Lloyds Car Insurance & Contact Details

How good is Lloyds Bank car insurance?

Lloyds Bank is a well-known UK provider, offering car insurance backed by a major insurer rather than underwriting policies itself.

Its current car insurance policies are underwritten by AXA UK, one of the largest insurers in the UK, which reports paying out on 99.7%^{^} of car insurance claims.

Lloyds focuses on a straightforward, digital-first experience, allowing customers to manage their policy, documents, and changes online through its account portal.

Independent research by Which? found that Lloyds Bank car insurance achieved a claims score of 74%^{^} in 2025, indicating that most customers were satisfied with how their claims were handled and how quickly they were resolved.

Get Lloyds Bank car insurance

Lloyds Bank Silver Car Insurance

⭐⭐^

Lloyds Bank Gold Car Insurance

⭐⭐⭐⭐⭐^

Lloyds Bank Gold Motor Legal Protection

⭐⭐⭐^

Damage, fire and theft
Uninsured driver damage
Other people's cars and property
Courtesy car
Windscreen cover
Personal accident cover
Drive other cars

Lloyds Bank Silver

£314^

Lloyds Bank Gold

£403^

See my best price

What is included in Lloyds Bank Gold car insurance?

Lloyds Bank Gold car insurance policies offer a more comprehensive level of protection, with higher limits and additional features such as:

Motor legal protection to help recover uninsured losses
Enhanced personal accident cover
Increased cover for belongings and expenses

Is Lloyds Bank Gold car insurance worth it?

Choosing Lloyds Bank Gold cover may be worthwhile if you’d benefit from higher payout limits and added protection such as motor legal expenses, especially if you drive regularly or rely heavily on your car.

Upgrading may be less necessary if you already have cover elsewhere, like standalone legal protection, or if you mainly use your car for short, low-risk journeys and are comfortable covering smaller costs yourself.

Pros of Lloyds Bank car insurance
- Backed by AXA UK, which reports paying out 99.7% of car insurance claims
- Trusted high street banking brand, offering a familiar and established name
- Good Which? claims rating^{^} score of 74%^{^}
- Digital account management, making it easy to view documents and manage your policy online
- Courtesy car and windscreen cover included on both Silver and Gold tiers
Cons of Lloyds Bank car insurance
- Fewer specialist policy types compared to some competitors (for example, limited options for learners or temporary cover)
- Breakdown cover is not included as standard and must be added as an extra
- Less emphasis on rewards or pricing benefits for specific groups such as young driver

	Lloyds Bank Silver	Admiral Essentials	Aviva Signature	Tesco Bronze
Price	£314^{^}	£645^{^}	£385^{^}	£501^{^}
Defaqto rating	⭐⭐	⭐⭐	⭐⭐⭐⭐⭐	⭐⭐
Which? claims rating^{^}	74%^{^}	74%	80%^{^}	N/A
Claims payout rate	N/A	98.9%	N/A	N/A
Uninsured driver promise^{^} included?	Yes	Yes	Yes	No
Courtesy car included?	Yes	Yes	Yes	Yes
Administration fees^{^}	Free online, £25 if calling in	£15	Free online, £18 if calling in	£25
Further information	Read more	Read more	Read more	Read more

Price data from MoneySuperMarket. Other data from provider website and correct as of April 2026.

Is Lloyds Bank a good car insurer for young drivers?

Lloyds Bank is a well-known and trusted UK brand, with its car insurance backed by AXA UK, which reports paying out 99.7% of car insurance claims. This can offer reassurance to younger drivers and their families, particularly when it comes to handling claims smoothly.

However, Lloyds Bank is not specifically designed for young or newly qualified drivers, and it may not be the most affordable option for those with little driving experience. Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash^{^} , Churchill^{^} and Marmalade Essentials^{^} .

Unlike some specialist providers, Lloyds does not offer dedicated products such as learner driver or short-term insurance. Its policies are more suited to drivers with some experience who are looking for straightforward, comprehensive cover from a familiar brand.

By Phone

Existing customers: 0344 209 0476
New customers: 0330 018 1403
The claims line is: 0344 209 0477
Claims lines are open 24/7
Other lines: 8am to 8pm Monday to Friday, 8am to 6pm on Saturdays and 10am to 4pm on Sundays.
Online Portal
Existing customers can use the MyAccount portal to:
- make changes to their policy and view policy documents
- change their payment details

How do I make a claim with Lloyds Bank?

If you need to make a claim on your Lloyds Bank car insurance policy, you should contact them as soon as possible after the incident. Claims are handled by AXA UK, and you can usually start the process online or by phone.

You’ll typically need your policy number, details of what happened (including date, time and location), information about any other drivers or vehicles involved, and any supporting evidence such as photos.

Lloyds Bank claims line:

0344 209 0477

Claims lines are open 24/7, but customers who bought policies after 01 May 2025 will only be able to claim online.

I'm coming up for renewal

You can tell Lloyds Bank at any point up until your renewal date that you do not wish to renew your policy. There is no charge for not renewing.

I've just taken out a policy

If you cancel your Lloyds Bank car insurance before your policy starts or within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid, minus a pro-rated amount for the days you were covered.

