for Car Insurance

Choosing the right level of car insurance cover

Car insurance is essential if you are planning on driving and is a legal requirement.

There are three levels of cover that you can choose from and it’s important to get the right level of cover to suit your needs.

You can choose from:

Fully Comprehensive

Third Party, Fire & Theft

Third Party

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.

Fully 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

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

Third Party, Fire and Theft Car Insurance

Third Party, Fire and Theft does not cover damage to your car if you’re in an accident or incident. However, it does cover the cost of damage to a third party. This would include their car, property or any medical injuries to the third party as a result of the accident or incident. Your car will be insured in the event that it is stolen or damaged due to a theft or attempted theft. The car will also be covered if it is damaged due to a fire.

Table outlines the features of Third Party, Fire and Theft Car Insurance

What am I protected against?

What is covered

What is not covered?

What am I protected against?

  • Third Party damage
  • Fire
  • Theft and attempted theft

What is covered

  • loss or damage to your car and its accessories caused by fire, theft or attempted theft
  • the bodily injuries or death of a third party
  • damage to a third party’s car or property caused by your car
  • driving abroad

What is not covered?

  • loss or damage to your car and its accessories caused by accidental or malicious damage or vandalism
  • loss or damage caused by leaving the car in a state where it’s either left running, unlocked, open or unattended
  • glass damage, unless it’s be caused by a theft or attempted theft
  • loss or damage to personal belongings

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected. For more information please refer to the Insurance Product Information Document: Third Party, Fire and Theft (PDF, 210KB).

Third Party Car Insurance

Third Party Car Insurance is the minimum level of cover you can take out to enable you to drive on public roads. It meets the legal requirements and provides cover to third parties in the event of an accident or incident. However, it does not cover any damage to your car or property.

Table outlines the features of Third Party Car Insurance

What am I protected against?

What is covered

What is not covered?

What am I protected against?

  • Third Party damage

What is covered

  • damage to someone else’s car or property that’s been caused by your car following an accident or incident
  • driving abroad

What is not covered?

  • loss or damage to your car and its accessories caused by accidental or malicious damage or vandalism
  • loss or damage caused by leaving the car in a state where it’s either left running, unlocked, open or unattended
  • glass damage, unless it’s be caused by a theft or attempted theft
  • loss or damage to personal belongings

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

I'm new to Lloyds Bank

Get an online car insurance quote with Lloyds Bank Car Insurance. It only takes a few minutes to get a quote for your car insurance. You can also retrieve a saved quote.

Get a quote nowfor car insurance

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 Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holiday’s 10am-4pm.

Get peace of mind with additional cover options

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 Car Insurance upgrades

Terms, conditions and exclusions apply.

Lloyds Car Finance

If you are in the market to buy a new or used car, or to switch your current car finance, have a look at our car finance options.

Find out more about car finance

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.