Get a comprehensive quote today

Lloyds Bank Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

What is Comprehensive Car Insurance?

Comprehensive Car Insurance or ‘Fully Comp’ as it’s sometimes known, is one of the highest levels of car insurance. This type of insurance covers you and damage to your car and also covers third parties if you’re involved in an accident.

In the event of a car accident where your car is damaged, you can make a claim and have your car fixed. This also includes damage caused by theft or attempted theft and fire.


Get up to £100 cashback with our insurance

Take care of what you value most, and we'll take care of you - a cashback reward with our range of insurance products: home, motor and life.

£50 cashback for two eligible insurance policies and £100 for three eligible policies.

If you purchase or renew a policy between 02 April 2024 and 02 July 2024. The policy needs to be held on 02 August 2024.

You must purchase new policies directly from Lloyds Bank online, by phone or in a branch. The policy cannot be purchased through a price comparison website.

More about our cashback offer

Terms and Conditions apply

What are the benefits of Comprehensive Car Insurance?

Features and benefits

  • 3 year guarantee on approved claims repairs - get peace of mind with our guaranteed repairs
  • Courtesy car – whilst your car is at one of our approved repairers. Subject to availability and eligibility
  • New car replacement – if a car you bought new in the last 12 months is stolen and not recovered
  • Vandalism cover – if your car is damaged maliciously, you're still protected
  • 60 Days European Union Cover - enjoy the same level of cover as you get in the UK

Service you can trust

  • 24/7 online My Account - manage your car insurance policy online when it's convenient to you
  • 24/7 Emergency Claims Helpline - available to help 24 hours a day, seven days a week if you need to make a car insurance claim
  • 24/7 Emergency Windscreen Helpline - available to take your call 24 hours a day, seven days a week

What is covered by Comprehensive Car Insurance?

While this insurance tends to be the most expensive level of car insurance, it offers a greater level of protection.

Table outlines the features of Fully Comprehensive Car Insurance

What am I protected against?

What is covered

What is not covered?

What am I protected against?

  • Accidental or malicious damage
  • Fire
  • Theft and attempted theft
  • Vandalism.

What is covered

  • The car and accessories
  • Personal belongings
  • Glass damage
  • Personal Accident Cover
  • Driving abroad
  • Replacement locks if your keys or ignition activation device is stolen.

What is not covered?

  • Misfuelling the car
  • Loss or damage to the car due to leaving the car in a state where it’s either left running, unlocked, open or unattended
  • Loss or damage to money, credit debit/cards and telephones
  • The excess for all relevant claim types shown in the schedule of Insurance.

Please note that terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may also be affected. For more information please refer to the  Insurance Product Information Document: Comprehensive (PDF, 210KB).

Electric cars

Our car insurance covers electric vehicles. You’ll get the following benefits:


  • Battery cover – whether your battery is leased or owned we’ll cover accidental damage, fire and theft
  • Cable cover – your charging cable is covered for accidental damage, fire and theft
  • Additional cover – with RAC Breakdown cover, all vans carry charging units to get you back on the road.

Some manufacturers may require you to have separate battery insurance.

Electric car charging

Not sure what type of car insurance is right for you?

Not sure what type of car insurance is right for you?

If you're looking for car insurance but you're not sure which type of cover you need, we're here to help.

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I'm new to Lloyds Bank

Get an online car insurance quote with Lloyds Bank Car Insurance. You can also retrieve a saved quote.

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Get a quote by phone

If you'd prefer to speak to someone, call us to get a quote on 0330 018 1403.

Lines are open Mon-Fri 8am-8pm, Sat 8am-6pm, Sun 10am-4pm and Bank Holidays 9am-5pm. Calls and online sessions may be monitored and recorded.

Get peace of mind with optional extras

We offer additional cover options. You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

Find out more about optional extras

Terms, conditions and exclusions apply.

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