Compare Car Insurance

Compare Car Insurance

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

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.

 

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.

 

Comprehensive Car Insurance

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

Table outsides 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, 118KB)

 

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 outsides 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: Comprehensive (PDF, 118KB)

 

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 outsides 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: Comprehensive (PDF, 118KB)

 

Get a quote by phone

If you'd prefer to speak to someone,  call us to get a quote on 0330 018 2884.

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. 

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.

Car Insurance optional extras

Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:

Guaranteed Replacement Car Cover
RAC Breakdown Cover
Motor Legal Protection
Keycare Cover
No Claims Discount Protection (NCD)

Find out more about Car Insurance upgrades

Terms, conditions and exclusions apply to all benefits. Normal Excess applies and No Claims Discount may be affected. 

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