Written on: 01/11/2013
I have had Lloyds TSB home insurance now for two years, in May this year I had reason to make a claim. It took over a week for an assessor to come out to see me, manpower shortage and holiday commitments was the excuse they used. My porch ceiling had collapsed under heavy rain and the rain water was poring in, so I had to authorise emergency repairs to be carried out. When an assessor did eventually arrive work was in progress but not actually complete on the inside. However, my policy did... (read more)
Written on: 19/10/2013
Appalling shocked still in business. FSOmletting down the public to allow them to continue with such appalling standards. Conduct authority also failing customers. Lloyds blatant liars, there are hidden unfair contract terms been imposed on customers that could leave them liable for huge amounts of monies this has happened to us 3times in 18 months and cannot be a coincidence when same work broke down cagain.Complaints system none existent.Agreed terms rescinded two days after agreement.... (read more)
Written on: 30/08/2013
I took out a policy to incorporate a high value watch. I was never asked to prove its value at the time of taking out the policy but was assured that it was covered in all aspects. So what happens ? Yes I lose it whilst abroad. I make a claim, I have to wait 5 days for anyone to get back to me. 1 hour telephone conversation later my claim is declined??? I am told I have no provenance as I have not kept a receipt from 7 years ago. WHO BLOODY DOES I even took the watch with me when I took out... (read more)
Written on: 04/06/2013
Absolutely hopeless. Very straightforward claim, filled in the forms, heard nothing, getting through on the phone just about impossible, finally after a 14minute call, during which I was asked totally irrelevant questions, made slight progress. I have now signed up elsewhere. (read more)
Written on: 14/04/2013 by Aldoboy1 (1 review written)
I have Lloyds tsb house insurance , we up here in Scotland had a stormy night few months back , I had a few slates come of my roof , hit my cast iron guttering the result was I had a broken gutter with water pouring on to my conservatory roof, I contacted Lloyds insurance great the member of staff was fantastic taking my fault, so easy to do they instructed me that a company from England gab robins was going to come see broken guttering , ok they did come see my guttering and I was at... (read more)
Written on: 29/03/2013
I've just had a renewal request from Lloyds TSB - contents and buildings insurance of £1,284 or £107pcm. This is outrageous. On moneysupermarket.com there are loads at £300 per annum! How can they justify these premiums which are so out of kilter with the market. I need to check back but it seems that my failure to monitor their increases has just served to let them exploit me. I will complain! (read more)
Written on: 19/03/2013
My neighbours house burnt down in October 2012. He contacted Llyods tsb his insurance company to pay for my damage as my carpets were recked, my front door smashed in etc... They wrote to me and said they would rectify my damage as it was my neighbours fault the fire damaged my property. 5+ months on and no repairs have been done to my house and only the scaffolding has been put up his property. They havent wrote back to me or contacted me by telephone about when my repairs are going to be... (read more)
Written on: 25/02/2013 by MissUnhappyWithLloyds (3 reviews written)
Here is the warning so you don't fall into the same trick. We claimed on our AXA Travel Insurance, sold to us by Lloyds TSB after our flight was cancelled due to a security staff strike - meaning people couldn't get through to the gates. ** This is the technicality they have got us on If you use an online check-in process, it won't work as proof you arrived at the airport. WIthout being able to prove you arrived at the airport with ample time they will void your claim, regardless to... (read more)
Written on: 20/02/2013 by dwileman (1 review written)
Lloyds have been an absolute nightmare to deal with and am disappointed I have had to give them 1 star as they don't deserve that. I made a first contents claim in 11 years and am still awaiting settlement, this has been passed for settlement 3 times but they then continue to put it on hold for any reason they can find. The complaints team work in the same department so never really investigate your complaints properly and I am now going through the ombudsman. The issues I have had have... (read more)
Written on: 09/12/2012 by DRWSOM (1 review written)
