Lloyds Bank General Insurance Limited

Reference number: 202091

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    0345 300 0110

  • Address

    Lloyds Banking Group Plc, 11-12 Wellington Place, Leeds, LS1 4AP, United Kingdom

In the full report: 2 background checks

  • What kind of line 0345 300 0110 is
  • Who else gives the postcode LS1 4AP
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Other names (7)

If you were contacted under any of these names, it is this firm.

  • Bank of Scotland Trading name
  • Halifax Trading name
  • Lloyds Trading name
  • MBNA Trading name
  • Continental Guaranty Corporation Former name
  • Lloyds TSB General Insurance Limited Former name
  • TSB General Insurance Limited Former name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
  • Accepting Deposits
  • Arranging (bringing about) deals in investments
  • Carrying out contracts of insurance
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and Ombudsman complaints

FCA action

fine
1
in fines
£90.7m
most recent
July 2021
  • Fined £90.69m on 8 July 2021
    On 8 July 2021, the Financial Conduct Authority (the “Authority”) has imposed a financial penalty on Lloyds Bank General Insurance Limited, St Andrew’s Insurance Plc, Lloyds Bank Insurance Services Limited and Halifax General Insurance Services Limited (“LBGI”). The reason for this action is because between 1 January 2009 and 19 November 2017, LBGI breached Principle 3 (Management and control) and Principle 7 (Communications with clients) of the Authority’s Principles for Businesses in relation to the way it communicated with home insurance customers at renewal. As a consequence of this action, LBGI received a financial penalty of £90,688,400 pursuant of section 206 of the Act. The FCA’s action took effect on 8 July 2021 and a copy of the Final Notice is displayed on the FCA's web site.

Ombudsman complaints

new complaints, January–June 2025
342
upheld, against a 31% median
33%
about insurance
341

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
00204373
Company status
Active
Company type
Private limited company
Incorporated
9 March 1925 (101 years old)
Registered office
25 Gresham Street, London, EC2V 7HN
Nature of business
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Gayle Elaine Schumacher Director May 1959 24 Jul 2019 21 other companies
William Leon David Chalmers Director Jul 1968 9 Aug 2019 20 other companies
Chirantan Barua Director Nov 1973 31 May 2023 13 other companies
Matthew Hilmar Cuhls Director Aug 1974 1 Jan 2024 15 other companies
Shingirai Thaddeus Nyahasha Director Jan 1974 15 Jan 2024 15 other companies
Kirstine Ann Cooper Director Aug 1964 1 Mar 2024 18 other companies
Paul Gerard Mcnamara Director Sep 1966 2 Sep 2024 49 other companies
Mary Helen Trussell Director Jun 1963 7 Jul 2025 13 other companies
Dena Jane Brumpton Director Dec 1963 2 Feb 2026 17 other companies
Danuta Gray Director Nov 1958 1 Jul 2026 15 other companies
Krishna Venkata Raman Secretary Not published 1 Mar 2026 –

Other companies run by these 10 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
70
closed down
13
went insolvent
1

In the full report: all 70 companies, named

  • What each company does, and whether it is still trading
  • Which of these 10 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 27 on the FCA register
  • The 21 companies these 10 directors run together
  • All 89 people who have ever been directors, with their dates
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Key dates in its history

Lloyds Bank General Insurance’s history from the FCA register and Companies House, newest first.

Key events (13) All events (185)

2025

11 September 2025

  • Lloyds Bank General Insurance Holdings Limited gave up control
  • Scottish Widows Group Limited took control (75–100% of shares)

Companies House

2021

8 July 2021

  • Fined £90.69m by the FCA

FCA register

2016

6 April 2016

  • Lloyds Bank General Insurance Holdings Limited took control (75–100% of shares)

Companies House

2013

23 September 2013

  • Changed its registered name from "Lloyds TSB General Insurance Limited"

FCA register

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1997

31 December 1997

  • Changed its registered name from "TSB General Insurance Limited"

FCA register

1988

30 June 1988

  • Changed its registered name from "Continental Guaranty Corporation"

FCA register

1925

9 March 1925

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 185 events

  • All 185 events in its history (13 shown here)
  • Every director appointment and resignation: 163
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Firms connected to Lloyds Bank General Insurance

Other FCA-listed firms that share a director, phone number or address with Lloyds Bank General Insurance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
12
share a director
12
share its postcode
2

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Lloyds Bank General Insurance

Other firms of the same type (insurer), nearest first.

In Leeds

Homecare Insurance LimitedLeedsAuthorisedSt Andrew's Insurance PLCLeedsAuthorised

Elsewhere in the UK

Chubb European Group SELondonAuthorisedRAC Insurance LimitedWalsallAuthorisedGreat Lakes Insurance UK LimitedLondonAuthorisedAviva Insurance LimitedNorwichAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Lloyds Bank General Insurance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 70 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 185 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lloyds Bank General Insurance Limited FCA authorised?
Yes, Lloyds Bank General Insurance Limited (FRN 202091) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed no limits on its permissions.
What is Lloyds Bank General Insurance’s phone number?
The FCA register lists the phone number 0345 300 0110 for Lloyds Bank General Insurance. If you were given different contact details, use these to check with the firm before going any further.
Is Lloyds Bank General Insurance a scam or clone?
Lloyds Bank General Insurance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Lloyds Bank General Insurance?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Lloyds Bank General Insurance to the Financial Ombudsman Service, free of charge.
Who owns Lloyds Bank General Insurance?
Lloyds Bank General Insurance is owned by Scottish Widows Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 11 September 2025. Before that, it was controlled by Lloyds Bank General Insurance Holdings Limited.
Who runs Lloyds Bank General Insurance?
Companies House lists 10 directors of Lloyds Bank General Insurance: Gayle Elaine Schumacher, William Leon David Chalmers, Chirantan Barua, Matthew Hilmar Cuhls, Shingirai Thaddeus Nyahasha, Kirstine Ann Cooper and 4 more.
How long has Lloyds Bank General Insurance been in business?
The company was formed on 9 March 1925, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against Lloyds Bank General Insurance?
Yes. The FCA register records 1 fine in 2021, £90.69m in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Lloyds Bank General Insurance get?
In January–June 2025, the Financial Ombudsman Service received 342 new complaints about Lloyds Bank General Insurance, and upheld 33% of those it decided.
Does Lloyds Bank General Insurance use any other names?
It trades as Bank of Scotland, Halifax, Lloyds and MBNA. It has previously used 3 other names: Continental Guaranty Corporation, Lloyds TSB General Insurance Limited and TSB General Insurance Limited.

Sources and links

The full report on Lloyds Bank General Insurance Limited

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