Where the score comes from

Each source counts by its number of reviews. Only reviews written by people are scored.

Rating, volume, share of the score, six-month trend and fake-review risk for each source
Source	Rating	Reviews	Weight	6-mo	Fake risk
Trustpilot Imported Trustpilot reviews	1.6	1,060	100%		● Low

1.6 / 5 overall

1,060 reviews across 1 scored source

How fake risk works ⓘ

Reputation trend

Monthly average rating from reviews written by people · latest review Sep 2025.

Last 3 months: 1.5
12-month avg: 1.6
All-time: 1.6
Category avg: 4.3

Monthly averageCategory average

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Insurance.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Service	Website & app	Value	Trend	Reviews
Lloyds Bank InsuranceThis company	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
Frontier Home Insurance	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
JustCover Travel Insurance	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
247 Home Rescue	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
Travel Insurance Saver	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).

Krish Advani

1 review

Jul 6, 2025

Staff don’t listen and talk over customer

Third day in a row had to call fraud team as my transaction to pay money to myself has been stopped. Each team member I spoke to at Lloyds in order Stephen, Gary and today Grace - have each time decided to talk over me whilst I was complaining to them why I was being stressed out. They ask the most impertinent questions in particular what are you spending this money on!!! What’s the relevance - my money was stopped and I have to call them to release it - surely this action implies that I want to continue- but they also ask that as the last question ! I understand that crime online is massive but I don’t need to walked by their hand to move my money. These sums were deposited in four separate payments into my account but NONE of these flagged as suspicious or gave their fraud team any alert - so happy to revive income but not happy to release it. Do I have control of my own finances or do Lloyds control what I am able to spend my money on. They read scripts and then deny reading a script but word for word each agent read the same spiel and wasted my time - again no acknowledgement of the fact I advised each of them I was mentally aware of scams,fraud and online manipulation. This was so stressful and made my anxiety levels rise it affected my current medical condition. I know I can switch Banks and have considered this but my loyalty over the last 60 years account for nothing and I know that most institutions that we all have to use such as banks are as bad as each other and only shareholders and profits are important - customers are just an inconvenience. Lloyds bank need to listen to the three calls and arrange a review of staff training. I have another transaction to handle in the next 24 hours and I can guarantee it will be stopped. I have a feeling my account might now be tagged to cause me further frustrations - Lloyds need to turn back the clock and stop relying on AI technology and place the customer first. I feel burnt out trying to get my feelings across to them.

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Martin Winlow

1 review

Jul 4, 2025

Total and Utter Ineptitude

I have imported a machine for my private use from China which has now arrived at Greenock port in Glasgow. Prior to its arrival I contacted a well-established import agent to handle the importation and that agent has today sent me an invoice for payment of VAT, duty and their fees which I today tried to pay, online, from my Lloyds personal current account which I have held since 1975. I logged into my account and set up the transfer and eventually was told that there was a problem and to ring the fraud department. I was not wildly surprised due to the sum involved but got a bit fed up when after waiting 15 minutes to get through to them and having been asked a load of truly moronic questions (despite my explaining the full circumstances to the Lloyds representative) and eventually the call failed. Thinking they might call me back knowing their own system was going to be busy, I waited for 10 or 15 minutes for them to do so but no call happened. So I then rang them back again, waited another 15 minutes to get through to someone, got the same series of daft questions from another representative, again explained the full circumstances and essentially that it was not a scam and realistically any reasonable person listening to me would also understand that it was not a scam. Despite all this Lloyds declined to allow me to *spend my own money the way I want to* and refused to permit the payment to go through online. They said the only way I could do it from my personal account would be via a debit card. Unfortunately the import agent in question does not accept debit cards (not unreasonably). This is not the first serious failure I have experienced with Lloyds. Indeed, I had to close my business account five years or so ago with them after an error on Lloyds' part caused me to temporarily lose access to several thousand pounds and a caused great deal of work and stress over obtaining a court order to get them to release it, a process that cost the best part of a thousand pounds… It's a long story. As a result of my dealings with Lloyds this morning I decided to make a complaint and rang them to do so. I eventually got through to someone and explained the circumstances to them and they said that they would have to transfer me to another department and you guessed it... on doing so, that call failed as well. As a consequence of all this I have decided to terminate my personal account with Lloyds and would strongly recommend that no one be stupid enough to open an account of any sort with Lloyds Bank whose attitude, work practices and systems all appear to firmly reside in the 19th century. Instead I would recommend they try one of the new online ('challenger') accounts. There is absolutely no disadvantage to doing so any longer as the only real advantage of being with one of the main online banks was there approachability and of course that matters for nothing anymore. It is all really rather sad.

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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

Lloyds Bank Insurance reviews & trust report

Lloyds Bank Insurance has a poor customer experience.

Best for

Watch out for

Where the score comes from

Reputation trend

What people praise & complain about

Top praiseof 64 positive reviews

Top complaintsof 430 negative reviews

How it compares

Reviews

Customer reviews (1,060)

Terrible from top to bottom

Brilliant Fraud Prevention Team

Shambolic - Avoid

Lloyds Bank Insurance FAQ

Is Lloyds Bank Insurance a legitimate company?

Is Lloyds Bank Insurance a scam?

What services does Lloyds Bank Insurance offer?

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Alternatives to Lloyds Bank Insurance

Frontier Home Insurance

JustCover Travel Insurance

247 Home Rescue

Travel Insurance Saver

International Card Services

eCapital Freight Factoring

The CrowdTrust Experience⭐

Staff don’t listen and talk over customer

Their 'message us 24/7' service is so bad I'm considering moving banks all together

Lloyds made me homeless

I've done absolutely nothing wrong

I wish I could review with 0 stars

After been with Lloyds Bank for 3 years…

Unnecessary complexity with banking app, unable to download bank statements!!

Can't pay anyone but myself through a…

Terrible company

Incompetent bl

Total and Utter Ineptitude

Debit card always being blocked

Arbitrary reduction in Overdraft

Unsatisfactory Lloyds Service

I will be switching my current account…

I want help, not a complaint handler

Lloyds Chat Service

About Lloyds Bank Insurance

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