Like any insurance company there are good and bad points to Lloyd's TSB home insurance plans. It all depends on what you're looking for. However with Lloyd's plans they have several different opportunities for you to choose from.
Lloyd's TSB is a bank originally supplying insurance plans in the United Kingdom. Since then it has expanded to cover most of the globe. Lloyd's offers a variety of services including mortgages. Lloyd's TBS has made it very easy to compare up to 11 insurance companies that cater to homeowners. They also make it easier than most insurance companies by offering free monthly interest payments.
Lloyd's TBS also offers up to 30% no claims discounts if you switch lenders to one of their policies. This means that you can save by switching if you've had no claim against you during this time. They also have an excellent online website which helps you to buy at a premium discount. On this site you also have 24-hour access to their helpline. These are all very important points when looking for homeowner's insurance that can benefit you in a 24/7 situation. They also have personal claims consultants, which will help you on a one-on-one basis over the phone on any policy matters.
As mentioned before, they offer a variety of plans from several different companies. The choices are a number of leading home insurance providers in the industry. They also offer excellent discounts if you will combined your different insurance policies into a bundle plan. This will save you money on, not only your home but, your vehicles, emergency, and legal expenses if need be.
All of this is what you should look for in a homeowner's insurance policy. With the Internet it is easy to check on their websitem as well as many independent review sites. You will find that they have good reviews as well as bad reviews on their service. This can happen with any company, but let's take a look at what some of the reviews have to say.
One review, for example, states that they had suffered home damage from an earthquake and didn't realize they were covered by their Lloyd's TBS homeowner's policy until six months after the disaster. When it was discovered that they were actually covered for earthquake damage they immediately filed. According to their experience with Lloyd's TBS homeowner's insurance their claim was handled without delay, and the problem was corrected by the company they had selected to join through Lloyds.
However, you will also find reviews that will tell you of instances where there have been delays in processing their insurance needs such as, no follow-through in claims and errors in paperwork. When you are dealing with several different companies such as Lloyd's TBS does this can be a problem. What you must do is make sure that your questions are pointed when you ask for their advice on the most competent companies to serve you. Do your research on the Internet. Find reviews that are independent of Lloyd's TBS homeowner's policies and have your questions ready when you finally make contact with a Lloyd's TBS representative. In this way, you should have a personalized type of service through this very dependable company. Likewise, with their 24-hour online service, you should be able to feel confident that all your needs are taken care of. With Lloyd's TBS as one of the number one centers for insurance needs you should receive satisfaction.
Again keep in mind that, as with any type of insurance policy, you'll find the good with the bad. You alone must decide what will work for you in your situation. Ask pertinent questions and be very straightforward with your concerns. In this way, Lloyd's TBS homeowner's insurance agents can help you and guide you to the best company for your needs. By checking out independent reviews, as well going to Lloyd's TBS home insurance policy website, you will be able to decide if this is the right fit for you. Your research should include the types of insurance policies that are offered, and then a follow-up phone call to see if this is the type of organization that will provide for your needs.