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Lloyds Bank: Car insurance reviews

Name: Car insurance
Rating: 2.11 (146 reviews)

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2.11

Based on 146 reviews, last reviewed 13th Jun 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

21%

67%

Latest highest rating:

5

Good price Online quote, better price than last year. Attached to my bank accounts for easy access Reviewed on: 13th June 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

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.

Lloyds Bank Car insurance reviews (146)

Review of the Lloyds Bank, Car insurance:

Car Insurance Renewal

Been driving for 50 odd yrs only ever had 1 non fault claim some 15yrs ago, been with Lloyds car insurance for several years and just received my renewal, last yr was £434 this year £898 absolutely disgusting Reviewed on: 27th March 2024

Helpful phone Staff - John

Contacted the phone line to sort out a No Claims Discount issue I was having with a new policy. The lad "John" didnt get a second name went above and beyond to help resolve the issue going as far to phone my previous insurer from nearly 2 years ago and sorting it out for me. Top man 10/10 couldn't be happier!!!!! Reviewed on: 17th July 2020

Avoid like the plague

FIRST AWFULL REVIEW EVER!!! please be aware of this company and avoid at all costs. I tried to make a claim initially but as I had and SP50 I did not make them aware of they were only willing to pay a small percentage of my claim. Which for the record I totally understood and didn’t have an issue with what so ever. I also had no issue with the increase to my further payments. What I was disgusted about was how they were only willing to pay out peanuts towards my claim but then had the audacity to back charge me the months I underpaid. I can not see how they can have it Botha ways and have their cake and eat it. Either pay out the claim and back charge me or dont pay out the claim but don’t then come back for the money. As a result I had to not only pay £1100 out of my own money for the car to be fixed but I then also had a further £228 taken as extra charges from the insurance. I feel totally loop holed and would strongly suggest you look else where for mother insurance Martin Clements Reviewed on: 28th May 2020

Would be Zero / Absolute scam artists

I had a minor accident which involved a 3rd party hitting me on my side of the road while speeding. The claim team were tremendously helpful to start. Until I refused there ridiculous fees because I didn’t click legal assistance. I had to organize my own rental vehicle and repair which dragged on for 9 months in total. Now fast forward another year and the morons that be have decided that driving on the wrong side of the road is acceptable and are awarding a 50/50 split. Goodbye to the thousands out of my pocket for hire vehicle, vat on parts and excess. STAY WELL CLEAR. PAY A LITTLE MORE WITH A REPUTABLE FIRM Reviewed on: 30th April 2020

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

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