Barclays Bank Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Barclays Bank 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 Barclays Bank 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 Barclays Bank 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 Barclays Bank’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,8 Safe overall rating for Barclays Bank

Safe ratingOur opinion
Customer service & satisfaction
and claims

5 stars rating by Defaqto for both standard and Premium home insurance
Winner of customer trust and customer service award 3 years in a row
97% of claims paid in 2019

Cover provided for your home

No maximum sum insured limit for building and contents insurance
High compensation limits in overall
Standard excess of £200

Value for money

No charges on monthly payments
No administrative fees (adjustments, payment default, cancellation fees of £0)
Discount if you buy combined building and contents insurance
Barclays Blue Reward card available to any customers
Switching fees paid
NCD available

Financial strength

Home insurance underwritten by Aviva Insurance limited

Technology

MyPolicy customer portal
100% claim process available
Facebook messenger and Twitter help support
Well documented website

Safe rating for Barclays Bank home insurance

Expert and customer satisfaction reviews for Barclays Bank home insurance

Review organisationBarclays Bank home insurance reviews

Defaqto expert

Standard: 5 stars
Premium: 5 stars

Smartmoneypeople4,1/5 based on 23 opinions
Which? Score

76% for building insurance
72% for contents insurance

Consumer satisfaction rates on reviews for Barclays Bank home insurance

Our general opinion on Barclays Bank home insurance

Barclays is one of the leading banking group in the UK. The company offers a wide variety of financial and insurance products including personal loans, car, home and travel insurance, credit cards, current accounts etc.
The home insurance policy from Barclays is underwritten by Aviva Insurance Limited.

The company provides 2 levels of cover: standard and Premium, both rated 5 stars by Defaqto expert rating.
Even the standard level always ranks very high among other home insurance policies. Building and contents maximum sum insured are unlimited. The owner’s liability limit reaches £5M.

The standard contents insurance provides unlimited cover for items kepts in outbuildings.

What does Barclays Bank 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 Barclays Bank 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 Barclays Bank covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Barclays Bank buildings and contents insurance

Barclays Bank 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.

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.

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:

Barclays Bank building insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£5 000 000

Alternative emergency accomodation

£100 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Available as extra

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

Barclays Bank building insurance

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 insuranceLimits
Maximum sum insured

Unlimited

Owner liability

£5 000 000

Alternative emergency accomodation

£19 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£3000 for theft and unlimited for damage

Contents kept in outbuildings (garage included)

Unlimited

Thefts from outbuildings

£3 000

Single item limit for valuables

£2 000

Items temporarily removed from home

Not covered

Money in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£500


Outside:

£500 (under personal possessions cover – optional extra)

Business equipment kept at home

Unlimited

Student equipment

£20 000

Keys cover

£1 000

Barclays Bank contents insurance

Barclays Bank home insurance additional cover

On top of your Barclays Bank buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £1000 per call out
  • No limit for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1 000 for boiler repair
  • Up to £750 for boiler replacement
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £20 000 for personal possessions cover at home
  • Up to £20 000 for single item limit away from home
  • Up to £1 500 limit for personal possessions kept in a car
Mobile cover
  • Optional extra
  • Up to £10 000 limit
Bicycle cover
  • Optional extra
  • Up to £5 000 limit

Barclays Bank 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£200
Excess for escape water claims£0
Excess for subsidence claims£1 000
Excess for personal possessions£200
Excess for keys£200
Barclays Bank home insurance main excess

Barclays Bank home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Barclays Bank fees are as follows:

Fees applied to manage your Barclays Bankhouse policy
Interests on payment installments0,00%
To renew my policy£0
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to Barclays BankRefund of real cancellation fees
Home insurance fees at Barclays Bank

How much does Barclays Bank home insurance cost?

You will below indicative quotes for building and contents insurance at Barclays Bank:

Building insuranceContents insurance
Excess£200£200
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£164,54£322,86
Home insurance quotes at Barclays Bank

It is very difficult to give a precise range of how much exactly will your home insurance cost at Barclays Bank 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.

Barclays Bank 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.

Barclays Bank home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Barclays Bank home insurance?

You can report a claim on your Barclays home insurance through different ways:

  • by calling the claim management team available 24/7
  • Through the MyPolicy section of the company’s website
  • Through the online form.

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 Barclays Bank home insurance?
Claim online
  • You can report a home insurance claim online through MyPolicy customer portal if your policy numbers starts by MHO, MPH or IQU. One of the claim manager of Barclays will contact you within 2 working days, between Monday and Friday 8am and 6pm.

  • If you are not registered on My Policy, you can use the claim form online

Claim by phone

0800 027 9844
Claims line available 24/7.

How to claim on my home insurance at Barclays Bank

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Barclays Bank house insurance?

To cancel your Barclays Bank house insurance, here is what you need to know: 

Cancelling your home insurance at Barclays Bank
Cancellation notice if Barclays Bank cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel by mail

Barclays Customer Service Centre, PO Box 7463, Perth PH2 0YX

Cancel online

You can use the barclays bank online form to cancel your policy.

Cancel by phone

0800 015 0246

How to cancel my Barclays Bank home insurance

How to contact Barclays Bank home insurance?

ServicesPhone numbersOpening hours
Claims

0800 027 9844
From abroad: +44 800 0279 844

24/7

Existing policies claim

0800 015 0246
From abroad: +44 800 015 0246

Mon – Fri: 8am – 10pm
Sat: 8am – 6pm
Sun: 10am – 4pm

Home emergency

0800 027 9844

24/7

Quotes

0800 068 8097

Mon – Fri: 8am – 10pm
Sat: 8am – 6pm
Sun: 10am – 4pm

Direct Debit queries

0800 051 5244
From abroad: +44 800 051 5244

Mon – Fri: 8am – 10pm
Sat: 8am – 6pm
Sun: 10am – 4pm

How to contact Barclays Bank home insurance

Barclays Bank home insurance contact details

Barclays Bank contact details
Barclays Bank address

Barclays Customer Service Centre,
PO Box 7463, Perth PH2 0YX

Customer service email

Contact form

Chatbot available

Webchat available

Barclays Bank contact details

How do I log in to Barclays Bank customer portal?

You can log in to MyPolicy customer account at barclays by clicking here: https://insuranceportal.av.qs.online-insure.com/portal/logon
You will be able to view and download your policy documents, update your payment details, make a claim or insure new items.

MyPolicy portal is only available to customers with policy numbers that begin with MHO, IQU and MPH.

How do I get Barclays Bank home insurance quotes? 

To get a quote online at Barclays Bank, 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 Barclays Bank 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 Barclays Bank 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 Barclays Bank 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.