Bank statement charge
What is HOME INSURANCE LBIS on my bank statement?
Who charged you
Lloyds Bank Insurance Services Lloyds Bank, Halifax and MBNA home insurance
HOME INSURANCE LBIS is Lloyds Bank Insurance Services, the Lloyds Banking Group company behind Lloyds Bank, Halifax and MBNA home insurance. The payment is usually your monthly buildings or contents insurance premium, paid by Direct Debit.
How it can show on a statement
HOME INSURANCE LBIS
Find out what it was
- 1
Sign in to your Lloyds Bank, Halifax or MBNA online banking or app and open the home insurance section, which shows the policy, the premium and how it is paid.
- 2
Check the Direct Debit list in your banking app for the HOME INSURANCE LBIS entry, its reference and its start date.
- 3
Search your inbox and post for renewal letters or policy schedules from Lloyds Bank, Halifax or MBNA home insurance.
- 4
If you see two LBIS payments, check whether you hold separate buildings and contents policies.
- 5
Still a charge you did not agree to? File your complaint here. We write it with you and send it to Lloyds Bank, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “HOME INSURANCE LBIS”?
The Direct Debit is collected by the insurance company inside the banking group, not by the bank brand you bought from, so it shows a plain Home Insurance label and the initials LBIS (Lloyds Bank Insurance Services).
Halifax home insurance is run by the same company, so a policy you remember as Halifax can sit behind this name as well; Halifax policies are also moving to the Lloyds brand.
Why you might see this charge
- Your monthly home insurance premium: Lloyds Bank, Halifax and MBNA let you spread the cost monthly at no extra charge.
- Separate buildings and contents policies, each with its own Direct Debit, so ending one leaves the other running.
- A renewal at a new price: the policy renewed and the monthly amount changed.
- A policy taken out by a partner or someone else in your household and paid from a joint account.
Is HOME INSURANCE LBIS legit?
Real. LBIS is Lloyds Bank Insurance Services Limited, part of Lloyds Banking Group, and the policies are underwritten by Lloyds Bank General Insurance Limited.
Because the label is generic, confirm it against your own policy in online banking rather than through links in emails or texts about home insurance.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| DOXO* | doxo | DOXO* or DOX* before a company's name means a bill was paid through doxo, an independent bill pay service, not… |
| HERTZ TOLL | Hertz | HERTZ TOLL is PlatePass, the toll program in Hertz, Dollar and Thrifty rental cars. |
| ERAC TOLL | Enterprise Rent-A-Car | ERAC TOLL is Enterprise Rent-A-Car's toll program, which also handles National and Alamo rentals. |
| ACI* | ACI Payments (Speedpay) | ACI* or SPEEDPAY is a bill paid through ACI Payments, part of ACI Worldwide, which runs Speedpay and was once called… |
| B G SERVICES | British Gas Services | B G SERVICES is British Gas Services Limited, the British Gas company that runs HomeCare and other home services. |
| VZWRLSS*APOCC VISB | Verizon Wireless | VZWRLSS is Verizon Wireless, the mobile network, written short on card statements. |
| E-TOLL AVIS | Highway Toll Administration | E-TOLL AVIS, E-TOLL BUDGET and E-TOLL PAYLESS are tolls from a rental car, billed by Highway Toll Administration… |
| TELEFONICA UK LIMITED | O2 | Telefonica UK Limited is the company behind O2, the UK mobile network, and the company that collects O2's Direct Debits. |
Questions about HOME INSURANCE LBIS
Who is HOME INSURANCE LBIS on my bank statement?
It is Lloyds Bank Insurance Services, the Lloyds Banking Group company that arranges Lloyds Bank, Halifax and MBNA home insurance. The policy it pays for shows in the home insurance section of your Lloyds Bank, Halifax or MBNA online banking.
Why do I have two LBIS payments?
Buildings cover and contents cover are often separate policies, each collected by its own Direct Debit. Check your online banking for two home insurance policies; cancelling one does not stop the other.
Is LBIS part of Lloyds Bank?
Yes. Lloyds Bank Insurance Services Limited is part of Lloyds Banking Group, which also owns Halifax and MBNA.
What can I do about an LBIS payment I did not agree to?
File a complaint on Complain.biz. We write it with you and send it to Lloyds Bank, so you do not have to chase it yourself.
Based on
- Halifax: Home Insurance website terms (operated by Lloyds Bank Insurance Services Limited)
- Halifax: Home Insurance (underwritten by Lloyds Bank General Insurance Limited, pay monthly)
- Lloyds Bank: Home Insurance
- MBNA Home Emergency policy booklet (Lloyds Bank Insurance Services as arranger)
- MoneySavingExpert forum: Lloyds home insurance cancelled but contents kept being taken