National Lloyd’s Auto Insurance Review (2020)

National Lloyd’s does not provide auto insurance at any level. Looking for coverage? Save up to 20% by comparing quotes below for free.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 25, 2020

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Company Details
Address: 510 N Valley Mills Drive, Suite 202
City: Waco
State: TX
ZIP Code: 76710
Phone Number: 1-800-749-6419
Year Founded: 1948
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to Remember...

  • National Lloyd’s is a subsidiary of a private investment firm in Texas
  • National Lloyd’s offers personal lines of homeowner’s, renters, and fire insurance
  • National Lloyd’s does not provide personal or commercial auto insurance

National Lloyd’s Insurance Company is a Waco, Texas-based insurance provider founded in 1948. They are a subsidiary of a Dallas-based private investment firm known as Hilltop Holdings Inc.

National Lloyd’s should not be confused with a British banking company known as Lloyd’s TSB that also offers various lines of insurance as part of its business.

Detailed information about National Lloyd’s is limited as they prefer to divulge as little as necessary online.

National Lloyd’s offers personal lines of insurance in the areas of general homeowners, renters, fire and flood, and mobile home insurance.

Unfortunately, National Lloyd’s does not provide auto insurance at either the personal or business level.

Auto insurance can be very tricky to navigate on a large-scale basis, which is why some companies shy away from it.

If you need car insurance in Texas or any of the other states covered by National Lloyd’s, you’ll have to look elsewhere.

However, the company would be happy to provide you with a policy from any of its other lines of coverage.

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National Lloyd’s Locations

National Lloyd’s appears to only have a single office in a Waco.

It does claim to have a vast network of local independent agents scattered throughout the states it services.

Unfortunately, it doesn’t provide a means of locating agents through its website. Consumers will have to contact them directly in order to glean that information.

National Lloyd’s claims it values its agent relationships above all else. Independent agents are largely responsible for its expansion outside the state of Texas, and its ongoing efforts to grow as a company.

Their website provides the necessary applications and forms for interested agents who want to become part of the National Lloyd’s family.

Approved agents also have access to a special section of the website that enables them to interact with the company through the various agent tools.

Using independent agents is a standard practice in the insurance industry. This business model allows agents to represent multiple companies over all other lines of insurance.

By having multiple companies to choose from, agents can compare policies according to the needs of their customers to find the best fit.

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National Lloyd’s Quotes and Claims

The National Lloyd’s website is very limited in what it offers, ostensibly for security purposes. You will not find an online tool to help you get started in purchasing a policy.

Instead, you’ll have to contact the company at its Waco headquarters or find a local agent near you. Due to the nature of its business, this may not be a bad idea.

The types of insurance it offers require more detailed information than car insurance, making it a bit more difficult to produce an accurate online quote tool.

In the area of claims, the company website gives no advice on how to proceed with initiating claims service.

National Lloyd’s provides only a single phone number on their website, which we assume is the correct number for a claim. It also provides various e-mail addresses to different departments within the company.

If all else fails, there should be claims information listed on policy documents. Barring that, policyholders can contact their local agent for further advice.

Exactly how much help the local agent can be in making a claim is unclear. Regardless, all claims will have to go through the corporate office in order to be fully processed.

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