Lloyd & Whyte reviews | Fairer Finance

Lloyd & Whyte provides a range of insurance and healthcare.

Lloyd & Whyte offers specialist policies, from thatched property insurance to Caterham insurance.

It was established in 1946 as a traditional provincial insurance broker. It works in partnership with a panel of insurers who underwrite its policies.

They are based in Taunton.

Our product ratings for Lloyd & Whyte

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Home emergency cover

1 product reviewed

Boiler Breakdown Cover

1 product reviewed

House Guard Prestige For Professionals (Ageas)

Lloyd & Whyte

House Guard Prestige For Professionals (Ageas)

Feature	Value
Minimum excess	£0.00
Premium (minimum excess applied)	N/A
No claims period (Boiler)	2.00
Boiler repair cover limit	£1,000.00
No claims period	2.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.	£0.00
Getting access and reinstatement	£0.00
Type of pricing	Over the phone pricing
Maximum excess	£0.00
Premium (maximum excess applied)	N/A
Underwriter	HDI Global Specialty SE
Unoccupied period	30
Individual call out cover limit for boiler repairs	£1,000.00
Time limit	N/A
Temporary emergency heating	£0.00
Boiler age exclusions	15.00
No claims period for boiler replacement	2.00
Boiler replacement (BER) within 0-4 years cover limit	£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.	£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.	£0.00
Boiler replacement (BER) within 8-10 years cover limit	£0.00
Boiler replacement (BER) 11-15 years cover limit	N/A
Primary flue	Yes
Boiler controls	Not Mentioned
Alternative accommodation cover	£1,000.00
Internal gas supply pipe cover	Yes
Annual boiler service	No
Repairs guarantee	Not Mentioned
24/7 claims helpline	Yes
Primary heating system	Yes
Date of price collection	2026-03-17
Plumbing & drainage cover	Yes
Electrical breakdown	Yes
Pest	Yes
Security	Yes

Home insurance (building and contents)

3 products reviewed

Buildings insurance

1 product reviewed

Home Advantage (AXA)

Lloyd & Whyte

Home Advantage (AXA)

Feature	Value
Escape of water excess for buildings	£250.00
Matching sets (Buildings)	50% of the cost of replacing the undamaged parts
Frozen pipes	Yes
Trace and access	£0.00
Underground pipes, cables and tanks	Covered as standard

Contents insurance

1 product reviewed

Home Advantage (AXA)

Lloyd & Whyte

Home Advantage (AXA)

Feature	Value
Matching sets (contents)	50% of the cost of replacing the undamaged parts
Theft from outbuildings	Sum insured
Cover for items away from home	Optional
Money in the home	£5,000.00
Property owner liability	£5,000,000.00
Escape of water excess (minimum)	£250.00

Home Legal Cover

1 product reviewed

Family Legal Protection (Ageas)

Lloyd & Whyte

Family Legal Protection (Ageas)

Feature	Value
Limit of indemnity per claim	£100,000.00
Employment - employee	Yes
Property damage	Yes
Contract disputes - pursue	Yes
Property disputes	Yes
Standard advisors cost	N/A
Employment - excess	£0.00
Contract disputes - defend	Yes
Data protection	No
Jury service - maximum indemnity limit	£1,000.00

Travel insurance

12 products reviewed

Annual multi-trip insurance

3 products reviewed

Standard
Premier Plus
Economy

Lloyd & Whyte

Standard

Feature	Value
Medical excess	£0.00
Cancelling before travel cover limit	£350.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£0.00
Emergency medical cover and repatriation cover limit	£5,000,000.00
Missed departure cover limit	£600.00
Natural disaster relocation cover	Yes

Lloyd & Whyte

Premier Plus

Feature	Value
Medical excess	£0.00
Cancelling before travel cover limit	£350.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£0.00
Emergency medical cover and repatriation cover limit	£15,000,000.00
Missed departure cover limit	£1,000.00
Natural disaster relocation cover	Yes

Lloyd & Whyte

Economy

Feature	Value
Medical excess	£0.00
Cancelling before travel cover limit	£350.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£0.00
Emergency medical cover and repatriation cover limit	£5,000,000.00
Missed departure cover limit	£250.00
Natural disaster relocation cover	Yes

Single trip insurance

3 products reviewed

Standard
Premier Plus
Economy

Lloyd & Whyte

Standard

Feature	Value
Cancelling before travel cover limit	£350.00
Medical excess	£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£0.00
Emergency medical cover and repatriation cover limit	£5,000,000.00
Missed departure cover limit	£600.00
Natural disaster relocation cover	Yes

Lloyd & Whyte

Premier Plus

Feature	Value
Cancelling before travel cover limit	£350.00
Medical excess	£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£0.00
Emergency medical cover and repatriation cover limit	£15,000,000.00
Missed departure cover limit	£1,000.00
Natural disaster relocation cover	Yes

Lloyd & Whyte

Economy

Feature	Value
Cancelling before travel cover limit	£350.00
Medical excess	£0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit	£0.00
Emergency medical cover and repatriation cover limit	£5,000,000.00
Missed departure cover limit	£250.00
Natural disaster relocation cover	Yes

Travel insurance add-on: cruise cover

3 products reviewed

Economy
Standard
Premier Plus

Lloyd & Whyte

Economy

Feature	Value
Missed port departure cover limit	£0.00
Re-joining a cruise cover limit	£0.00
Cabin confinement cover limit	£500.00
Missed port departure excess	N/A
Timetable/itinerary change cover limit	£250.00
Unused excursions cover limit	£250.00

Lloyd & Whyte

Standard

Feature	Value
Missed port departure cover limit	£0.00
Re-joining a cruise cover limit	£0.00
Cabin confinement cover limit	£500.00
Missed port departure excess	N/A
Timetable/itinerary change cover limit	£250.00
Unused excursions cover limit	£250.00

Lloyd & Whyte

Premier Plus

Feature	Value
Missed port departure cover limit	£0.00
Re-joining a cruise cover limit	£0.00
Cabin confinement cover limit	£500.00
Missed port departure excess	N/A
Timetable/itinerary change cover limit	£250.00
Unused excursions cover limit	£250.00

Travel insurance add-on: winter sports

3 products reviewed

Premier Plus
Economy
Standard

Lloyd & Whyte

Premier Plus

Feature	Value
Ski equipment owned cover limit	£500.00
Single owned item cover limit	£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£250.00
Ski equipment hired	£250.00
Piste closure cover limit	£300.00
Unused ski pass due to illness or injury	£500.00

Lloyd & Whyte

Economy

Feature	Value
Ski equipment owned cover limit	£500.00
Single owned item cover limit	£200.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£250.00
Ski equipment hired	£250.00
Piste closure cover limit	£300.00
Unused ski pass due to illness or injury	£500.00

Lloyd & Whyte

Standard

Feature	Value
Ski equipment owned cover limit	£500.00
Single owned item cover limit	£250.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment	£250.00
Ski equipment hired	£250.00
Piste closure cover limit	£300.00
Unused ski pass due to illness or injury	£500.00