Write a review

Bank of Scotland: Car insurance reviews

Name: Car insurance
Rating: 1.92 (24 reviews)

View other Bank of Scotland products

1.50

Based on 24 reviews, last reviewed 16th Aug 2025

No new 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

17%

71%

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

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

Read all reviews Write a review

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.

Review Bank of Scotland: Car insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

Bank of Scotland Car insurance reviews (24)

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

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

Do you have a different Bank of Scotland product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Car insurance
from Policy Expert 4.82 from 5022 reviews
Car Insurance
from NatWest 4.00 from 5 reviews
Motorhome insurance
from Caravan Guard 4.96 from 9390 reviews

Want to see more from Bank of Scotland?

Investment Account
from Bank of Scotland 5.00 from 1 reviews
Life Insurance
from Bank of Scotland 5.00 from 1 reviews
Cash ISA
from Bank of Scotland 4.70 from 12 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub