From Hold to Handled

The UK's largest bank, Lloyds Banking Group, saw heavy strain in home insurance call centres: high call volume, rising operating cost, and unhappy customers. Data showed that three call types ("Amendments," "Cancellation Calls," and "Policy/Cover Queries") consumed nearly 75% of total handling time and over 250 FTEs. Average resolution ranged from 359 to over 1,000 seconds, leaving teams little room for good service.

As design director, I led a ten-person team across Lloyds Bank, Halifax, Bank of Scotland, and MBNA. We aligned on one design system, prototyped quickly, and tested with 200+ people to ship clear, rule-based flows for amendments and cancellations. Self-serve for policy queries reduced phone volume without pushing complexity onto customers, and agents stayed free for complex cases.

Lloyds cut cost and frustration by moving the heaviest insurance jobs into digital self-serve, the same routes that had consumed three-quarters of handle time.

Average resolution time fell by about 75%; digital self-serve crossed 60% within six months. Satisfaction climbed as waits and transfers shrank. Savings went back into better service and simpler upsell paths, on infrastructure the group could extend to the next wave of products.