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Bank of Scotland: Car Insurance reviews

Name: Car Insurance
Rating: 2 (22 reviews)

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1.60

Based on 22 reviews, last reviewed 10th Mar 2025

No new 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

18%

67%

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

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 ca... Read more Reviewed on: 10th March 2025

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About this product

Choosing a new car insurance provider can be difficult with so many on the market. Our Bank of Scotland car insurance reviews can help you make an informed decision when choosing your next provider.

Bank of Scotland offers Third Party, Fire and Theft, and Comprehensive cover, as well as policies designed for electric vehicles. All comprehensive policies come with a variety of additional benefits, such as 60 days of EU cover, courtesy car and more. Alongside this, Bank of Scotland has a range of optional extras designed to make your policy even more robust.

Does Bank of Scotland sound like the perfect provider for your car insurance? Read our customer reviews to see how well these policies shape up. Find out what extra add-ons customers have put onto their policies and whether they would purchase them again. If you have an electric vehicle, learn how well Bank of Scotland has tailored its policies to cater for you. Before purchasing a policy, always read reviews to be sure you’re making the best financial decision for your needs.

Have you had a car insurance policy with Bank of Scotland? Share your experience with others on Smart Money People. Tell us if you felt your policy was reasonably priced, and if you felt the level of cover was suitable for your needs. Did you need to make a claim, and if so, how well was it handled? Would you recommend them to a friend or family member, and would you renew your policy? Write a Bank of Scotland car insurance review today. Together, we can help people like you make better decisions.

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Bank of Scotland Car Insurance reviews (22)

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

Bank of Scotland, Very fair insurance company

I signed on with Bank of Scotland Insurance last year when I come to renew this year my insurance actually went down £20 I was amazed Reviewed on: 23rd August 2024

Can’t do EV insurance

Website refers to EV Car Insurance but contact was unable to quote or amend our policy Reviewed on: 4th June 2024

LEAVE THIS COMPANY ALONE THEY JUST WANT MONEY

The system will NOT allow a change of vehicle ,you have to take out another policy at a greatly inflated price eg renewal 390 pounds change vehicle 1400 pounds dont touch em with a barge pole Reviewed on: 26th March 2024

Rip-off renewals.

Rip-off renewals. £271.59 last year. This year, same car (one year older), extra year of no claims discount (9 years now) and no other changes at all - exacltly the same policy. Guess how much ? £694.37. That is a 156% increase. Why don't they jsut send a letter saying they don't want to insure you, please go elsewhere. At least that is honest. Found elsewere for 31% more, still bad but that is life these days with people with "normal" cars paying for others with complex EV imports with no parts, etc. I should pay based on me, where I live, what I use my car for and the car I own. Reviewed on: 13th March 2024

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