Lloyds TSB Home Insurance Review

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Lloyds TSB Home Insurance
2.6 stars
Average rating for this product is: 2.6 out of 5

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Harley83's Review of Lloyds TSB Home Insurance

12th Jun 2004

Overall Rating

5 stars
  • Value for money
    5 stars
  • Customer Service
    5 stars
  • Type of Cover
    Buildings & Contents
Good Points

Customer service, low prices, good prodcust, low excess.


Bad Points

Work with a panal of insurers.


General 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 (as of 12th June 2004) 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!

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Members' Comments onHarley83's Review

  • melonhead Rank: Lance Corporal on 12th Jun 2008

    I found this review helpful because...i'm going to change my house insurance and will certainly consider your advice thanks