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Lloyds Bank: Car insurance reviews

Name: Car insurance
Rating: 2.13 (149 reviews)

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2.12

Based on 149 reviews, last reviewed 5th Sep 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

21%

66%

Latest highest rating:

5

Easy to deal with and dealt with claims comprehensively Easy to deal with and dealt with claims comprehensively Reviewed on: 5th September 2025

Latest lowest rating:

1

Absolutely avoid LLoyds Car Insurance! Absolutely avoid LLoyds Car Insurance! If you ever have to make a claim the customer service process is shocking you get passed round from pillar to p... Read more Reviewed on: 3rd July 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 (149)

Great Service at Renewal

Renewal service and access to site for all documents means less paper waste and a very smooth process Reviewed on: 10th March 2023

Thanks For Your Call - Now That'll Be £25

I hadn't planned on writing a review, but I have spent the last 30 minutes on Lloyds website looking for a way I can convey information to them without phoning. (I am unable to use a regular phone.) They do not provide an email address or any other communication mechanism and I wanted to give them feedback. I have been a Lloyds customer for over 10 years and always renew my car insurance with them and it's usually relatively painless - but I changed over cars and had a quick 5 minute call with them to update the details and the price was going to go up £10 or so - no big deal it's a bigger car - but then to administer this they wanted to charge me a £25 admin fee. I would like to complain about it as I think it's both unfair and excessive and I wanted a response from them before I complained to the ombudsman, but I am unable to do so. I also wanted to advise them that if they have any future letters they want to send me to get information , I am introducing a £25 admin fee to answer them. They are now my ex insurers and shortly they will be my future ex bank. I would advise anyone considering them as insurers to think very carefully, and if you do decide to go with them - keep an extra £25 in your back pocket in case you ever have to phone them. Reviewed on: 29th January 2023

Good price

Good price and actually dropped in price upon renewal. Reviewed on: 25th January 2023

EXCESSIVE SHARP INCREASES

Last year van insurance was £366, with named driver. Despite no accidents and no claims ever made over my two years (none ever claimed before Lloyds), with Lloyds, this year my renewal quote was £875, a whopping increase that well exceeded the rate of inflation. Their loss , I fond an insurer at less that half their price. Shame on you Lloyds, I view this as a move to fleece your customers and a disgraceful act of fleecing the aged. Reviewed on: 21st January 2023

DO NOT USE

I cancelled my vehicle insurance with Lloyd's because I sold my car and was moving back to London so no longer needed it. They sent me emails to confirm cancellation and all looked good. I move home and go on holiday the next day and next thing I know when I returned to London is receiving a debt collection letter that I owe these incompetent amateurs £12.86 which I did not even know about... They didn't even send me an email about this balance as I would have seen it. Now I'm worried my credit has been affected just cause they decided they wanted money I did not know I owed them during the Xmas holidays..... !!! Buying a home later this year and after this I'm definitely not going to Lloyd's for my mortgage! Reviewed on: 15th January 2023

Took money despite my having told them I was not renewing

My policy renewal was due on 12 December 2022. I received the renewal notice in good time, but found another policy with a reputable company at £50 cheaper for the same cover. I called Lloyds to tell them not to renew and was assured by the operator that she would make sure it did not renew. On 11 December I got two e-mails saying they were renewing the policy. It was a Sunday and they were closed. I called at 8 am on 12th. Spoke to someone else who apologised said I would not be subject to a cancellation fee (Oh thanks!)and would make sure it was corrected. Later that day I checked my bank account only to find they had taken the money! Called them again, another operative, eventually to a complaints team member. She promised to look at what had happened and said she would call me back on 13th. Guess what? No phone call. So I called them again. Another operative. This one also promised to help, I have to wait another three days before I can even get any sort of answer. I need the money back. I have bills to pay! What a shambles of an office. Are they all working from home in their Disney onesies. What a Mickey Mouse firm (apologies to Walt Disney). Reviewed on: 13th December 2022

Cancelled policy early

Cancelled my policy early as sold my van and got company van. They want £144.00 for Cancellation fee. Rip off. Reviewed on: 21st November 2022

Absolute charlatans

I will NEVER use this company again,reported a broken windscreen which involved hours on the telephone. Got a call back the next day from a windscreen company to inform me someone will be out in a WEEK'S TIME to replace it!!! Lloyd's customer service is all but non existent, practically impossible to speak to a human being. When I did,the guy I spoke to was monosyllabic, disinterested& unable to give me an answer to any of my questions. He asked if I wanted to make a complaint which obviously I replied in the affirmative. He then told me someone will contact me in 3 days!!!! You couldn't make up their level of ineptitude, disinterest& total lack of any customer service whatsoever. DO NOT waste your money on these cowboys, they are not fit for purpose Reviewed on: 31st October 2022

Never again

My daughter - a Lloyds customer - had a no fault accident on 4/8/22. Lloyds failed to offer her a Guaranteed Replacement Car as entitled. They constantly pass the buck to "her Underwriters" who make you wait an hour to pick up the call 4 times to date) and then cannot get you off the phone quickly enough. They wrote off her car then charged £25 to register the replacement. Had she gone elsewhere she would have forfeited 9 months premium and been charged £55 for premature cancellation. Still fighting to get them to claim her excess from the other side. Will never deal with them again and now considering moving 8 bank accounts elsewhere, but I doubt they care. My advice, only insure with an actual insurance company, not through an intermediary. Reviewed on: 17th October 2022

I would give zero stars if it was an option

My motor insurance was recently up for renewal, so, being the responsible person I am, I contacted them to pay my insurance with another card, knowing that there would be insufficient funds in the account set up for auto-renew. Payment went through and I was assured that the other payment would be cancelled. No, that didn't happen, Lloyds Bank Motor Insurance currently have two x annual payments for my motor insurance and after 9 telephone calls and lots of apologising and reassurance, communication has dried up and I have no idea when the payment they have taken incorrectly, forcing me into an unauthorised overdraft and causing a DD to be returned, will be returned. Absolutely atrocious and no complaints procedure apparently - is that even legal? AVOID. Reviewed on: 12th October 2022

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