Firm analysis

Lloyds Bank General Insurance Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Lloyds Bank General Insurance Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,276 published decisions involving Lloyds Bank General Insurance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,276

Firm-specific decision volume in the public corpus

Upheld rate

29.4%

375 upheld decisions

Latest published decision 30 Dec 2025

Published decisions

1,276

Firm-specific decision volume in the public corpus

Upheld rate

29.4%

375 upheld decisions

Leading product

Insurance

752 decisions

Leading complaint theme

Delay In Claim Handling

114 tagged decisions

Lloyds Bank General Insurance Limited at a glance

Lloyds Bank General Insurance Limited appears in 1,276 published decisions in this corpus. 29.4% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Insurance is the firm’s clearest product exposure in the published decisions, with 752 decisions and an upheld rate of 28.3%.

  • Latest active year in the published data: 2025 (138 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Insurance Act 2015

Volume and outcome trajectory

Lloyds Bank General Insurance Limited's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Lloyds Bank General Insurance Limited appeared in 138 published decisions with an upheld rate of 30.4%.

  • 2025: 138 decisions, 30.4% upheld
  • 2024: 115 decisions, 27.8% upheld
  • 2023: 117 decisions, 36.8% upheld
  • 2022: 148 decisions, 25.7% upheld
  • 2021: 163 decisions, 30.1% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Lloyds Bank General Insurance Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Insurance Act 2015, Disp, Icobs are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Insurance: 752 decisions
  • Second complaint theme: Fraud Or Scam Concern
  • Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-597035330 Dec 2025Not upheld

Lloyds Bank General Insurance Limited · Insurance

DRN-5970353 The complaint Mrs C has complained that Lloyds Bank General Insurance Limited (“Lloyds”) unfairly declined a claim after her garden wall fell. What happened Mrs C held a building and contents insurance policy with Lloyds between June 2024 and June 2025. In April 2025, her ga... (2 pages)

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DRN-583872522 Dec 2025Not upheld

Lloyds Bank General Insurance Limited · Insurance

DRN-5838725 The complaint Mr P and Mrs G complained that Lloyds Bank General Insurance Limited (“Lloyds”) unfairly declined a claim for storm damage, under their home buildings insurance policy. I’ll refer to Mr P for ease. What happened Mr P noticed water ingress through an extractor f... (3 pages)

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DRN-580417419 Dec 2025Upheld

Lloyds Bank General Insurance Limited · Insurance

DRN-5804174 The complaint Mr M has complained that Lloyds Bank General Insurance Limited trading as MBNA (Lloyds) cancelled his home insurance policy without notice. He complains that he is unsure of how to apply for alternative insurance in light of the cancellation by Lloyds. What hap... (3 pages)

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DRN-599156218 Dec 2025Upheld

Lloyds Bank General Insurance Limited · Insurance

DRN-5991562 The complaint Mr and Mrs I complain about how Lloyds Bank General Insurance Limited (“Lloyds”) dealt with a claim they made on their home insurance policy. Mr and Mrs I are joint policyholders but for ease I’ll refer to Mrs I since she has brought the complaint to this Serv... (4 pages)

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DRN-591321115 Dec 2025Upheld

Lloyds Bank General Insurance Limited · Insurance

DRN-5913211 The complaint Ms K complains about the way Lloyds Bank General Insurance Limited (“Lloyds”) handled a claim she made on her home insurance policy. What happened Ms K held an insurance policy with Lloyds which covered her property. She contacted them to raise a claim for an ... (4 pages)

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