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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.

Bank of Scotland Car Insurance reviews (22)

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

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

Abysmal customer service

I was charged an admin fee for an error on my online account which was not of my making. The complaints manager was both confrontational and would not listen to reason. I would not use this insurance company again. Disappointed and angry!! Reviewed on: 10th November 2021

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