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Lloyds Bank: Car insurance reviews

Name: Car insurance
Rating: 3.22 (152 reviews)

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3.22

Based on 152 reviews, last reviewed 28th Aug 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

22%

66%

Latest highest rating:

5

Car Insurance provided at a great price! Car Insurance provided at a great price! The online system is really easy to use with all the documents in one place and readily available. Would high... Read more Reviewed on: 28th August 2026

Latest lowest rating:

1

Ignore their shiny emails. They send you big shiny images in your email ‘silver package’ ‘upgraded package’ ‘courtesy car included’. Horse *****. Read page 156783 of your policy... Read more Reviewed on: 24th November 2025

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About this product

Lloyds Bank car insurance is underwritten by a panel of insurers and administered by BISL Limited.

You can manage your Lloyds Bank car insurance policy online via ‘My Account’. Using the online portal, you can view, download or print your documents, add and remove additional drivers and change your policy details.

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

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Lloyds Bank Car insurance reviews (152)

Rip off merchants start to finish.

I'm aware that Lloyds Bank Car Insurance do read some of these reviews and do their best to have them removed, On that basis this is an honest no punches pulled review. I started my Car Insurance with Lloyds Bank car Insurance on December 23rd, and paid them a deposit with my card, and took out my cover. On December the 30th The car I had insured had to be returned, and on the same day I returned the car I phoned up Lloyds Bank Car Insurance to cancel my policy. I got almost all the way through and they put the phone down on me. As I thought all had been done and because I was also dealing with family bereavements, so concentrated on that. Fast Forward 3 months and noticed that deductions were still being taken by Lloyds Car insurance from my account. I contacted Lloyds Car Insurance and they told me that I had not cancelled my insurance and they had no record of my call telling me that they record ALL their calls. They then told me to ask the garage I returned my car to whether they could send me an email confirming that the car involved was indeed returned. They then told me that the email was not adequate proof as it didnt mention the exact return date. I contacted the garage again asking them to send me an email with the exact return date on it. The garage then sent me an email with the exact date on it,which I forwarded to Lloyds Car insurance. They then mailed me back saying this was still not adequate proof, as It had been forwarded to me not direct to them, and implying that I could have modified the email to suit my needs. I then asked the garage to send it direct to Lloyds Car insurance, which they did. You wont be surprised to hear they then decided to move the goalposts yet again, and tell me the proof was not acceptable as it was not on headed note paper and/or was not in the form of a PDF. The garage explained to me that because of coronavirus they could not access headed note paper as the business was closed until they were given notice that they could open up again after lockdown.. Lloyds have been obstructive to the maximum, and seem to be doing everything in their power to avoid paying me back what they owe me. I have spoken to 7 (YES 7) diffferent people regards this matter and everyone just shoves me on to someone else to deal with this. All I want is for them to refund me my deposit as well as all the direct debits they continued to take from me. I understand that they might want to deduct 7 days insurance from the total but based on the fact that it has taken three months to get this far I'm hoping as a goodwill gesture they might refund me everything I've paid out, but I;m not holding my breath. Stay well away from Lloyds Car Insurance unless you want months of messing about. Reviewed on: 17th April 2020

Must give two stars even though customer support was friendly and responsive

I've had Lloyds Car Insurance for 2 years and wanted to review for the third year. The price suddenly jumped substantially (from around £400 to £550 yearly) and I called them to ask why, because in Internet the price to join is much lower. Was told that this is for renewal, but they may cancel my insurance and I will do the new one with them for the Internet price. That's what I did. Then I discovered that my account was charged twice with the price of insurance (around £400+£400). I must admit that the company customer service is great and they responded to every my call and email. But the investigation lasted 2 months and cost me a lot of time, I sent about 10 emails and had about 15 phone calls. Finally after two months they told me that I created two insurances with them and they will cancel one of them, but I will pay cancellation fee + charge for the period the second insurance was active: £85. So I agreed because I did not want to waste more time and nerves. I lost altogether £85. I cannot understand how same car with same owner can be insured twice in same insurance company on exactly the same date. But I have no more time to investigate and if you will decide to have Lloyds Car Insurance for your car, you will tell me the result of your experience. Reviewed on: 17th April 2020