We recently had a leak under our dishwasher which on calling out a repair company confirmed this. we did notice some marks on the flooring prior to this however, thought that somthing had been spilt onto it. their are 7, of us living in the hose and it did not accrue to any of us that it was a leak. To cut a long story short, we have a full singing and dancing policy including a accedential damage,however Lloyds Tsb sent around one of their assors who was quite frankly very... (read more)
Written on: 21/11/2012 by stemar1 (1 review written)
Recent renewal for Buildings & Contents was £914 with LloydsTSB so I decided to check online for a cheaper quote. I've been quoted £226 including optional extras like accidental & legal. Absolute rip off - still waiting for a response from LloydsTSB as I've requested a refund. Nearly £700 cheaper online Be warned - never believe that your renewal quote is the cheapest on offer. (read more)
Written on: 30/10/2012
I was burgled a few month back, i have been waiting for their assessment team to value 6 items of jewellery i had stolen. first i had to wait for LMG to do the valuations on my items,then it was referred to the assessment team at Lloyds tsb,after nearly 4 weeks of waiting for someone to conatct me a rang for the 6th time, only to be quizzed about when i took my policy out.I was then told that i had given false information about a previous burglary and that Lloyds tsb would never had insured... (read more)
Written on: 29/10/2012
Being a "big" name I thought I would be safe with TSB, banked with them for over 50 years. I have solid fuel central heating and have my metal chimney flue liner swept and tested for leaks every year. In September of 2012, it had failed a safety test and needed replacing. Under law, to continue using the solid fuel boiler, I had to have the work done and of course for my own well being!. As this is a part of my house, an essential item, not a luxury or a fancy piece of decor, I assumed a... (read more)
Written on: 28/10/2012
My above-neighbour leaked into flat causing the ceiling in kitchen to need complete replacement. The neighbour fully admitted liability, and admitted it took them 4 days to call a plumber to stop the leak. LloydsTSB told team to admit nothing, and now are telling me that there is no proven negligence, so rejecting the claim. Their customer service is hellish...I have called them at least a dozen times in this process, and they really do not appear to know their rear from their elbow. I... (read more)
Written on: 24/08/2012
I had a leaking water supply pipe. This is only covered if: 1. It is reported within 24 hours, 2. It is due to accidental damage. I wonder exactly how you exactly damage something accidentally when it is more than two feet underground?? They wanted me to uncover the pipe so that they cold then inspect it and see whether the damage was 'accidental' or due to wear and tear. Useless. They will never have to pay out. If you want effective cover go to Homeserve - I wish I had stayed with... (read more)
Written on: 14/08/2012 by Tigerkitten (1 review written)
After my father spent 20mins on the phone, after being cut of on more than one occassion,surprisingly enough he too was told the same as a previous writer, that the insurance wouldnt pay out. My fathers problem was that after a couple of days of severe heavy down pour of rain, the water had managed to find a way into the tv ariel which had then travelled down the ariel and into the back of his TV. The TV no longer works. After actually getting to speak with someone he was told "there was... (read more)
Written on: 25/06/2012 by Newton13
After banking with Lloyds for 25 years i decided to try their home and contents insurance. BIG mistake. After my roof and guttering was damaged by the weather and after severe weather warnings the day before i was told the wind speeds were not strong enought to cause the damage. So what did cause the damage????????? Did i climb on the roof and do it myself??? The policy was underwritten by Royal Sun Alliance and they informed that i would have to obtain a builders report and even then my... (read more)
Written on: 18/04/2012 by Simplydevine1
I wish I had read previous reviews of this company. My policy is Lloyd's TSB contents insurance, underwritten by AXA. They say you don't know your insurer until you have to make a claim and that is true. Upon making a very minor claim that could have been sorted within 20 minutes at he very most, I have spoken to 5 people across 4 teams, and yet I have still not spoken to the "other" team who is apparently handling my claim! And to add to that, I have still not given full details of my... (read more)
Written on: 14/03/2012 by DGDuncan (1 review written)
