Bradford and Bingley Home Insurance Review and Quotes
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Discover the methodologyWould you like to protect your home against any damage or an unfortunate event such as a house fire or theft?
Are you wondering if Bradford and Bingley is the best home insurance company to protect your house?
You’ve come to the right place.
This ultimate and up-to-date review on Bradford and Bingley home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.
Is Bradford and Bingley the best insurance company for you?
Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.
At Safe, we’ve studied in detail Bradford and Bingley's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
3,8 Safe overall rating for Bradford and Bingley
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
24/7 Claims Helpline | |
| Cover provided for your home |
Cover for burst pipes is provided as a standard | |
| Value for money |
No renewal fees | |
| Financial strength |
Bradford & Bingley are part of the BGL group | |
| Technology |
Self service center available |
Expert and customer satisfaction reviews for Bradford and Bingley home insurance
| Review organisation | Bradford and Bingley home insurance reviews |
|---|---|
Defaqto expert |  |
| TrustPilot | 1,8/5 based on 59 customer reviews |
| Reviews.io | 2,2/5 based on 24 customer reviews |
Our general opinion on Bradford and Bingley home insurance
Bradford & Bingley was acquired by BISL in 2010 and they presently offer both home and car insurance. They offer only one level of cover and both building and content insurance with the choice to combine both options.
Bradford and Bingley provide cover for burst and damaged pipes, glass breakage, home assistance, plumbing/drainage emergencies and pests. Key replacement cover of up to £1,500 is offered.
Other services like Additional Family Legal Protection are also offered as optional extras, and in this case, cover of up to £50,000 will be provided to cover for legal representation.
They have a 3 star Defaqto rating and according to Which, Bradford & Bingley scored just 49% for its buildings and contents cover, which makes them 62nd and 59th respectively out of 63 policies. Their insurance policies are recommended, however, there are better ones that can be picked.
What does Bradford and Bingley home insurance cover?
What is more important than protecting your home – the roof under which you sleep with your loved ones?
Applying for home insurance at Bradford and Bingley will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).
Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.
Home insurance at Bradford and Bingley covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
Bradford and Bingley buildings and contents insurance
Bradford and Bingley provides three main types of household insurance:
- Buildings insurance
- Contents and personal possessions insurance
- Combined policy
Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.
Good to know
If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.
Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.
Good to know
House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.
In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.
You will find below policy details for building and contents insurance:
| Bradford and Bingley building insurance | Limits |
|---|---|
| Maximum sum insured | £750 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | £15 000 |
| Period of home's unoccupancy cover | 45 days |
| Repairs guarantee period | Varies by underwriter |
| Trace and access | £5 000 |
| Burst pipe | As standard |
| Blockage of sewer pipe | Not covered |
| Gradual build-up of groundwater | Not covered |
| Subsidence | As standard |
| Underground services | As standard |
| Keys cover | £1 500 |
| Flood and storm damage (except for fences) | As standard |
Good to know
Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).