Bunch of amoral kids

I expected high quality from Lloyds Bank, and the price was good. But after a smash these twatty kids pushed me around from department to department, telling lie after lie, and trying to get out of everything. I had to argue for days just to get the courtesy car which I had paid extra for, and then they wanted it back suddenly. Then they took extra charges from my bank account. Then they made zero effort to investigate the incident, not caring about blaming me 100% so they could close the case and make their commission. Then they tried to double my premium, so I've gone elsewhere. The whole experience was like being mauled by jackals. Reviewed on: 7th April 2020

Total Mess

Bought van insurance from Lloyd’s. Uploaded no claims discount with takes over 7 days to clear on their online portal (what!?) they cancelled my policy on the 6th day. When I rang to see what was happening the said I would then need to pay and extra £120 on top of my £550 policy I had already taken.... really when I had complied with uploading the proof on time. I will now be moving all my policy’s/accounts from Lloyd’s within the coming months, Reviewed on: 31st March 2020

Loyalty means nothing

I have had a policy with Lloyds nows for a few years and always pay monthly. Yesterday I purchased a new car and wanted the same cover. The new quote shot up and they wanted £450 there and then, because they said I could not pay monthly on this car. I had not got that sort of money so had to pay a £50 cancellation fee. I will never deal with this company again and are in the process of changing my bank account to someone else. Reviewed on: 13th March 2020

Excellent customer service from Amy

I spoke to Amy on 14th February 2020 about cancelling my car insurance as it was far more than other quotes. She tried to get me a better deal but couldn't so patiently waited while I arranged for cover with another insurer so I didn't pay the cancellation fee. She chatted to me throughout with lovely stories of her sons. One of the best customer service experiences I have ever had. Thank you Amy! Reviewed on: 14th February 2020

Over charged for cancelling the policy

My wife had a policy with Lloyds car insurance. She wanted to change her car and I went online to get a quote. However the Lloyds website was off line due to maintenance. I had encountered this previously with Aegeas but when I rang them (Aegeas) they waived the administration fee. However Lloyds wanted to charge a £25 administration fee. I would have accepted this but then they wanted a further £55 to cancel the policy. A total of £80 when the original policy cost £230. This over 30%. I considered this to be excessive. Furthermore they wanted to charge £400 for the new policy whereas I had several quotes round the £220 mark. I will not be using Lloyds again and would urge others to think again about using them Reviewed on: 10th February 2020

Terrible cheating company

Recently renewed my policy through Lloyds and about 2 weeks later received a letter informing my premium was being increased as I had failed to disclose a claim in October 2019 (though at that time I had insurance through Lloyds - why they cannot simply look at their own records is beyond me) - this is an excuse to cheat people out of money. Reviewed on: 8th February 2020

Shocking cutomer service

Penalised for getting a dash cam on my car insurance. My premiums more than doubled!!!! Reviewed on: 3rd February 2020

They are human too.

My father has mixed dementia, and had to quit driving in March 2019. He forgot to cancel his car insurance. In January 2020 Lloyd’s automatically renewed it. That is how it’s supposed to work. I found the renewal letter. So I phoned them up to cancel, and the chap on the phone was initially unwilling (company policy) to deal with me, so I put my father on the phone. 30 seconds later and the chap on the phone had a 180 degree attitude change, From ‘company policy’ to ‘human and very helpful.’ He issued a full refund, and also said I could reclaim last years premium on behalf of my father if I sent in documentation proving the time of diagnosis and sale of the car. ‘What goes around comes around’ he said. Nice. Someone who's got empathy. Reviewed on: 2nd February 2020

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