My in-laws who are now 80, took a home & contents policy over three years ago. Each year the premium has gone up and up. This time £455 for a 2 bed detached bungalow. I found out and ran an online comparison. £117 for the same cover from AA (part of Lloyds group), £158 from Halifax (part of Lloyds group) and £142 from TSB !. The last two included a £50 cash back but only for new customers. They obviously do not care about long term existing customers (mother in law has banked with them... (read more)
Written on: 25/01/2012
made a claim on 16/10/2011 as my home was burgled and everything was stolen rang llyods tsb took them 3 weeks to send a loss aduster round which told me that my claim should be settled now within a few days. waited a couple more days then rang them to see what was happening, for them then to tell me they will need a full copy of the police report before they can settle the claim. ( why they didnt tell me at the start of claim i dont know). they said a letter was in the post for me to sign to... (read more)
Written on: 19/01/2012 by bociany (2 reviews written)
I have taken home insurance ( offered in branch with mortgage) but havent received any ducumnets.I then rung them and went twice to branch so they rung for me and I eplxained I am still waiting for my terms and conditions. 1 month after still have not received it so I rung them to cancel immediately. Then I received letter to my home addres ( I tought its my insurance documents.Wrong !) that cannot cancel stright away as per their terms and conditions ( which I have never received) . They... (read more)
Written on: 15/09/2011
Our home insurance was due at the end of September 2011. We were quite shocked at the amount shown on the renewal - nearly £450, we live in a two up/two down end terraced house in North Manchester. When we called them to see why it had gone up so much, they replied that they had something on their system about an occurance earlier in the year. I explained the only claim we made was just short of two years previous, claiming £118 for broken fencing caused by youths attempting to steal a... (read more)
Written on: 13/09/2011 by binrippedoff
DO NOT USE TSB for insurance for house i am having to sell my house or it will be repossed as i can not live in my home because a burst pipe destroyed my home and i had to go into hotels for 2 months then into a rented house 10 months later lloyds tsb are saying that i never lived at my house i have had hours and hours of interigation from tsb only to be called a lier and fraudstr i can not afford to pay for the repairs and if i do not sell my home now i will lose it i also have my morgage... (read more)
Written on: 07/09/2011 by tonyflook
I am tempted to take out my buildings and contents cover with Lloyds, who seem to be offering a better price than my existing provider, together with a discount for buying online plus an introductory offer. I am deterred due to three totally negative reviews, all relatively recent. However, I do not have a criminal record (however irrelevant that might be to the claim made by one reviewer) and have not changed home in 40 years which was used as an excuse given to another so hope that, in... (read more)
Written on: 28/04/2011 by maz scott (1 review written)
DAY 1 - NOT OPEN
DAY 2 - CALL LLOYDS TSB WITH CLAIM FOR ACCIDENTAL COVER THEY SAY AFTER TAKING INFORMATION "WE WILL CALL YOU BACK TOMMORROW OUR SYSTEM IS DOWN"
DAY 3 - NO RESPONSE, CALLED LLOYDS AGAIN AFTER REPEATING INFORMATION RE:CLAIM THEY SAY SOMEBODY WILL CALL YOU IN 1 HOUR, THEY NEVER
DAY 4 - CALL LLOYDS TSB YET AGAIN NOW THEY WANT TO DO THERE USUAL DIRTY DIGGING SO THEY CAN TELL YOU WHY THEY ARNT GOING TO PAY YOU, OH AND THE PATHETIC REASON "YOU HAVE A CRIMINAL... (read more)
Written on: 04/04/2011
I have been banking with Lloyds TSB for 17 years. When I jointly bought my first home in 1996 I had contents insurance with them.
In 2000 I moved into rented accommodation, called Lloyds TSB Insurance and gave them my new address and details to swap the policy. I stupidly failed to notice the lack of renewal letters (in fairness I was in my early twenties and didn't know much about it, the direct debit was still active so I paid no attention).
When my exp and I sold the house years later I... (read more)
Written on: 21/03/2011
Lloyds did everything they could to deny my claim and not pay out despite it being a genuine claim.
They made it so difficult, I nearly gave up.
I was also made to wait a really long time on various phone calls to them.
They did not communicate with me.
My building and contents insurance will be moving to another company when the renewal date comes up. (read more)
Written on: 18/02/2011 by piero papaleo (1 review written)
terrible!!!! they have been our worste nightmare for weeks (read more)
Written on: 10/02/2011
Two claims, both not allowed.
