Bradford & Bingley

Founded in 1964, Bradford & Bingley was a bank that collapsed during the 2008 financial crisis. After being nationalised, it was split up and sold.

The savings business is now owned by Santander, while the mortgage business remains in public ownership. Some customers still hold mortgages with the brand, but you can't take out a new mortgage loan from Bradford & Bingley.

The only part of the business that still takes on new customers under the Bradford & Bingley brand is its insurance business. This is now owned by BGL Group, which owns Budget Insurance and Compare The Market. BGL also owns Beagle Street, a newcomer in the life insurance market.

Bradford & Bingley's head offices for insurance are in Bingley, West Yorkshire.

Bradford & Bingley
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Home insurance (building and contents)

Ranked 36th of 46 providers reviewed.

Customer happiness score 53.22%
Customer trust score 53.71%
Complaints performance 73.71%
Transparency rating 61.81%
Fairer Finance score
Reviewed Autumn 2023		 61%

Home emergency cover

Bradford & Bingley

Emergency Home Assistance

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Primary Heating System i
Cover Type i Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i £1,750.00
Unoccupied period i 45
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i Unlimited

Home insurance (building and contents)

Bradford & Bingley

Home Insurance

2 stars
Alternative accommodation cover limit for buildings i 20% of the sum insured
Theft from outbuildings i £2,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i £0.00
Property owner liability i £2,000,000.00
Cancellation fee within 14 days i £25.00
Contents cover limit i £30,000.00
Alternative accommodation cover limit for contents i £7,000.00
Buildings cover limit i £750,000.00
Cancellation fee after 14 days i £35.00
Liability to domestic employees i £5,000,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £500.00
Liability as a tenant i £5000 or 10% of the sum insured
Replace belongings new for old i
Flood excess i £350.00
Escape of water excess (minimum) i £350.00
Money in the home i £500.00
Visitor's possessions i £0.00
Office equipment i £3,000.00

Buildings insurance

Bradford & Bingley

Home Insurance

3 stars
Escape of water excess for buildings i £350.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £0.00
Unoccupied period i 45 days
Property owner liability i £2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £20.00

Contents insurance

Bradford & Bingley

Home Insurance

2 stars
Matching sets (contents) i
Theft from outbuildings i £2,000.00
Cover for items away from home i Covered as standard
Property owner liability i £2,000,000.00