Bank of Scotland | CarInsuranceReviews.co.uk

The experts say:

💬

Provided by BISL Limited, Bank of Scotland's Comprehensive car insurance policy offers a relatively generous £1,000 of cover for lost keys, cover for vandalism, a 3-year guarantee on repairs, as well as a courtesy car while repairs are being carried out. Unfortunately, it does not offer an uninsured driver promise, and its Fairer Finance Star Rating is a modest 3 stars. It also isn't recommended by Which?. All in all, Bank of Scotland's car insurance might be suitable for some drivers, but those looking for a policy with a complete range features might want to look elsewhere. But do existing Bank of Scotland customers think it's any good? Read on to find out.

Compare Bank of Scotland's prices to other Car Insurance companies at Quidco

What Bank of Scotland customers are saying right now:

The Good

🤩 Quick mid-market rates and a low fee for international money transfers
😊 Manager listened to customer's concerns and resolved the issue
😃 Environmental credentials
😄 Easily accessible online banking site
😁 Staff were friendly and helpful in local branches

The Bad

😡 Poor customer service, long wait times and unhelpful staff.
😤 Anticompetitive behaviour towards funds transfer agencies.
😡 Unhelpful website design and refusal to accept emails.

Bank of Scotland customer reviews summary

It seems that Bank of Scotland has been causing more than its fair share of headaches lately. Customers have reported being unable to pay their van tax and having their accounts frozen without warning. There have also been reports of longer-term customers not being able to access the help they need via email, and of a poorly-designed website, making navigation difficult. The customer service experience is also said to be far from satisfactory. All in all, it seems that Bank of Scotland isn't doing enough to provide its customers with a positive experience. Score: 2/10.

Is Bank of Scotland one of this year's Top 10 car insurance companies?

Frequently asked questions about Bank of Scotland car insurance

Who underwrites Bank of Scotland car insurance?

Bank of Scotland car insurance is provided by the broker BISL Limited, who also arrange and administer car insurance for Halifax, Legal & General, Santander, and other well-known financial services brands. Because BISL is a broker, it uses a panel of insurance for underwriting, meaning Bank of Scotland car insurance customers need to check their policy documents to find out who underwrites their specific policy.

How do I cancel Bank of Scotland car insurance?

Although Bank of Scotland allows you to manage many aspects of your car insurance policy online through the "my account" feature, if you want to cancel the policy you have to phone their Customer Services team.

Their contact number is 0330 0184 175, and at the time of writing, lines are open:

Monday - Friday: 8am-8pm
Saturday: 8am-6pm
Sunday and Bank Holidays: 10am-4pm

Overview of Bank of Scotland Car Insurance Policy Features

"Comprehensive" is the name for the Bank of Scotland car insurance policy that provides a guaranteed replacement car, key care, and RAC breakdown cover.

Feature	Bank of Scotland Comprehensive Car Insurance	Bank of Scotland Car Insurance
Fairer Finance Star Rating	★★★	★★★
Cover limit for lost keys	£1,000	£0
Courtesy car for duration of repair	Yes	Yes
Uninsured driver promise	No	No
Cover for replacing original audio-visual equipment	Unlimited	Unlimited
Windscreen repair - excess	£25	£25
Windscreen replacement - excess	£100	£100
Repairs guarantee (years)	3 years	3 years
New car replacement	Yes	Yes
Cover limit for stolen keys	£1,000	£500
24hr helpline available?	Yes	Yes
Courtesy car provided if stolen or written off?	Yes	No
Vandalism	Yes	Yes

Bank of Scotland Car Insurance Review

Mrs Wheel