Home Insurance

Building and contents insurance: for whatever life brings

Protect your home and personal belongings with buildings and contents insurance. Underwritten by LV=.

What you'll get with LV= home insurance cover:

LV= logo
  • Quick quote - get a quote in five questions.

  • No interest charged when paying by monthly instalments. 

  • UK Call lines are open 24/7, 365 days of the year

  • LV= is an award-winning, well established insurer with over 7 million customers in the UK. 

  • Home Cover Extra has Home Emergency and Accidental Damage cover included as standard. 

Choose a policy

Start with buildings, contents or a combined building and contents policy. Choose from Everyday Cover or Home Cover Extra and buy optional cover if you need it - like accidental damage, home emergency, legal protection and more.

Defaqto Star Ratings 

Everyday Home Cover is Defaqto 3 Star rated.

Home Cover Extra is Defaqto 5 Star rated.

Defaqto logo 3 Star Rated Defaqto 5 Star Rated
What’s insured Everyday Home Cover Home Cover Extra
Buildings Cover Up to £1,000,000 Up to £1,000,000
Quote Validity Period 90 Days 90 Days
Accidental Damage Cover Optional Included*
Home Emergency Cover Optional Included*
Loss of rent and alternative accommodation Up to £25,000 Up to £50,000
Trace and Access Not covered Up to £5,000
Loss or theft of keys Up to £750 Included*

Included* = Up to buildings sum insured

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 £15,000 Up to £25,000
Freezer contents Up to £500 Up to £1,000
Theft from outbuildings Up to £1,000 Covered
Contents in garden Not covered Up to £2,500
Plants in garden Not covered Up to £2,500

Get a quote

To get a quote and apply for The Co-operative Bank Home Cover, please tick the box below and you will be transferred to LV='s website.

To provide you with a quote our partner will ask you to give them some personal information. Their Terms and Conditions, Privacy Notice and Cookie Policy differ from the Co-operative Bank’s.

To continue, confirm that you:

understand the above.
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You'll now leave the Co-operative Bank website and go to LV='s website.

Go to SmartQuote

Retrieve a quote

Quotes are valid for 90 days. To retrieve your quote you'll need to Register or Log In to My Account. If you're registering to My Account for the first time, you'll need:

  • Your quote reference number
  • Your postcode
  • Your date of birth

Existing LV= home insurance 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 'My Insurance' portal.

Go to My Insurance Portal

Contact details for any claims and policy changes for LV= customers

For general enquiries, call Home Insurance Telephone Support: 0800 756 8901

Mid-term Adjustments

If you'd like to adjust or amend your existing policy, please call 0800 756 8901

Lines are open 8am-8pm Monday-Thursday, 8am-6pm Friday, 9am-5pm Saturday and closed on Sunday and Bank Holidays. Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Calls may be recorded and monitored

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: 0800 032 3011

Home Emergency claims:

Everyday Home Cover 0800 028 5407

Home Cover Extra 0800 028 5407

Legal Expenses claims: 0800 028 5411

Call charges.

Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Calls may be recorded and monitored

Before you call:

  • report the incident to the police (if applicable).
  • check whether you're covered (see the policy documents below).
  • gather information including the policy number, date and time of loss or damage, and the police loss report number or crime number (if applicable).

Existing Fairmead home insurance customers

If you are a Co-operative Bank customer and have previously purchased an Everyday Home Cover or Home Cover Extra policy with Fairmead Insurance Limited (renamed from Legal & General Insurance Limited), part of the Liverpool Victoria General Insurance Group, you can access all documents through the link below.

Go to My Insurance Portal

Contact details for any claims and policy changes for Fairmead customers

For general enquiries and mid-term adjustments, call Home Insurance Telephone Support: 0370 060 0014

Lines are open Monday to Thursday 8am to 8pm, Friday 8am to 6pm, and Saturday 9am to 5pm. Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Calls may be recorded and monitored

Making a Claim

Fairmead Insurance Limited has given LV= delegated authority to manage its claims. You’ll receive the same high level of care from the claims team that you’d expect, but when you contact us we’ll use the LV= brand.

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.

Call charges will vary for 03 numbers. Calls to 0800 numbers are free from landlines and mobiles from the UK. Calls may be recorded and monitored

Before you call:

  • report the incident to the police (if applicable).
  • check whether you're covered (see the policy documents below).
  • gather information including the policy number, date and time of loss or damage, and the police loss report number or crime number (if applicable).

    Policy Excess

    Your chosen excess will apply on each claim (minimum £100). For escape of water claims £350 excess will apply unless higher Policy excess chosen. 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.

    About LV=

    The Co-operative Bank acts as an intermediary to LV= for Home Insurance.

    This means that:

    • We deal exclusively with LV= for your policy.
    • By choosing to get a quote, retrieve a quote or log into your online account you’ll be redirected to the LV= website portal.
    • LV= will provide The Co-operative Bank with information about the type of policy you purchase. We use this to make sure any future marketing we send to you is relevant - and only if you’ve consented to marketing.
    • The Co-operative Bank receive commission from LV= on all home insurance policies purchased by bank customers via this website.
    • You will not receive advice or any recommendation from The Co-operative Bank or LV= on this arrangement.

    Learn more about our terms and services with LV=.

    LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria General Insurance Group of companies. Liverpool Victoria Insurance Company Limited, registered in England and Wales number: 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number: 202965. Registered address: 57 Ladymead, Guildford, Surrey, GU1 1DB. Tel. 0330 1239970.

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