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Car insurance

Escape to the highlands. You can feel confident our car insurance has you covered.

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Bank of Scotland 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.

Already got a quote? You can retrieve it online

All we need is your surname, date of birth and quote reference number. If you'd like to speak to someone about your quote, please get in touch.

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Internet Banking

As an Internet Banking customer, you can get a quote and buy a new policy through your Internet Banking.

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9 out of 10 customers would be likely to recommend Bank of Scotland Car Insurance.

Based on a survey of new Bank of Scotland Car Insurance customers between 01 March 2024 and 31 August 2024, 3623 of 3868 customers scored us 7 out of 10, therefore 94% (9 out of 10) are likely to recommend us to a friend or family member.

What our customers have to say

"Exceptionally easy process and excellent price."

"The whole process was very easy to follow."

"Very transparent and logical process to arrange insurance. Competitive price as well."

 

Take a closer look at Bank of Scotland car insurance​

Whether you’re looking for Comprehensive cover that offers more benefits, Third Party, Fire and Theft or car insurance. We can help you find the right level of car insurance to suit your needs. ​

Important information: 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 relevant Insurance Product Information Document. Comprehensive (PDF, 118KB), Third Party, Fire and Theft (PDF, 5.5MB), Third Party (PDF, 5.5MB). 

 

Comprehensive​

Offers you the greatest level of protection and benefits. ​

  • 3 years guarantee on approved claims repairs​.
  • Courtesy car​.
  • New car replacement​.
  • Vandalism Cover​.
  • 60 Days European Union Cover​.
  • 24/7 My Account access.
  • 24/7 emergency Claims Helpline.

Third party, fire and theft​

Offers you basic cover with the added benefits of covering you if your car is stolen or damaged by fire. 

  • 60 Days European Union Cover​.
  • 24/7 My Account access.
  • 24/7 Emergency Claims Helpline​.

Third party​

Third Party cover is the most basic level of cover. It provides cover in the event of a car accident where someone else’s car or property is damaged.

  • ​60 Days European Union Cover​.
  • 24/7 My Account access.
  • 24/7 Emergency Claims Helpline​.
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Electric cars

With the move to the next generation of vehicles, our car insurance ensures you will be covered and provides 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. 

A range of optional extras are available and with RAC Breakdown Cover all vans carry charging units to help you get back on the road should you run out of charge.

Some manufacturers may require you to have separate battery insurance.

Optional extras​

Do you want extra peace of mind? You can upgrade your car insurance policy by choosing from a range of extra cover options. Here are the optional extras you can choose from:​

Terms, conditions and exclusions apply to all benefits. In the event of a claim normal Excess applies and No Claims Discount may be affected.


See optional extras​

Get a quote by phone

If you'd prefer to speak to someone, please get in touch.

You can call us using Relay UK if you have a hearing or speech impairment. If you want to communicate with one of our representatives, add 18001 before the number you require. There's more information on the Relay UK help pages.

My Account

95% of our customers have set up online servicing to view their policy information and make policy changes such as amending vehicle.*

 

If you’re an existing customer, you can access My Account. With My Account, you will be able to make changes to your car insurance policy online.  

 

You’ll also find helpful information on how to make a car insurance claim. We have answered some of the most frequently asked questions about claims too. 

 

See existing customers

 

*Based on a total number of Bank of Scotland Car Insurance customers as at 19th Sept 2024 who had set up “My Account” online servicing (except for changes to Add Ons, excesses or change of main driver / registered keeper).

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Ukraine crisis

If you are using your vehicle in the UK to support the humanitarian crisis unfolding in Ukraine and have Bank of Scotland car insurance cover, you do not need to tell us about your change in circumstance or amend your policy. You’ll continue to be covered by your existing policy.

Help and information

Bank of Scotland car finance

If you’re 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