Lloyds Bank Insurance, part of Lloyds Banking Group, offers a range of insurance products tailored to meet the needs of personal and business customers. The company provides various types of insurance, including home, car, and travel insurance, ensuring that clients can protect their assets and manage risks effectively. With a focus on delivering reliable financial services, Lloyds Bank Insurance caters to individuals seeking comprehensive coverage as well as businesses looking for tailored insurance solutions. Customers can access these services through the Lloyds Bank website, where they can manage their policies and make claims online. The company emphasizes customer support, providing dedicated contact options for personal and business inquiries to assist clients efficiently.
Lloyds Bank Insurance receives overwhelmingly negative feedback, with many reviewers expressing frustration over poor service and account management. Customers report issues such as accounts being closed without explanation, long wait times for customer support, and transactions being blocked without notification.
Specific complaints highlight a lack of checks regarding account closures, leading to distress for those affected. However, some positive experiences emerge, particularly regarding helpful staff members like Jackie and Alister, who provided excellent assistance during challenging situations. Additionally, a few customers appreciate the perks of the Club Lloyds account, noting that day-to-day banking has been satisfactory.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 1.6 | 1,060 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Oct 24 | 1.5 | 111 |
| Nov 24 | 1.4 | 101 |
| Dec 24 | 1.5 | 80 |
| Jan 25 | 1.8 | 89 |
| Feb 25 | 1.7 | 78 |
| Mar 25 | 1.3 | 102 |
| Apr 25 | 1.5 | 86 |
| May 25 | 1.6 | 95 |
| Jun 25 | 1.8 | 77 |
| Jul 25 | 1.1 | 46 |
| Aug 25 | 1.5 | 10 |
| Sep 25 | 1.9 | 50 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 500 most recent reviews.
“She was the most helpful and cheerful customer service person I have ever dealt with”
“Where premier banking really means “possibly better than the rest of our leads t clients, but we’re still far worse t...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Insurance.
| Company | Overall | Legit | Service | Website & app | Value | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 1.6 out of 5 (poor) | 100 out of 100 | 1.7 out of 5 (poor) | 1.5 out of 5 (poor) | 1.2 out of 5 (poor) | +3% | 1,060 |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | 3.9 out of 5 (good) | — | 1,060 | |
| 4.9 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 5.0 out of 5 (good) | 4.9 out of 5 (good) | — | 60 |
Bottom line: Lloyds Bank Insurance is #5 of 5 on overall rating in this group. On value, Travel Insurance Saver scores higher (4.9 vs 1.2).
500 reviews of Lloyds Bank Insurance. Filter by what matters to you.
Over a year ago
Where premier banking really means “possibly better than the rest of our leads t clients, but we’re still far worse than most”. I have a premier account and I would be wrong if I said the service wa... See more
Over a year ago
Had to set up a new phone after mine was stolen. Was having problems getting Lloyds cards added to new device. Spoke to a wonderful woman called Jackie. We had to go through quite a few steps. She was... See more
Quick answers to the questions people ask most.
Lloyds Bank Insurance has numerous reviews on various platforms, reflecting a mix of experiences. While some customers report issues, others highlight positive interactions, indicating a complex reputation.
Based on verified reviews, Lloyds Bank Insurance is not a scam, but some customers express safety concerns about account management and transaction handling, noting frustrations with account closures and support.
Lloyds Bank offers a range of financial services including personal and joint accounts, insurance products, and various banking features. Specific services may vary, so it's best to check their official website.
Customer support can be reached through their website or by phone. However, reviews suggest that response times may vary, with some customers experiencing delays.
Common complaints include account closures without notification, poor customer service, and issues with transaction approvals. The bank appears to be addressing some of these concerns, but customer feedback indicates ongoing challenges.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Where premier banking really means “possibly better than the rest of our leads t clients, but we’re still far worse than most”. I have a premier account and I would be wrong if I said the service was next to useless, it is in fact totally useless. If you manage to get past the barrage of bots AI messengers and AI phone chat services yipu never get through to the section or team to which you need to speak. They repeatedly will Put me through to the section to which I need to speak which turns out to the the number In phoned in the first place which eventually routes me to whichever poor operator isn’t on the phone and is not equipped to assist who puts me back to the beginning of the process. It’s rally not premier in fact it’s worse than most banks offer as standard. Having Disney + from club Lloyds is a very great perk but I honestly could not recommend Lloyds in. Any way, they seem to be I. Complete Chaos. I could talk all day but every intersection with them is painful.
The bank closed a joint account of mine, the joint party that closed the account does not have mental capacity. No checks were made regarding the mental capacity. The account was just closed, the person did not have a bank card for this account never has had a card and they could not remember ever having this account. An absolute nightmare to contact the bank and trying to find a branch that's open is virtually impossible. Telephone operator completely useless, I spent over 5 hors trying to sort this out its still not resolved,
Very bad, waste your time
Had to set up a new phone after mine was stolen. Was having problems getting Lloyds cards added to new device. Spoke to a wonderful woman called Jackie. We had to go through quite a few steps. She was the most helpful and cheerful customer service person I have ever dealt with. Find out who she is lloyds and give her a huge pay rise, she single-handedly raised you in my estimation.
Just want to thank the gentleman called (Alister, sounded Scottish ) who kindly helped me today ( Sunday 14th September). I was really worried about recurring money coming out of our joint account. Through his guidance I managed to find the source and stop the subscriptions. Thankyou so much.
