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Lloyds Bank: Car Insurance reviews

Name: Car Insurance
Rating: 2.09 (145 reviews)

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2.01

Based on 145 reviews, last reviewed 26th Feb 2025

100% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

20%

68%

Latest highest rating:

5

This is an excellent car company to work with This is an excellent company to work with Reviewed on: 26th February 2025

Latest lowest rating:

1

Please avoid. Please avoid. If you ever have to make a claim the customer services is shocking you get passed round from pillar to post, no one wants to take owners... Read more Reviewed on: 10th February 2025

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About this product

Choosing your next car insurance provider can be difficult with so many on the market. Here at Smart Money People we collect Lloyds Bank car insurance reviews from genuine Lloyds Bank customers to give you some insight into what you can expect as a policyholder.

Lloyds Bank insurance products can be traced back to 1688, now offering a multitude of policies to cover a variety of needs, such as home, business, landlord and car insurance. With a range of cover options to suit various budgets and needs, could they have the perfect policy for you? Check out the Lloyds Bank car insurance reviews on Smart Money People to make an informed decision about your next provider.

What’s the most important aspect of a car insurance policy to you? Perhaps you simply want the lowest priced premium, or maybe you’d prefer to pay for some optional extras? Accessible and communicative customer service might be at the top of your priority list? Whatever your needs, read our Lloyds Bank car insurance reviews to see how existing customers rate their policies.

Have you had a car insurance policy with Lloyds Bank? Whether good or bad, share your experience with other drivers on Smart Money People so we can help people like you make better decisions. Were you satisfied with the level of cover you received for the cost of the premium? Did you have any experience with Lloyds’ customer service? Did you have to make a claim, and if so, how well was it handled? Leave an honest Lloyds Bank car insurance review today.

Lloyds Bank Car Insurance reviews (145)

Review of the Lloyds Bank, Car Insurance:

I have insurance with them

As title states I have car insurance through them and it does the job I need it too Reviewed on: 3rd April 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

Avoid using this company unless you like throwing money away

So, I make a simple change online, where I do all the work, and there is a charge of £25 I went online and cancelled my policy, where I do all the work, and there is a charge of £55 Oh, and the policy auto-renews and it’s not easy to stop Ok, so they have systems to pay for and support, and most people don’t mind a nominal charge, but these charges are way over the top Reviewed on: 25th September 2022

Car insurance

We had a crash in our car and was not our fault, it took them 4 hours to take the car away, know they are trying to charge me, £40 storage cost, £200 excess, and they have only offered me the basic money for a basic when mine was a good quality one, bearing in mind the crash was nothing to do with us it's disgusting Reviewed on: 15th July 2022

Lloyds Fraud system not allowing any payments abroad, unable to even top up to call Lloyds

I have been having issues with Lloyds bank for years, but it reached its pinnacle in the past few months. As a frequent traveller I have to use online banking for payments very regularly however Lloyds is protecting me from spending a single penny while abroad. Last blocking I’ve received was while on a plane trying to order internet for 7.94 pounds, it has been cut off my Lloyds anti fraud. When I arrived at the spot I needed to buy an e-sim so I attempted to pay online. All online payments have been frozen and even when I wanted to top up Vodafone credits to call Lloyds to express utter frustration I couldn’t - Lloyds kept rejecting my attempts to top up Vodafone credits, even after I validated the legitimacy of the attempt via the mobile banking app. Right now I am stranded without the ability to pay and am forced to ask friends from the UK to pay for my needs. It’s still hard to believe the bank could actually do this to its customer, but not with Lloyds. I have never seen a worse bank, even remotely close. I think Lloyds doesn’t deserve to have a single customer and would recommend dropping Lloyds asap which I am gladly going to do once back from vacation. Good bye Lloyds, it’s been terribly pleasant dealing with you. Reviewed on: 17th April 2022

Consistently terrible

They have been consistently terrible, my car was hit on the 31st of January and as of today (29 March) they have taken the courtesy car away from me a month ago (2nd March) and have not paid me a penny they agreed a figure and then decided that their independent assessor was wrong after agreeing it with me. I have now been told that after 8 weeks they will give me an answer in 4 weeks as to what is happening (so 12 weeks to get an answer), no returned calls and cannot be bothered that I do not have a car or the money to replace it. Terrible company that is a front for BISL Ltd and Covea insurance, just corrupt and they could care less about you as a customer. So my next attempt is a 14 day letter and then of too County Court let the judge decide. Reviewed on: 1st April 2022

Car insurance tripled on renewal

Lloyds was kind enough to renew our car insurance WITHOUT notifying that they are going to charge TRIPLE the price from last year. I've seen other insurers charging extra few quid but this is a fucking joke! Reviewed on: 6th March 2022

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