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Bank of Scotland car insurance review

Read Which?'s expert review of Bank of Scotland's car insurance. Find out how we rate Bank of Scotland's car insurance policy against 33 other providers.

In this article
Bank of Scotland car insurance overview Bank of Scotland's car insurance policy: is it good or bad?
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Bank of Scotland car insurance overview

One of the oldest UK banks, Bank of Scotland is part of the Lloyds Banking Group. Its car insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers.

What you need to know about Bank of Scotland's car insurance:

  • Optional 28 days total loss courtesy car cover
  • Unlimited cover for glass damage
  • 3 year repair guarantee

Which? members can login to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Car Insurance
Bank of Scotland review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
%
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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Bank of Scotland's car insurance policy: is it good or bad?

We analyse and rate the 58 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

Bank of Scotland did not supply us with up-to-date data on its policy. Therefore, this analysis is based on its policy as of July 2018. We will next update our table in January 2020.

Policy element Details Rating
Interest charged on
payment by instalments (APR)
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No fault no claims discount
(NCD) benefit?
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Uninsured driver NCD benefit? Logged out score Logged out score
Renewal fee Logged out score Logged out score
NCD protection claims
(number per year)
Logged out score Logged out score
Theft of keys limit Logged out score Logged out score
Fire excess
(standard compulsory)
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Theft excess
(standard compulsory)
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Accidental damage excess
(standard compulsory)
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