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Home Insurance

Buildings and contents insurance

15% off* new quotes taken between 02/09/2019 and 10/11/2019. Discount doesn't apply at renewal. T&C's apply.

Unexpected events happen. Building and contents insurance makes sure your home and personal belongings are protected. Get your quick online home insurance quote and find the right level of cover for you with Legal & General home insurance.

Five questions and a quote with Legal & General SmartQuote

Get a quote Retrieve your quote
  • 52% of our Everyday Home Cover customers paid £194 or less **

  • No interest when you pay by monthly instalments

You don’t have to worry about questions such as when your home was built, or what type of locks you have. We understand that your time, just like your home, is valuable, so you can receive a quote after only five questions.

** Based on 52% of Everyday Home Cover combined building and contents customers between 1st January 2019 and 31st July 2019. Includes any additional cover selected by the customers and Insurance Premium tax.

You can choose to take out Home Cover Extra or Everyday Home Cover.

Everyday Home Cover Home Cover Extra
Moneyfacts rating Awarded 4 stars for home insurance by Moneyfacts

Moneyfacts Four Star Rated Buildings Cover

Awarded 5 stars for home insurance by Moneyfacts

Moneyfacts Five Star Rated Buildings and Contents Cover

Buildings Cover Up to £1,000,000 Up to £1,000,000
Quote Validity Period 90 Days 90 Days
Accidental Damage Cover Optional
Home Emergency Cover Optional
Loss of rent and alternative accommodation Up to £25,000 Up to £50,000
Finding and accessing water and oil leaks Up to £5,000
Loss or theft of keys Up to £500 Up to £750
Contents Cover Choice of £60,000 or £80,000 Choice of £60,000 or £80,000
Quote Validity Period 90 Days 90 Days
Alternative Accommodation Up to £10,000 Up to £15,000
Freezer contents Up to £1,000
Theft from outbuildings Up to £1,000 Up to £3,000
Contents in garden Up to £1,000
Plants in garden Up to £1,500

What cover do you need?

Home Insurance can help protect you from unexpected events like escape of water, fire, storm, floods and theft.

Legal & General offer buildings cover, contents cover or a combined buildings and contents policy.

  • A combined policy helps give you peace of mind that your property and contents are protected together
  • Buildings insurance will cover you for loss or damage to the structure of your home (including its garages and outbuildings) against insured events
  • Contents insurance will cover the contents of your property and your personal belongings against loss or damage against insured events in the home

What Home Cover Extra provides

A comprehensive level of cover for a wide range of events. It includes Accidental Damage and Home Emergency Cover as standard (tenants are not eligible for Home Emergency cover). With the option to add Personal Possessions Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

What Everyday Home Cover provides

A lower level of cover, but still includes important protection against events like fire, flood, storms, subsidence, escape of water and theft. You can choose to add additional cover like Accidental Damage, Home Emergency Cover (tenants are not eligible for Home Emergency cover), Personal Possessions Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

Policy Excess

Your chosen excess will apply on each claim (minimum £150). For escape of water claims your chosen excess plus £200 will apply. In the event of subsidence, heave or landslip, there's an excess of £1,000 under Buildings Insurance.

For more information including the exclusions and limitations that apply please read the policy documents

Existing customers

If you are a Co-operative Bank customer and have already purchased an Everyday Home Cover or Home Cover Extra policy, you can access all your important documents through the Legal & General 'My Accounts portal'.

Go to Legal & General My Account Portal

  • For general enquiries, call Legal & General Home Insurance Telephone Support: 0800 107 1346

    Lines are open Monday to Thursday 8am to 8pm, Friday 8am to 6pm, and Saturday 9am to 5pm.

    Mid-term Adjustments

    If you'd like to adjust or amend your existing Legal & General policy, please call 0370 060 0014

    Lines are open Monday to Thursday 8am to 8pm, Friday 8am to 6pm, and Saturday 9am to 5pm.

    Making a Claim

    If you'd like to make a claim on your policy, please call one of the 24/7 claim lines:

    Home Insurance claims: 0370 900 5565

    Home Emergency claims:

    Everyday Home Cover 0800 197 1699

    Home Cover Extra 0800 072 4789

    Family Legal Protection claims: 0370 050 0962

    Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Legal & General may record and monitor calls.

    Before you call:

    report the incident to the police (if applicable).

    check whether you're covered (see the policy documents above).

    gather information including the policy number, date and time of loss or damage, and the police loss report number or crime number (if applicable).

Frequently asked questions

Frequently asked questions can help you if you need more information or have any queries about your policy provided by Legal & General.

Read Home Insurance FAQs


Important information

The Co-operative Bank acts as an intermediary to Legal & General for Home Insurance, meaning we deal exclusively with Legal & General for the purpose of your policy. You will not receive advice or any recommendation from The Co-operative Bank or Legal & General on this arrangement. By choosing to get a quote, retrieve your quote or go to your Legal & General Account, you will be redirected to Legal & General, an external group to The Co-operative Bank.

Legal & General will provide The Co-operative Bank with information about the type of policy you have purchased. We will use this information to reconcile our accounts and to ensure any future marketing communications we may send you (subject to your consent) are relevant.

The Co-operative Bank will receive commission from Legal & General on Home Insurance policies purchased by Bank customers via this website

Learn more about our terms and services with Legal & General

Legal & General is a trading name of Legal & General Insurance Limited, Company registered number 423930: registered in England and Wales with registration number 202050. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

15% off *full Terms and conditions

Co-operative Bank Home Cover is provided by Legal & General. Exclusions and limitations apply in accordance with each insurance policy.

The 15% discount offer (“the Discount”) on Co-operative Bank Home Cover is subject to the underwriting criteria of Legal & General and the following terms and conditions:

1. The Discount is only available to all customers who obtain a quote for buildings and/or contents cover either on the Co-operative Bank’s website [https://www.co-operativebank.co.uk/insurance], in a Co-operative Bank branch, or over the phone.
2. The Discount will automatically be applied to all quotes for buildings and/or contents cover provided between 2nd September 2019 and 10th November 2019 when obtained either through the Co-operative Bank’s website [https://www.co-operativebank.co.uk/insurance], in a Co-operative Bank branch or over the phone. The Discount is non-transferable.
3. The Discount applies for the first year of Co-operative Bank Home cover only and will not apply upon any subsequent renewal of this.
4. Any existing customers or customers who have cancelled a [Co-operative Bank Home Cover] policy within the last 12 months will not be eligible for this offer.
5. The Discount is available to all [Co-operative Bank Home Cover] policies including any optional extras.
6. The Discount cannot be used in conjunction with any other offer.
7. The Discount will apply to changes to insurance cover that has already been taken out on or after 2nd September 2019(e.g. new number of bedrooms or changing the excess). The Discount will not apply if any new sections of cover are added to existing policies e.g. adding contents cover section to a buildings only policy.
8. No cash or other alternative available in place of the Discount.
9. Minimum premiums apply.
10. The minimum premium excludes the addition of Insurance Premium Tax (IPT).
11. The Discount can only be used once.
12. If the customer cancels their policy during the first 12 months, the refund will be calculated in accordance with the associated policy terms and conditions.
13. To the maximum extent permitted by law, The Co-operative Bank and its affiliates shall not be liable for any claims or actions of any kind whatsoever for damages or losses to persons and property, disappointment which may be sustained in connection with the Discount, using the Discount, receiving the discounted premium or any acts or omissions of its agents.
14. These terms and conditions are governed by English Law and are subject to the exclusive jurisdiction of the English courts.
15. We guarantee your quote for 90 days on the understanding that all your details are correct and do not change during such period.