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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 30 other providers. 

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

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
  • Driving other cars cover

Unfortunately, its car insurance cover pointedly failed to impress in our analysis - coming joint second-last in our Policy Score table. This time we didn't receive enough survey responses from its customers to generate a Customer Score.

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Bank of Scotland's car insurance policy: is it good or bad?

We analyse and rate the 53 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.

Inititally, 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.

Table last updated in January 2018. Next updated in July 2018.

Most important policy elements
Policy element Details Rating
Interest charged on payment by instalments (APR) Subscriber only content Subscriber only content
No fault no claims discount (NCD) benefit? Subscriber only content Subscriber only content
Uninsured driver NCD benefit? Subscriber only content Subscriber only content
Renewal fee Subscriber only content Subscriber only content
NCD protection claims (number per year) Subscriber only content Subscriber only content
Theft of keys limit Subscriber only content Subscriber only content
Fire excess (standard compulsory) Subscriber only content Subscriber only content
Theft excess (standard compulsory) Subscriber only content Subscriber only content
Accidental damage excess (standard compulsory) Subscriber only content Subscriber only content