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.
One morning, I suddenly found out that my account was closed, no information was announced. Went to the bank asking about that and then received an unacceptable answer from the staff. "Your account was closed, and we couldn't provide you with the reason" Wow! Ridiculous!
I believe LLoyds Bank are guilty of being ageist, because they expect people who are elderly, infirm, lack knowledge, lack the funds to buy a printer, and those who simply Do not understand online banking & want PAPER STATEMENTS DELIVERED to their door. Not too much t ask when you think we GIVE our money to them! I no longer have a printer like many ordinary senior living beings & I do not want the expense of buying one. Therefore I want my paper statements instigated as soon as possible from today. All 3 reps of LLoyds have said "Yeah Sure" Well lets see you action the "Yeah" Send thse of us who want apaer billing to our homes. LLoyds bank controlled by Central Bank Do NOT need that little profit.
Transferred back and forth had to recall to go through same process again. Was promised technical glitch would be fixed in 10 days I waited and it wasnt. Wait time is crazy.
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.
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Club Lloyds Account. BEWARE. Beware, Lloyds Customers, that the Club Lloyds Account offers tiered (variable) interest, as I just discovered to my cost. The information printed on the monthly statement is not the same as on their website. Why bother reading a written monthly statement if it is inaccurate, misleading or ambiguous? For clarity, interest is paid at 1.5% on balances up to £4000. Interest of 3% is paid on balances up to £5000 BUT ONLY on the balance above £4000. No interest is paid on any balances above £5000. To be clear; NONE. Should you believe that, if your balance is higher that £4000, you will receive 3% on the entire balance at a 3% interest rate. YOU WON'T. Imho, this is grossly misleading. I will be reporting this (discrepancy) to the FCA. I am not annoyed about my lost interest. Clearly, the 3% is just an attention grabber; click bait, perhaps. As no-one holds more than £5000 in such an account. I did ! Not tomorrow though. Or is/was this just, what I believe, is a marketing led deliberate ambiguity to mislead the public ?
Absolutely shocking experience with this bank and would suggest avoiding at all costs !! Little or no regards for its customers and zero loyalty. How times have changed.
Terrible customer service and they seem to deliberately obstruct or delay complaints investigation, even going to the devious extent of covering up for colleagues by deleting messages, chat, etc. So dishonest and unhelpful - AVOID!!!
Disgusting money grabbers.
I havebeen banking with Lloyds for over 30 years. Dillon is helpful and knowledgeable, his counter service skill is outstanding Even at busy time , long que , he makes a eye contact with smile and asks if he can do anything more for you .He is an asset to the bank. God Bless You , Dillon.
I'm trying to close the account. The app have that option but it doesn't let you. I tried to call, but when finally talked to the human, she didn't hear me. The bot tells me to use the app. When used chromium based browser I wasn't able to do much online.
Worst bank ever u tray to transfer money from Ur own app from Ur phone from Ur home address all the right code entered and transfering to another Lloyds account which means same bank same people won't let u and u have to stay on phone for hour and get there permeation to spend Ur money??! And then answer by rude guy think his giving u a favour I rather be robbed the ask permission from people has nothing to do with Ur hard earning money
I just spoken to "Rajat" at Lloyds who called me a Liar! I contact Lloyds as a new customer as the system locked me out after one attempt to log in. I contacted Lloyds for help and was told their system registered multiple attempts to log in which is not true. I asked for support but was called a liar and told to go ring someone else. Is this the level of customer service Lloyds Bank gives?
Tried to make a payment to my own account. Account got blocked can’t even see my balances, said it is under review and no access to any of my money or cards … I have a flight in 5 hours and not a penny to go as they have blocked everything!
With regards to my complaint over a week ago, this is the slack response from the complaints team, that actually didn't even call, they have you sat waiting waiting wasting more of my time. Didn't Professionally commit to a time as common sense would dictate. Terrible service yet again!!
I have been with Lloyds bank for around 10 yrs and I am done. They closed the high street office in Borehamwood so I had to turn to the app. The app is hell, I can never log in when I am not home and using WIFI , at times I needed to log in and I was just so frustrated with the timer going round it drove me to distraction. I am a patient person but if I am paying for something I expect something in return. I am leaving lloyds and happy to go!
Would give you zero stars but it's not an option. Only been banking with them 6 months and will be closing down the account and refuse to bank with them ever again. They have repeatedly failed to transfer my money to another investment account with another provider and have basically kept my money from being moved. There are no issues with the account and have provided no reason apart from it must be the other provider having a problem. No it is not as they have accepted funds from another account without a problem. No manager call back received as promised and still have no access to my money. Disgraceful and if I had not had access to money elsewhere, I would have lost the opportunity to pay into this investment in time before it closing. I will never bank with Lloyds again.
I have held at least one Lloyd's Bank account since 1959. I have recently noted an issue with my online accounts but cannot get this resolved due to the totally useless VA.
Just upgraded from Club Lloyds to Lloyds premier. Got a text tonight saying that a 'financial coach' from Lloyds would call tomorrow between 9 and 10am. No option to refuse the call. No option even to change the appointment. I don't want your dumb coach, I don't want you to call me while I'm working -- you guys have heard of working, right? -- and I don't want you pretending that you're being helpful instead of cross-selling me crap I don't need! I guess I put my phone on silent tomorrow. Or just block that number, but that might be a problem if I ever do want to call my bank about anything. How in the 21st century can anyone not have a basic option to cancel or reschedule the appointment?!
I have just rung Lloyds Bank mortgage department & feel folk complain so much these days & rarely give PRAISE __ & a thank you goes a LONG way these days .A young man answered my call he gave his name CLEARLY as being Lewis & I have to say he was Awesome dealing with my enquiry _ I made him chuckle too as I retired November 2024 aged 81 . Lewis answered all my questions clearly & gave me GREAT advice bless him .
Been with Lloyds since I had a bank! Never had any issues.
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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