Lloyds Bank include a £40 "intermediary service" fee in their car insurance quotes. This is a charge for the admin work they do and will not be refunded.

If you wish to cancel your policy at any time later than 14 days after it started, you will be entitled to a pro-rated refund of your premium.

On top of the intermediary services fee, you will be charged an admin fee of £35, which will be taken out of your refund.

My policy has auto-renewed

If you cancel your Lloyds Bank car insurance within the first 14 days of your policy autorenewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.

Lloyds Bank include a £40 "intermediary service" fee in their car insurance quotes. This is a charge for the admin work they do and will not be refunded.

If you wish to cancel your policy at any time later than 14 days after it auto-renewed, you may be entitled to a pro-rated refund of your premium.

On top of the intermediary services fee, you will be charged an admin fee of £35, which will be taken out of your refund.

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Is it cheaper to buy Lloyds Bank car insurance through a price comparison website?

Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as Lloyds Bank compared with going direct. There are several ways we can help you save money:

our Price Promise¹ means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%^{^} of customers saved on their car insurance using this tool
our SuperSaveClub² rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass

We also make it quick and easy to compare Lloyds Bank policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.

¹^{Price Promise terms and conditions}

²^{SuperSaveClub terms and conditions}

How do I find my Lloyds Bank car insurance policy?

If you bought your Lloyds Bank car insurance through MoneySuperMarket, you can find your policy details by logging into your account. Your active policies will be shown on your dashboard.

If you bought directly, you can access your policy through your Lloyds Bank online account or insurer portal, where you’ll be able to view documents and manage your cover.

Will I be charged if I make a change to my Lloyds Bank car insurance?

Yes, Lloyds Bank charges an administration fee for making changes to your policy over the phone, such as updating your address or adding a driver. However, making changes online is free.

Your premium may also go up or down depending on the change you make. You should check your policy documents for the exact fee that applies.

Can I add other drivers to my Lloyds Bank car insurance policy?

Yes, you can add named drivers to your Lloyds Bank car insurance policy. You can usually do this by logging into your account or contacting customer support.

Adding another driver may increase or decrease your premium depending on their age, experience, and driving history. For example, MoneySuperMarket data shows that adding a driver under 25 can significantly increase premiums by £768.94^{^} on average.

Does Lloyds Bank car insurance include breakdown cover?

Lloyds Bank car insurance does not typically include breakdown cover as standard, but it can usually be added as an optional extra for an additional cost.

You don’t need to buy breakdown cover from Lloyds Bank, so you can choose a separate provider if you prefer.

How do I renew my Lloyds Bank car insurance policy?

Most Lloyds Bank car insurance policies are set to auto-renew. This means your policy will renew automatically at the end of the term using your saved payment details, ensuring there’s no gap in cover.

Lloyds Bank will contact you before renewal with details of your new price and any changes to your policy. If you don’t want your policy to renew automatically, you’ll need to let them know before your renewal date.

It’s often worth comparing car insurance quotes before renewing, as you may find a better deal elsewhere.

What's the difference between Lloyds Bank car insurance and online-only policies?

Lloyds Bank car insurance is generally managed through online accounts, allowing you to view documents and make changes digitally. Unlike some providers, Lloyds does not heavily differentiate between standard and online-only policies.

Can I pay my Lloyds Bank car insurance in monthly instalments?

Yes, you can usually pay for your Lloyds Bank car insurance in monthly instalments by Direct Debit. This is often more expensive than paying annually, as interest may be added to spread the cost.

What is Lloyds Bank?

Lloyds Bank is one of the UK’s largest and most established financial institutions, with a history dating back over 250 years. As well as banking services, it offers a range of insurance products, including car, home and travel insurance.

Who underwrites Lloyds Bank car insurance?

Lloyds Bank car insurance is underwritten by AXA UK. This means AXA is responsible for assessing risk and paying out claims, while Lloyds Bank acts as the brand providing and managing the policy.

There are a few implications to be aware of:

the claims experience is handled by the underwriter (AXA)
you may deal with Lloyds Bank for policy management and AXA for claims

There are no inherent disadvantages, but it’s worth checking your policy documents so you understand exactly who provides your cover and what is included.

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At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.

Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.

We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.

You can read more in our editorial guidelines.

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We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.

Our comparison service is, and will always be, free to use.

You can find out more about how we make money here.

Why should I use a price comparison website?

One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.

We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.

Does MoneySuperMarket work with all the providers on the market?

No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.

Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.

Is car insurance eligible for SuperSaveClub and rewards?

Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.

This includes:

Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos

To earn SuperSaveClub rewards on purchases you must:

Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase

More information can be found on our SuperSaveClub homepage.

Is car insurance eligible for Price Promise?

Yes, car insurance is included in our Super Save Price Promise.

If you buy through us then find the same deal for less we will:

refund the difference
give you a gift card worth up to £15

Terms and conditions apply. More information can be found on our Price Promise page.

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How good is Lloyds Bank car insurance?

Damage, fire and theft

Uninsured driver damage

Other people's cars and property

Courtesy car

Windscreen cover

Personal accident cover

Drive other cars