Let’s have a look now at Esure contents insurance limits:
| Contents insurance | Limits |
|---|---|
| Maximum sum insured | £75 000 |
| Owner liability | £2 000 000 |
| Alternative emergency accomodation | £7 000 |
| Period of home's unoccupancy cover | 45 days |
| Damage made by pets | Not covered |
| Contents kept in garden | £1 000 |
| Contents kept in outbuildings (garage included) | Up to £7 000 |
| Thefts from outbuildings | £2 000 |
| Single item limit for valuables | £1 500 |
| Items temporarily removed from home | Up to £7 000 (optional extra - personal possessions) |
| Money in and outside the home | Inside: £1 000 Outside: £350 (optional extra - personal possessions) |
| Credit cards in and outside the home | Inside: £500 Outside: £500 (optional extra - personal possessions) |
| Business equipment kept at home | £3 000 |
| Student equipment | £1 000 |
| Keys cover | £1 500 |
Bradford and Bingley home insurance additional cover
On top of your Bradford and Bingley buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Optional extra |
| Home emergency |
|
| Boiler cover | Not covered |
| Legal protection |
|
| Personal possessions |
|
| Mobile cover |
|
| Bicycle cover |
|
Bradford and Bingley home insurance excess
The deductible you'll have to pay in case of claims are as described below:
| For both building and contents insurance | |
|---|---|
| Excess for standard claims | £100 - £550 |
| Excess for escape water claims | £350 |
| Excess for subsidence claims | £1 000 |
| Excess for personal possessions | £100 - £550 |
| Excess for keys | £100 |
Bradford and Bingley home insurance fees and NCD
To manage your policy, renew, cancel or modify it, Bradford and Bingley fees are as follows:
| Fees applied to manage your Bradford and Bingleyhouse policy | |
|---|---|
| Interests on payment installments | 29.90% |
| To renew my policy | £0 |
| To adjust my policy | £20 |
| To duplicate documents | £0 |
| To cancel my policy during cooling-off period | £25 |
| To cancel my policy outside cooling-off period | £35 |
| For payment default | £20 |
| To switch from one insurer to Bradford and Bingley | Not covered |
How much does Bradford and Bingley home insurance cost?
You will below indicative quotes for building and contents insurance at Bradford and Bingley:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | £100 - £550 | £100 - £550 |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £162,41 | £318,67 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at Bradford and Bingley as it will mainly depend on:
- The insurance you apply for (building, contents, combined insurance, extras)
- Your address
- Your claim record
- The insured value of your home and of your personal belongings, etc.
Bradford and Bingley will establish a risk rate, taking into account all these elements, and offer you a price based on it.
The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.
Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.
Bradford and Bingley home insurance discounts available
No discount available.
How do I a claim on Bradford and Bingley home insurance?
Claims can be made via the company's 24/7 line.
You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.
| How to claim on Bradford and Bingley home insurance? | |
|---|---|
| Claim by phone | 0344 412 2152 |
Good to know
If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.
How can I cancel Bradford and Bingley house insurance?
To cancel your Bradford and Bingley house insurance, here is what you need to know:
| Cancelling your home insurance at Bradford and Bingley | |
|---|---|
| Cancellation notice if Bradford and Bingley cancel your policy | 7 days |
| Cancellation fees | Fees during cooling-off period: £25 Fees outside cooling-off period: £35 |
| Cancel by phone | 0871 244 4908 |
How to contact Bradford and Bingley home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Quotes | 0330 018 3022 | Mon-Fri: 8.00am – 9.00pm |
| Claims | 0344 412 2152 | 24/7 |
| Complaints | 08705 845 050 | Monday to Friday 9am to 5pm |
| Cancellation | 0871 244 4908 | Mon – Fri 8am – 8pm |
Bradford and Bingley home insurance contact details
| Bradford and Bingley contact details | |
|---|---|
| Bradford and Bingley address | Bradford and Bingley Insurance |
| Customer service email | Not available |
| Chatbot available | Not available |
How do I log in to Bradford and Bingley customer portal?
You can login to your account on the Homepage of the Bradford and Bingley website. Click on the "Login" option and enter your details.
How do I get Bradford and Bingley home insurance quotes?
To get a quote online at Bradford and Bingley, it couldn’t be simpler.
You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Bradford and Bingley is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.
To get Bradford and Bingley home insurance quotes, you will need to provide:
- Your personal information: ID, age, phone number and job
- Your address and postcode
- Your homeowner record (claims included)
- Your home description (type of property, the date it was built, how many square metres inside and outside)
- Your property related status: do you own it, rent it, have a mortgage on it, etc.
- Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.
The types of questions you will be asked are typically:
- Are you a first-time buyer?
- Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
- Has the property ever been damaged by flood?
- Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.
5 tips to reduce your Bradford and Bingley house insurance quote
- Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
- Increase the excess amount you are willing to pay in case you make a claim.
- Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
- Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
- Consider index-linked cover for building insurance to follow prices of building materials.