Suspending accounts randomly, for any reason they choose. I'm permanently locked out of my account because of a less than £1 purchase. Second time, last time. Only a court order will release it, and that is exactly what I'm going to do. The UK is extremely corrupt, so I'm debanking myself. Cash only now and I'm loving it! Don't be the next victim. There's a very good reason Lloyds Banking Group (includes Halifax, Bank Of Scotland) have a 1.6 Trustpilot rating, and even this isn't accurate as ratings for the worst companies never seem to go much below, no matter how extensive the 1-star ratings.
Lloyds bank is horrendous i woke up at 1.30 am to a message telling me they were closing my account and have given me no reason as to why so can't access money in my savings to withdraw iv only been with the 2 months so my advice is DO NOT JOIN LLOYDS there are better trust worthy banks elsewhere.
Terrible!! My transactions are repeatedly blocked as the bank thinks they are fraudulent activity. I’ve spent 4 hours with customer services to try and get the account working again without much success. Extremely slow and unhelpful process!! With this rate it’s making the account unusable! Considering closing my account as I can’t use it properly anyways and have wasted too much time already on getting it useable. It’s truly the worst customer service I have ever experienced.
Decline transactions without notifying, pathetic in this day and age.
After being a customer since 2015 I placed some chargebacks for just eat WITH evidence - low and behold account closed. I would chargeback an apple mac if I wanted to commit fraud. Worst bank in the country. Thankfully I’m with chase going 3years. I also never charged back a single thing until this year, I won so make it make sense lol
Very fragile app, which often fails to get to the logon page whichever method you use, face recognition or a code. Have to uninstall and reload for it to work. So irritating I’m moving banks.
They have cost us £1,000's due to a property chain collapse because they could not be bothered to send the executed transfer to our solicitors. False promise and dates with nothing. They are slower than a snail going backwards to reply. DO NOT USE THEM
This started off as a note to Lloyds Bank customer services - but there is no way to feed back genuine concerns about the way the bank I have been with for about 14 years. Online you are presented with a frustrating unusable AI tool, no email address is published and even any letters received from the bank only have a postcode. So I will publish the letter here and hopefully Lloyds - who I have spent a lot of happy years with - will see it and respond. Dear Lloyds - I'm seeking clarification of a Lloyd's policy on an in-bank practice. Every time I use a Lloyd's branch, before I get to the counter, there is always a bank employee who wants to know why I wish to proceed to the counter. I only ever use the branch when I want to transact business that cannot be done online or at the cashpoint, so I am not really sure what the value add is in this and given that there are usually only a small amount of generally very busy people behind the counter, it seems to be not the best way of using resources. My question relates to this policy. Is this something that Lloyds intend to phase out or is it something that customers will have to continue to endure. Apart from Lloyds I also have accounts with (name 1 redacted) and (name 2 redacted) and they seem to offer a more traditional service which I prefer, so I am very keen to find out if this is something that will continue to be an everyday part of my occasional Lloyds branch visits. Thanks.
I have a Lloyds personal account based online Nearest branch is 17 George street Tamworth B79 7LW 45 Minutes away on Foot I recently was scammed and Lloyds action was to freeze my account. Withholding £415 of my money unless I go in person to the local branch I explained i am house bound With no friends. Or carers to help me And as they have frozen my account so no money avaliable for a taxi To which they replied get a friend to give you some money They said there's nothing we can do to help you So much for their caring attitude Sort Code 77-31-11 Partial Account xxxx5568
I joined Lloyds for their Club Lloyds account. Day to day banking has been great and I've never experienced any problems. I receive six free Vue cinema tickets a year and this is a good perk. I convinced my partner to switch too and we now also get free Disney+. Overall this is a good bank; better than many others.
tride to transfer my present account to Nationwide as only Bank in area.0 Was met after a while by young man who askled me to wait for another adviser. a further customer adviser arrived while we were seated and wa very dismissal stating "You will have to do this on the Ipad? Why is she incapable? Also wanted advice about investment accounts and interest rates. When then told to wait for another customer adviser. No one attended to so after a long wait I walked out in disgust at the poor customer service. They wil now give the standard answer " If you would like to complain please visit this website."
Awful Service and a Terrible bank! awful customer service. I was calling and messaging about a fraudulent claim and kept me waiting over an 1hr and 30 mins and 3 days on email. I would NEVER Bankd with LLOYDS EVER AGAIN! i wouldnt even give them 1 star if i could! terrible service!!!!!!!!!!
Myra helped me with my banking details she was so kind and helpful what a great experience this was in Luton branch
LS12 ‘ served by S aslam
I’ve been a loyal Lloyds customer for 32 years and always relied on the mobile app to manage my day-to-day banking. Until recently, it was straightforward and reliable. Unfortunately, the most recent update has made things significantly worse. Logging in now takes far too long, with authentication screens that hang or fail to load. Cheque deposits, which were once simple, have become a real headache. Overall the app feels slower, less intuitive, and less reliable than before. For customers, speed and ease of use are critical. The update seems to have prioritised design changes over functionality, and the result is an app that actively makes banking harder. I really hope Lloyds listens to customer feedback and invests in fixing these issues quickly. Reliable mobile banking isn’t optional—it’s essential.
Lloyds Bank Insurance, part of Lloyds Banking Group, offers a range of insurance products tailored to meet the needs of personal and business customers. The company provides various types of insurance, including home, car, and travel insurance, ensuring that clients can protect their assets and manage risks effectively. With a focus on delivering reliable financial services, Lloyds Bank Insurance caters to individuals seeking comprehensive coverage as well as businesses looking for tailored insurance solutions. Customers can access these services through the Lloyds Bank website, where they can manage their policies and make claims online. The company emphasizes customer support, providing dedicated contact options for personal and business inquiries to assist clients efficiently.
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