Tesco Car Insurance Review: Should You Buy It?

Tesco Car Insurance Review: Should You Buy It?

While Tesco Bank has earned 5 stars from defaqto, read about common customer complaints before you sign up.

Good for

  • 5 star defaqto rating
  • Lower cancellation fees
  • Customer service open 7 days a week
  • Motor Legal included if you buy direct

Bad for

  • Lower customer reviews
  • Keys only covered if you buy the add on

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Wondering if Tesco car insurance is a good choice? Read our review to find out if Tesco would suit your needs and which important features you'll need to add on, plus learn how existing policyholders review their customer service.

If you're ready to compare a Tesco car insurance quote against the market, get quotes from over 100 brands including RAC, Admiral and Hastings in under 2 minutes, click the blue "Get Quotes" button below.

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In This Review

Tesco Bank Car Insurance Overall Review

Tesco Bank car insurance offers a solid set of features and a 5-star defaqto rating, but be aware that customer ratings highlight some issues with customer service, the online systems and price rises on renewals.

If you are a loyal Tesco shopper and like the idea of having Tesco Bank car insurance, there are a few ways to save money on your policy. While it's good to check prices at comparison sites, and you should when comparing prices, it's worth noting that for those buying direct, you'll get Motor Legal Protection included as standard and Clubcard Members are guaranteed a discount. Whether or not that discount is enough depends on the prices and how other rates in the market compare for your profile.

We took a look at what's covered by Tesco comprehensive car insurance bought from their website, and found that cover is solid and includes most "must have" categories (according to the Money Advice Service) as standard—however key cover needs to be purchased separately. (NCD is, as usual, an add on feature as well.)

Accommodation cover if you're stranded after an insured accident is a bit low (£150 max) but otherwise they offer a pretty good set of features as you can see in the table below, which compares the features as mentioned on the Tesco website to what you'd ideally get from a good policy.

How Good is Tesco Bank Car Insurance?A Good Policy IncludesDoes Tesco Deliver?Tesco Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
thumbs up
Up to £200
thumbs up add on
If you buy the add on (theft only)
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on
Car recovery after accidentIncluded
thumbs up
Courtesy car (repairs)Minimum 14 days
thumbs up
Repairs guaranteed (if use approved repairer)12-month guarantee
thumbs up
Up to 3 years
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old; first owner
thumbs up
If damage repair will cost more than 60% of the buying an identical new car at the time
Stereo and satellite navMarket value for manufacturer fitted
thumbs up
Unlimited cover included for manufacturer-fitted original equipment; up to £1,000 for other permanently -fitted equipment
Alternative transport & Hotel after accident£250+
red x
Up to £150
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
If you buy the add on (max 28 days)
Motor legal expensesStandard or add-on extra
thumbs up add on
Included as standard when you buy direct
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up
Up to 90 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Larger/premium courtesy carStandard or add-on extra
thumbs up add on
If you buy the add on
No fault NCD protectionStandard
red x
Not available
Uninsured driver NCD protectionStandard
thumbs up
Cancellation feeNo more than £50
thumbs up
£40 after cooling off period

Tesco Car Insurance Customer Service Reviews and Ratings

Tesco Ratings & Customer Reviews
Trustpilot customer service rating3.5 out of 5
Defaqto3 stars (Box Insurance) & 5 stars

Is Tesco Car Insurance any good? Tesco Bank car insurance gets 5 out of 5 stars from Defaqto, which is an indication of the features provided by Tesco car insurance. While we agree that Tesco car insurance rates well for features, their customer reviews are a mixed bag. Please keep in mind that the Trustpilot and Reviews.co.uk ratings are based on Tesco Bank as a whole, which includes home insurance, travel money, credit cards, etc. We've read through hundreds of reviews to see what real customers have to say about their car insurance specifically. Here's what we found:

Tesco Car Insurance Trustpilot

Tesco Bank has only earned 3.5 stars out of 5 at Trustpilot, with 57% of customers giving Tescobank just 1 star indicating a bad experience. However, this is an increase of just over 2 stars in only one year.

Here is a sample of the more common complaints:

"Absolute disgrace with the Auto Renew—if I hadn't noticed this, I would have been charged for insurance I did not want. It says on my account online that you can switch off at any time- the ONLY way you can do ths is write to them—is this 1970?—or call their call centre and hang on for half an hour for them to answer. A disgrace in this day and age that you cannot do this online. "

"If you had the misfortune of buying any add ons (Breakdown cover, key cover etc) from them along with your insurance, upon cancellation of policy they make you pay for these 'add ons' in full and CANCEL them as well."

Note: the last complaint is related to no refund on add ons when you cancel a policy—this is quite common in the industry and not unique to Tesco.

Tesco Car Insurance Reviews.co.uk

On the other hand, customers rate Tesco with a higher score of 3.58 out of 5 stars on Reviews.co.uk. Reading the reviews, we noticed complaints about online systems, inconsistencies regarding rates going up at renewal and unhelpful customer service. But some customers are happy with the price and customer service:

"Warning! Just cancelled my Tesco car insurance and they charged me £51 for cancellation fee!!"

"Put me at fault when was the other drivers."

"Car insurance renewal is higher than previous year price...without any claims."

"Excellent car insurance, good service and helpful staff. Renewal costs for 2nd years cover went down which was a welcome bonus."

"I've bought car insurance in a fair price, but best thing is that I got further discount with club card."

Tesco Bank Car Insurance Charges and Fees

Tesco charges £40 to cancel your policy after the initial 14-day window, but doesn't charge a fee to cancel during the cooling off period. Changes such as adding a driver or a change of address cost £25 to make over the phone and are free to make online through the customer portal.

Tesco Bank Insurance Cancellation Fees
Cancellation, within 14-day, cooling-off period£0
Cancellation, after 14-day, cooling-off period£40

As always, you'll also have to pay any outstanding premium for time you were covered (this could mean getting a refund if you paid upfront).

Important Tesco Bank Car Insurance Phone Numbers

Car insurance customers can reach Tesco Bank customer service 7 days a week, on Monday to Friday from 8am to 9pm and Saturdays and Sundays from 9am to 5pm.

Tesco Bank Car Insurance Contact Numbers
Customer Services0345 673 000
24 Hour Helplines
Claims linesDepends on your underwriter
Glass Repair Helpline0345 677 8888

Policy Documents

To read about the real ins and out of a Tesco Bank policy, including what's covered and exclusions, read through the policy documents here.


Who Underwrites Tesco Bank Car Insurance?

  • Tesco Underwriting Ltd
  • AXA UK plc
  • Aviva Insurance Ltd
  • Sabre Insurance Company Ltd
  • Zenith Insurance plc

Does Tesco do multi car insurance?

Unfortunately, Tesco car insurance does not give traditional multi-car discounts for policyholders insuring more than one vehicle. However, apparently if you include your Tesco Clubcard number is listed on both policies (it must be the same Tesco Clubcard number) then you might receive a discount.

Other Car Insurance Reviews

If you'd like to compare Tesco Bank car insurance to other options in the market, see some of our other car insurance reviews below:

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.