customer Helpline number you can call if you need assistance.
Lloyds offers a full range of insurance polices that cover your home including Home Insurance, Buildings Cover, Contents Cover, and Home Emergency Cover.
Lloyds TSB Home Insurance
posted by Barbara Gordon at 1:49 PM
Lloyds TSB Home Insurance
4 Comments:
If you call LLoyds TSB Home Insurance quote lines, you'll be talking to Bournemouth. Now you may well think that if you take a policy with Lloyds TSB, you'll be with Lloyds TSB and I'll be dealing with Bournemouth.
Not quite......listen carefully to the salesman and ask them to repeat anything you dont hear. This is why;
Lloyds TSB Home Insurance will quote you THROUGH Lloyds TSB but a different underwriter may handle your policy, and you'll need to deal with them. The bit that will through you off is that the paper will still be headed Lloyds TSB but will be with someone else. If you call the Customer Services deparment in Bournemouth, they'll be unable to help, but they are very helpful and will put you through to the right department.
The reason this is done is all good, to save you money!
The current underwriters on Lloyds TSB panel are:
Alliance Cornhil
AXA
Royal and Sun Alliance
Norwich Union
MMA
Zurich
Fortis
Groupama
They are all good insurance companies so you do have the peace of mind there.
Another good point of the Lloyds TSB policies is that their excess on ALL claims, that except of subsidence, is £50. Pretty good really, and also you never lose your whole no claims discount, just a percentage depndant on the size of the claim.
The coverage is all very good, but do make sure you listen to the cover your getting because you will be confused when the schedules come through, although you do get a policy booklet, who, to be honest, really ever reads them?
All in all, LLoyds TSB are a safe bet, they're sales department offer you choices rather than take it or leave it, they're customer services department are alwats willing to go the extra mile and also the claims are always setlled very quickly. Along with Lloyds TSB also being a big brand name you have the peace of mind they'll never go bust over night!
I'm moving in a few days so I phoned LloydsTSB Insurance to ask them to terminate my buildings policy. I give my details nd they ask my address which I give them. The very nice guy says that it's the wrong address! I say that it's where I have lived and had insured with them for 6 years. He says that my policy doesn't cover that address. After some toing and froing we finally establish that the temporary place I am going to is what is covered by the insurance!!!
It turns out that when I changed my address on my LloydsTSB bank account details this updated a 'common database' which updated the house that was being insured with LloydsTSB Insurance! So without saying anything to me LloydsTSB had 'uninsured' me with my current home and insured me with a totally different house (much bigger) without telling me!!!
Beware!
There are two outcomes to this:
1) Lloyds TSB made a mistake. They would then honour all claims made against this property as it was their mistake.
2) You made a mistake. In this case, you would have to pay for any claims made against this property.
Given that you have been living in a much bigger house (according to you) for the past few years, you have probably been getting a good deal on your house insurance. Whatever price you paid, you haven't had any reason to claim. Insurance companies aren't liable for undercharging you (you said the house you should have been insured on is much bigger). I don't think they have to refund you anything for this ... if you had a claim to make, then this would be much more complicated.
Bruce. I think you misunderstood ... the house I'm moving from is a 3 bedroom house and the house I'm going to is a 4 bedroom house. More than this the house I'm going to is just temporary until I get into my true next home. So I didn't want to be insured where I was going at all as it's not my house (my mother rambles around in it!).
My point is how dare LloydsTSB change the house I am insuring just because I changed the address of my bank account! And if I hadn't found out and there had been a claim on my 3 bedroom house before I moved out would I have been covered? (I suspect that Lloyds would have owned up as they would not have had an instruction from me on the insurance to change).
Post a Comment
<< Home