DON'T BUY LLOYDS BANK HOME INSURANCE - where are these "good" ratings coming from? Took one whole hour to get a quote and another half hour NOT to take out insurance. The operator kept telling me they were "regulated" and kept reading me long repetative scripts about items that did not apply to me. However many times I said they did not apply to me, she still insisted she had to read everything to me. When I changed to a manager, he did the same. If they are this bad before purchase, what are they going to be like in the event of a claim. All this is compatable with general Lloyds Bank inefficiency. Strongly suggest you stay away - do not consider taking out insurance with this organisation unless you have time to waste.