Net results were a third world bathroom (when I got tired of squatting over a bucket things were eventually addressed by a friendly neighbour) -the Insurance claim was disallowed because I'd been in hospital for months (leaving the house empty) and had neglected to fill in the claim form, distracted by other stuff at the A&E.
SecondlY a water stained ceiling over the stairs. In the latter case the nominated "Emergency Plumber" shrugged his shoulders and said it... (read more)
Written on: 03/02/2011 by ped160 (1 review written)
I Have been with Lloyds for about 25 years banking, 18 with my mortgage and most of that time with my insurance, i suffered a break-in 3 weeks ago and a number of items were stolen, this was reported to the police who came out within 30mins and have been really good which is more than i can say about Lloyds home and contents!
I have been spoken to( I feel )like a criminal, they have no compassion and every time i need to talk to them i come off the phone feeling as if i have done something... (read more)
Written on: 23/01/2011
No-one in Emergency Claims talks to Lloyds TSB Claims Dept., who in turn do not return your calls. They say they called you but not true, they back-date letters to look better, but post would have taken nearly three weeks to arrive! They cant cope with claims in bad weather - what a joke of a company. (read more)
Written on: 12/01/2011 by AlbertAlasiusAsher (1 review written)
We suffered earthquake damage in February 2008 but I did not claim until 6 months later because I had not realised we were covered. The claim was handled without delay and the damage corrected by local companies that I had been allowed to select. I have no complaints at all, only praise, about the way the whole incident was dealt with. (read more)
Written on: 06/01/2011
Put in a claim for a stolen item. Gave them all the information and was told they would contact me within 5 days. Received a letter indicating they would contact me in another 5 days. Called back and they told me that the claim has been denied because I did not give them a Police Report (though they had the claim number) and that they couldn't cover it because the police did not visit my house. Rang police, they laughed and said they never visit anyones house for stolen items. Why would... (read more)
Written on: 22/12/2010
As below - asolutely appauling - DO NOT USE!!!! My terminally ill mother is currently in hospital, went in last week. Between myself and her friends had been checking on her house, yesterday to discover a pipe had burst - basically water was pouring from the attic right down to the downstairs. Immediately called her emergency policy number (lloyds), explained the situation and they could not speak to me as I was not the policy holder! I called my own plumber in, as the water needed to be... (read more)
Written on: 18/11/2010
I have today made a Formal Complaint to Lloyds TSB Insurance on discovering that due to repeated cockups and errors I have been left uninsured! This despite an e-mail confirming that my policies were in place and premium paid.
Be very careful before using this company they may be out of control following other Lloyds debacles. (read more)
Written on: 23/08/2010
Made an accidental damage claim, had to appoint and pay for my own report to send to them. Lllods referred me to comet who took 3 weeks to send a report to me as they kept sending this to the wrong address.
It took that long that lloyds recommended I purchase another report from somewhere else.
Once submitted I had to provide estimates, which I did that day.
It then takes Lloyds 5 WORKING DAYS to review each correspondence, a week later it was referred to EVS Evander Validation Services... (read more)
Written on: 06/08/2010
DO NOT I REPEAT DO NOT USE, THEY DO NOT PAY OUT ON GEN CLAIMS.
Never made a claim after paying for years of insurance then told sorry your not covered. (read more)
Written on: 19/07/2010
Buildings and contents insured through TSB. We had a ceiling fall down due to a radiator leak. It happened over the weekend so contacted the out of hours who said they would contact us within 48 hrs, but they didn't.
There is no communication between the out of hours and the in hours dept
and no record of the orriginal claim.
