Lloyds TSB insurance is offered by the Lloyds TSB banking brand, which was created in 1995 as a result of the merger between TSB Bank and Lloyds Bank. A Lloyds TSB insurance policy can be acquired through post or over the phone/Internet. It can also be purchased at a Lloyds TSB branch.
Lloyds TSB Insurance Options
Home Insurance
The standard home insurance policy encompasses cover for damage of the home and its contents due to natural causes or vandalism. It also includes:
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Cover for personal cash and credit cards up to £500.
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Cover for contents outside the home, but within the boundary, of up to £1,000.
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Alternative accommodation expenses and/or loss of rent, to a maximum of 20% of the building insurance value.
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Surveyors and architects hired due to damage to the property.
Car Insurance
Lloyds TSB car insurance can be acquired for a comprehensive cover or for only a third party liability cover. Some standard features of the cover are:
· A new replacement car in exchange for the written off car, provided it was not older than one year.
· No claims bonus, up to 65%.
· European cover for 90 days.
· Courtesy car during the time your car is being repaired by an approved dealer.
Pet Insurance
Restricted to dogs and cats, Lloyds TSB pet insurance covers:
· Medical conditions, up to £3,000 per condition for a maximum of 12 months following the first treatment.
· Advertising and rewards costs, up to £1,000, to find a missing pet.
· Theft or loss, up to £500, is unreturned within 45 days,
· Emergency kennel accommodation, up to £750, if the owner is hospitalized for more than four consecutive days.
· Cancellation of trip because of the pet, up to £3,000.
Travel Insurance
A standard Lloyds TSB travel insurance cover includes:
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Free travel information.
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Trip cancellation and rescheduling, up to £5,000.
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Emergency medical treatment and return trip expenses, up to £5,000,000.
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Lost baggage, up to £1,500.
One can opt for additional travel insurance cover for winter sports and golf equipment.
Student Insurance
Standard student insurance can be acquired for room possessions, when living in residence hall, student flat or even shared house. It covers:
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Walk-in theft.
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University property taken on loan, including books, for up to £500.
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Desktop PC.
A student can also apply for additional cover for laptops and other portable equipment up to £4,000 per item for a maximum of £5,000.
Besides these, Lloyds TSB insurance can be acquired by businesses to cover contractor, shop, office and commercial van.