Bradford and Bingley 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 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 ratingOur opinion
Customer service & satisfaction
and claims

24/7 Claims Helpline
Average rating of 3 stars on Defaqto
Policy documents are only available to policyholders

Cover provided for your home

Cover for burst pipes is provided as a standard
Up to £5000 trace and access cover
45 days unoccupancy period

Value for money

No renewal fees
NCD and NCD protection is not available
29.90% APR
Discounts are not provided for combined policies

Financial strength

Bradford & Bingley are part of the BGL group
Their buildings and contents policies are underwritten by Legal and General Insurance Limited

Technology

Self service center available
24 hours claims service
Policy documents are only available when a quote has been gotten
No live chat option

Safe rating for Bradford and Bingley home insurance

Expert and customer satisfaction reviews for Bradford and Bingley home insurance

Review organisationBradford and Bingley home insurance reviews

Defaqto expert
defaqto 3 stars 1
TrustPilot1,8/5 based on 59 customer reviews
Reviews.io

2,2/5 based on 24 customer reviews

Consumer satisfaction rates on reviews for Bradford and Bingley home insurance

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.

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:

Bradford and Bingley building insuranceLimits
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

Bradford and Bingley 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

£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 homeInside:

£1 000


Outside:

£350 (optional extra – personal possessions)

Credit cards in and outside the homeInside:

£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 contents insurance

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
  • Optional extra
  • Up to £1,000 limit per call out
  • Up to £1,750 limit for emergency accommodation for up to 7 nights
Boiler cover

Not covered

Legal protection
  • Optional extra
  • Up to £50,000 for legal representation
Personal possessions
  • Optional extra
  • Up to £20,000 for personal possessions cover at home
  • Up to £1500 for single item limit away from home
  • Up to £1000 limit for personal possessions kept in a car
Mobile cover
  • Optional extra for personal possessions cover
  • Up to £20,000 limit
Bicycle cover
  • As standard
  • Up to £5,000 limit

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 main excess

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 installments29.90%
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 BingleyNot covered
Home insurance fees at Bradford and Bingley

How much does Bradford and Bingley home insurance cost?

You will below indicative quotes for building and contents insurance at Bradford and Bingley:

Building insuranceContents insurance
Excess£100 – £550£100 – £550
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£162,41£318,67
Home insurance quotes at Bradford and Bingley

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

How to claim on my home insurance at Bradford and Bingley

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 policy7 days
Cancellation feesFees during cooling-off period: £25
Fees outside cooling-off period: £35
Cancel by phone

0871 244 4908

How to cancel my Bradford and Bingley home insurance

How to contact Bradford and Bingley home insurance?

ServicesPhone numbersOpening hours
Quotes

0330 018 3022

Mon-Fri: 8.00am – 9.00pm
Sat: 9.00am to 5.00pm

Claims

0344 412 2152

24/7

Complaints

08705 845 050

Monday to Friday 9am to 5pm

Cancellation

0871 244 4908

Mon – Fri 8am – 8pm
Saturday 9am – 5pm
Sunday 9:30am – 4pm

How to contact Bradford and Bingley home insurance

Bradford and Bingley home insurance contact details

Bradford and Bingley contact details
Bradford and Bingley address

Bradford and Bingley Insurance
Pegasus House
Bakewell Road
Orton Southgate
Peterborough
E2 6YS.

Customer service email

Not available

Chatbot available

Not available

Bradford and Bingley contact details

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.