Lloyds Home Insurance Contact Number: Lines & Hours

The Lloyds home insurance contact number for general policy queries is 0345 300 5177, open Monday to Friday 8am to 6pm and Saturday 9am to 1pm (Lloyds Bank, page updated 3 October 2026). Lloyds runs separate lines for claims, cancellation and payment difficulties, so the number you need depends on what you are calling about.

Lloyds Bank home insurance is underwritten and administered through Lloyds Bank General Insurance arrangements, with some services provided by Allianz. If you are shopping around rather than calling an existing insurer, it helps to understand your sum insured, excess and exclusions before you compare. Free Price Compare checks combined buildings and contents cover from a panel of 42 providers, so you can line up Lloyds against the wider market.

Last updated: October 2026

Written by the Free Price Compare editorial team | Reviewed October 2026

Which Lloyds home insurance number should I call?

The right Lloyds home insurance contact number depends on your reason for calling, because Lloyds Bank lists different lines for policy queries, claims, cancellation and payment problems. For most everyday questions about an existing policy, call 0345 300 5177, open Monday to Friday 8am to 6pm and Saturday 9am to 1pm (Lloyds Bank, page updated 3 October 2026).

There is no single universal Lloyds home insurance number. Using the correct line first time saves being transferred, and it also means you reach the team that can actually see your policy or claim. The table below sets out the verified numbers and when the lines are open.

Figures are indicative and may change. Call charges depend on your phone tariff; Lloyds does not confirm these are free-to-call numbers, so check with your provider if you are unsure. Always confirm the latest number on your own policy paperwork or the official Lloyds Bank website before calling.

If you want to compare Lloyds against other insurers’ contact and claims setups, our guide to the AA home insurance contact number and all lines follows the same format.

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How do I make a home insurance claim with Lloyds?

You can make a Lloyds home insurance claim online or by phone, 24 hours a day. Lloyds Bank states that an emergency claims helpline is available around the clock, and the specific number is printed on your policy documents (Lloyds Bank, page updated 2 October 2026).

Have your policy number, details of what happened and any supporting evidence ready before you start. For damage, photographs taken before you move or clear anything away strengthen your claim. For theft or attempted break-ins, you will usually need a crime reference number from the police.

• Find your policy number on your schedule or renewal letter.
• Record the date, time and cause of the loss or damage.
• Take photos and keep receipts or valuations for damaged items.
• For an emergency at home, use the 24-hour line on your documents.
• For non-urgent claims, the online route is open 24 hours a day.

A common frustration raised by homeowners is a claim being disputed or an insurer wanting to end a policy mid-claim. If that happens with any insurer and you cannot resolve it directly, you can escalate to the Financial Ombudsman Service after you receive a final response. For a plain-English run-through of the process, our home insurance FAQs answered cover the common sticking points.

Who is my home insurance actually with?

Lloyds Bank home insurance is arranged through Lloyds Bank General Insurance Services, with underwriting and some services provided by partner insurers including Allianz. If you see a direct debit to “Lloyds Bank General Insurance” or “Lloyds Bank Insurance Services (LBIS)”, that is the entity administering your home cover.

Checking who holds your policy matters for two reasons. First, it tells you which brand to contact for claims and renewals. Second, it confirms your protection under the Financial Services Compensation Scheme and your right to complain to the Financial Ombudsman Service if something goes wrong. Lloyds Bank is authorised and regulated by the Financial Conduct Authority (FCA).

If you cannot place a small insurance direct debit, call the general line on 0345 300 5177 and ask them to identify the policy it relates to. Do not cancel the direct debit before you know what cover it funds, because stopping it could leave your home uninsured.

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What cover levels does Lloyds home insurance offer?

Lloyds Home Insurance Select comes in three tiers, Bronze, Silver and Gold, each with rising contents limits and features (Lloyds Bank, page updated 2 October 2026). Buildings cover is set at the full rebuild cost across all three tiers, and homeowner’s legal responsibility is covered up to £2 million on each.

Figures are indicative and may change (Lloyds Bank, pages updated 2-4 October 2026). Lloyds also describes Lloyds Home Insurance and Lloyds Home Insurance Premier, with Premier offering higher limits and extra cover as standard. Home Insurance Select is available directly from Lloyds rather than through comparison sites, so you would quote for it on the Lloyds Bank website.

Sum insured is the maximum your insurer will pay out, and getting it right matters more than the headline price. For buildings, insure the rebuild cost, not the market value. For contents, add up what it would cost to replace everything in your home. Under-insuring can lead to a reduced payout at claim time. For a fuller breakdown of tiers and pricing, see our dedicated guide to Lloyds home insurance cover, excess and costs.

What excess will I pay and how does it work?

A home insurance excess is the amount you agree to pay towards a claim before your insurer covers the rest. With Lloyds, you can choose a voluntary excess between £100 and £500 (Lloyds Bank, pages updated 3-4 October 2026), on top of any compulsory excess that applies to specific claim types such as subsidence.

Choosing a higher excess usually lowers your premium, but it means paying more out of pocket if you claim. Pick an amount you could comfortably cover in an emergency. For a £150 claim, a £300 excess would mean you receive nothing, so set the excess against the kinds of claims you are realistically likely to make.

Watch the exclusions too. Gradual problems such as damp, wear and tear, and some rot claims are commonly excluded or disputed across the market, because insurance covers sudden, unexpected events rather than deterioration over time. Read the policy wording on what counts as accidental versus gradual damage before you buy.

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How do I cancel or manage my Lloyds renewal?

To cancel a Lloyds home insurance policy, call the cancellation line on 0345 641 9741 (Lloyds Bank, page updated 8 October 2026). Lloyds also lists an email route for cancellation-related contact on its cancellation page. Confirm the current contact details on your own documents before acting.

Lloyds policies normally renew automatically each year unless you have asked them not to, and your renewal price and cover are sent a few weeks before the renewal date (Lloyds Bank, page updated 5 October 2026). You get a 14-day cancellation period after renewal, with a full premium refund as long as you have not made a claim.

If your renewal quote jumps, as many homeowners report, that is the moment to shop around rather than auto-renew. A rise from one year to the next is common, but it is rarely a reason to stay without checking the market first. Comparing like-for-like cover, matching the sum insured and excess, usually reveals whether the renewal is competitive.

• Note your renewal date and read the new price and cover carefully.
• Compare the same cover level and excess elsewhere before deciding.
• Use the 14-day post-renewal window if you find better value.
• Only cancel a direct debit once you have new cover in place.

If customer service quality matters to you as much as price, it is worth comparing how different insurers handle claims and phone support. Our guides to the Churchill home insurance cover levels and others let you weigh features side by side.

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Information correct as of 13 October 2026. Prices, tariffs, policy details and providers change frequently, so please check the latest details before making a decision. This article is for general information only and does not constitute financial advice. Free Price Compare is authorised and regulated by the Financial Conduct Authority (FCA).