Very poor customer service wich also included several untruths (we can't make external calls then that person calling me back)
I have the distinct impression that it... (read more)
Written on: 07/07/2010
Had buildings insurance, made a claim which they registered. Waited for them to move it forward. Waited, waited, waited....a couple of months later i phoned to see how claim was going. They said as i hadnt 'chased' the claim, they have cancelled it. Although they admitted they should have contacted me, they didnt so my claim had lapsed.!!! Even though they took premium payments, they would not follow up my claim. NO notifications or anything... just , tough your claim has lapsed simple.... (read more)
Written on: 07/07/2010
I have banked with TSB for over 15 years and had insurance cover for most of that time never claimed once, until now! Cannot believe how bad they are DONT USE EVER!!! The stress this claim has caused is not worth the trauma I have been through. I wish I had read the reviews before I took out insurance with them. 10 weeks on I am still awaiting a part for an accidental damage claim with no sign of a a resolution They are a gang of pirates who will use any excuse not to pay up but are much... (read more)
Written on: 30/05/2010
Lloyds took 7 weeks to send their Loss Adjuster to my storm damage and then they denied my claim on a ridiculous point which I have proven to be incorrect with written proof from professional witnesses. Now Lloyds tell me I have to wait 8 weeks for their response to my complaint. It is almost as if they like making your life difficult and having already taken 7 weeks to send the Loss Adjuster ..... how very dare they then suggest taking another 8 weeks to respond to my complaint. ... (read more)
Written on: 19/05/2010
I've tried to make a claim twice but have given up because they are so inept and I considered it was worth paying independently to get the work done quickly. All they are capable of doing properly is taking the monthly premiums.
Written on: 20/01/2010 by norma wright (1 review written)
INSURANCE FOR STORM DAMAGE TO GARAGE ROOF AND CENTRAL HEATING BOILER.REFUSED AFTER LOSS AJUSTER RECOMMENDED BOILER NEEDED RENEWING
3 GAS ENGINEERS TRIED TO MEND AND SAID IT WAS NOT REPAIRABLE.STILL REFUSED BY INSURANCE. THE BOILER WAS 2YRS OLD. WE ARE BOTH PENSIONERS AND HAVE BEEN WITHOUY HEATING SINCE OCTOBER, THE WORST WEATHER WE HAVE HAD.I WOULD HAVE LIKED TO KNOW THERE ARE AGE RESTICTIONS ON ROOF INSURANCE AND WHAT REDRESS WE HAVE GIVEN SUCH BAD SERVICE. (read more)
Written on: 16/12/2009
Keep away from these pirates.
I tried to claim for a leaky roof. They checked their 'storm report' and wouldn't pay. Their excuse: 'its wear and tear' and not covered. Since when do you get wear and tear on a roof!? The supervisor was intolerably rude and aggressive. Don't want to give them ANY stars! (read more)
Written on: 28/04/2009 by craigm1
My claim was not answered for 5 months, despite approving claim, then Lloyds TSB Home Insurance changed wording in the policy as to water damage create by storm will not cover. Took all photos and repair receipts, they sent loss adjuster after 6 months, again damage claim was refused. (read more)
Written on: 28/11/2008 by JTK (2 reviews written)
After suffering some roof storm damage in early November I contacted LTSB to get assistance from their Emergency Homeline. What an abysmal waste of time that was! After usual call centre telephone maze and interminable piped music I was finally advised to call a local roofing contractor!
After, getting a quote from a local firm and contacting the storms claim team after another 30 minute phone call, I was advised that there where storms in my area which could have caused the roof damage, but... (read more)
Written on: 21/06/2008 by savvieboyblue (4 reviews written)
I've just switched my insurance to a brand new Personal Home Plan from lloyds TSB which is aimed at people who want to tailor their cover to their needs and avoid paying for cover they don't need. I saved £60, but more importantly now have cover that is really tailored to my needs. This product is different from others in a number of very good ways :
- they offer up to 50% no claims discount for customers with up to 10 years without a claim. 50% is market leading.
- they ofeer the option to... (read more)
Written on: 10/05/2008 by savvieboyblue (4 reviews written)
I've held home insurance with these guys for seven years and made two claims in that time, both of which were dealt with, really well. On one occasion I lost slates from my roof and they paid up on the same call that I reported it by paying the money straight into my account. On another occasion I used the builders that they recommended who were very good and no delays. (read more)
As rated by real users
"The Worst Experience Of My Life" Read More
"Great service" Read More
"Don't use this company" Read More
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"THE Worst Insurer - avoid at a..." Read More