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Bank of Scotland: Car insurance reviews

Name: Car insurance
Rating: 1.96 (23 reviews)

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1.58

Based on 23 reviews, last reviewed 18th Apr 2025

No new 5 star reviews

in the past 90 days

100% increase 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

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 1... Read more Reviewed on: 18th April 2025

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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.

Bank of Scotland Car insurance reviews (23)

Review of the Bank of Scotland, Car insurance:

Great rate for car insurance with added bonus gift card

Bank of Scotland turned out to be the cheapest for my car insurance with the added bonus of a gift card thrown in! Reviewed on: 12th July 2020

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

Cost of living crisis is hard enough.

Cost of living crisis is hard enough. Charging an ammendment fee is way ut of order as amending a policy is mandatory if there is a change or you are committing a crime. So why charge for it. Especially if I changed it via online without having to falk to someone. Its an outrage that they do nothing to help people. Am either losing out anyway I go. Also why have a car on an Insurance group when they pick and chose other reasons to make sure they get more money. I have dropped insurance groups but my insurance has doubled. No such thing then. Its a give me the money money money world nowadays and no good customer service anymore. Its all about wanting cash than giving out good service. No wonder so many people think ending it stops the pain. Reviewed on: 26th February 2024

Avoid

So I purchased a brand new car EPower hybrid. (i get one every 3 years) 1500cc. My previous insurance was £465 to insure a new car 1500cc in 2020, well last night I called to change insurance to new car and was informed that only one of their insurers would insure it but its slightly more expensive. £1365.00 I laughed and said how old do you think I am, I can assure you I am not 18. So I then had to cancel my existing one as I don't own the car anymore and they are charging me £35 admin fee. I went to direct line and got full insurance with protected no claims, like for like courtesy, replacement car if written off. legal protection for less than half of what Bank of Scotland wanted me to pay. £671. Why is car insurance so flipping expensive now, Reviewed on: 31st October 2023

car insurance

A great offer for my car insurance Reviewed on: 13th September 2023

Avoid for car insurance

I took out car insurance with Bank of Scotland. Unfortunately a patient at the hospital where I work reversed into my car, and despite her and her insurance company admitting full liability (in writing), Bank of Scotland processed my notification of incident incorrectly and put the whole claim through on my insurance - it took about 30 phone calls to unhelpful staff over 4 months with no resolve. I finally submitted a formal complaint, and they breached the period for reply so I threatened to escalate to the Ombudsman service at which point they finally sat up and admitted they had completely messed up (admitted it was a non-fault claim and finally refunded me the £450 excess I had to pay and took it off my record as a fault claim). I have rarely been so stressed in my life. The service was appalling and really disappointing. Reviewed on: 23rd August 2023

You are not insured with BOS as you think

I thought I was insured with BOS. However when I had to make a claim I found out that BOS are just a broker even thought the policy looks like its with BOS. You are actually insured with a two bit company in Dorking called Sabre insurance who will argue over the value of your car and do anything to avoid paying out. ( Google them!) Reviewed on: 14th July 2023

Easy website to use.

Straight forward site to purchase insurance. Also get paper copy of policy and cancel auto renewal. Reviewed on: 7th April 2023

Helpful

Spoke to a guy called Stephen was more than helpful Reviewed on: 3rd January 2023

Fees Fees Fees

I was annoyed that the insurance company charged me a £55 cancellation fee when my car broke and needed to be sold for parts. The cancellation mechanism was 100% automated and so £55 is not justifiable in my opinion. Reviewed on: 31st August 2022

Horrendous

Don't give yourself the headache. Cowboys and daylight robbers. Reviewed on: 31st January 2022

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