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Bank of Scotland: Car insurance reviews

Name: Car insurance
Rating: 1.44 (26 reviews)

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1.44

Based on 26 reviews, last reviewed 13th Mar 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

15%

73%

Latest highest rating:

4

Competitive and helpful, but don't be stung on renewal! Bank of Scotland offers competitive prices for car insurance, but like others, they do have a tendency to put prices up after a year, although this ti... Read more Reviewed on: 23rd August 2024

Latest lowest rating:

1

Avoid this company I have received a renewal quote which is £100 more than last year and I want to cancel. However, the only way to cancel the policy is by phone and the... Read more Reviewed on: 13th March 2026

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About this product

Bank of Scotland car insurance is arranged and administered by BISL limited.

You can upgrade your Bank of Scotland car insurance policy by choosing from extra cover options including guaranteed replacement car, breakdown cover and keycare cover. Electric car insurance cover benefits are also included.

Bank of Scotland car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Bank of Scotland before, you can also leave a review and share your experience.

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Bank of Scotland Car insurance reviews (26)

Avoid this company

I have received a renewal quote which is £100 more than last year and I want to cancel. However, the only way to cancel the policy is by phone and they simply leave you on hold and do not answer. I imagine if I ring every day until the policy renewal date, I won't be able to get through. Complaining to BoS is no good as they don't want to know. This is in my opinion a scam. They will take my money and I have no way to prevent it. Avoid at all costs. Reviewed on: 13th March 2026

AVOID this company

Changed my car and tried to change insurance accross. Rang them and tgey told me my car did not exist and I could not get it insured. I went elsewhere and got insurance straight away. I cancelled my insurance and they are messing about with the £138 refund. 16 days have gone past and now say alow another 21 days...the Chat advisor Amarah then just disconnected the chat. How rude and unprofessional Reviewed on: 1st October 2025

Renewal quote £330, last year £190

Renewal quote £330, last year £190; despite published reduction in car insurance premiums of 16% Reviewed on: 16th August 2025

Rip-off on renewal

Insurance premiums have dropped around 18% over the past year and yet they were increasing my premium by more than 42%. If you include the expected 18% drop, they were trying to charge me at least 60% more than the going rate. Reviewed on: 18th April 2025

They refused to transfer the policy onto another car.

After my car went on fire I purchased another car. BOS refused to transfer the policy even though it had six months to run. Their preference was to cancel the policy and refund me with NOTHING. They then offered me a new policy at a higher cost. Darren Clarke was a waste of space and would not listen to my complaint. I had written to Darren laying out my complaint. When he phoned me (as per their promise) he had not even read my letter. I will never use BOS to insure my car again. Reviewed on: 10th March 2025

Darren Clarke, customer relation team he works in, a...

Darren Clarke, customer relation team he works in, absolute disgrace of a man, said he refunded me £101.40 and also sent me a goodwill gesture of £30, my bank have confirmed nothing has been received, I've also sent bank statements to Darren Clarke who has told me it's been sent, incredible he works for a customer relation team but can't read to see it’s not gone into my bank!! useless bloke Reviewed on: 7th January 2025

Huge regrets! Cowboys

Made small mistake on application, they gave me insurance then increased price by 60%, then charged me £100 to cancel, do not use these cowboys Reviewed on: 30th November 2024

Absolutely don't buy!

Absolutely don't buy! They only take money, no help. I waited 3 months for the garage. From 16 of July my car is in the garage for They say there are no parts. No information, no contact from garage. (Bodywise on Kirkcaldy) I was writing a complaint to the Bank, they write lies that they talked to the garage. I went to the garage, the garage says that no one talked to them. My car had an accident on April 1 and it is still in the garage!!!! 6 months!!!! The Bank of Scotland no help and customer service are very bad. They are not interested in your car or help. I wanted to take the car back I said I would take it and that when the parts are there I will bring the car back. They started lying that the car has to go through inspection, that it is in the garage disassembled and they have to check what is broken. My car has been parked for 2.5 months and they haven't checked what's broken? And they said earlier that they were waiting for parts. What parts if they don't know what's broken? Don't buy this insurance! I'm warning you. Reviewed on: 30th September 2024

BANK OF SCOTLAND FOR CAR INSURANCE? NEVER AGAIN!

I had an accident in my car, which was my fault (first accident in 40 years) and my car was written off. I called BOS who put me onto the ACTUAL insurers, who in turn put me onto the company to arrange pick up of the car. Who then put me onto the person who was collecting it. Four different companies/entities. I tried to insure my new car with BOS but it was four times the price, even with my protected no claims of 9 years (which actually was 19 years since a no fault criminal damage in 2005). I have been told that even though my car was written off, I still had to pay the policy until the renewal date nine months later. DO NOT USE BANK OF SCOTLAND CAR INSURANCE - they are not insurers, they are brokers and wash their hands of you in the most awful of times. I wanted to give them no stars but had to give them one to be able to write this review. STAY CLEAR! Reviewed on: 17th September 2024

Competitive and helpful, but don't be stung on renewal!

Bank of Scotland offers competitive prices for car insurance, but like others, they do have a tendency to put prices up after a year, although this time I found them helpful in matching a better quote I'd got elsewhere. They send your renewal information in a paper format which is unusual, and I'd prefer to have it electronically to save paper and the environment. But overall, they are easy to deal with and helpful. Reviewed on: 23rd August 2024

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