Tesco Car Insurance Review: Should You Buy It?

Tesco Car Insurance Review: Should You Buy It?

Tesco Bank policies are well rated and their customer reviews have improved in the past year or so, which is a great sign.

Good for

  • Lower cancellation fees
  • Customer service open 7 days a week

Bad for

  • 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.

Cheap Car Insurance in Your Area

Quickly compare over 100 UK insurance providers.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare over 100 UK insurance providers.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/quote.nimblefins.co.uk\/car-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/quote.nimblefins.co.uk\/home-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/quote.nimblefins.co.uk\/bike-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/quote.nimblefins.co.uk\/pet-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/quote.nimblefins.co.uk\/travel-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"travel"}],"title":"Cheap Car Insurance in Your Area"}

In This Review

Tesco Bank Car Insurance Overall Review

Tesco Bank car insurance offers a solid set of features and is well worth considering.

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. For instance, while it's good to check prices at comparison sites, it's worth noting that for those buying direct, Clubcard Members are guaranteed a discount so long as they tell Tesco their Clubcard number when they get a quote.

To write this review, we took a look at what's covered by Tesco comprehensive car insurance bought direct from their website. We 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. (Protected 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 and the policy booklets found there 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
Optional add on
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
Included up to £300 per incident
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 rating4 out of 5

Is Tesco Car Insurance any good? Tesco Bank car insurance rates well for features.

And Tesco Bank customer reviews have improved in the past year or so, which is good. 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 some of what we found:

Tesco Car Insurance Trustpilot

Tesco Bank has earned 4 stars out of 5 at Trustpilot, with more than half of customers giving Tescobank an Excellent 5 star rating. Their rating has climbed in recent years, which we're happy to see.

Here is a sample of the more common complaints and some praise from happy customers:

"I found Tesco Bank Car Insurance very easy to take out and was covered promptly for the services I needed. I had to sell my car during the cover period and one phone call and some simple answers were all I needed. I would recommend them as an insurance provider for motor insurance."

"Received a good deal!! Arranged very competitive car insurance very quickly.

"Happy Driver. Tesco Car insurance is good value for money and the staff are knowledgeable and helpful."

"One happy bunny!! Great service provider-a well known and trusted brand-easy to complete the info required and a very competitive price. Saved myself over £100 on car insurance rather than automatically renewing with my previous provider!"

"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 terms of the policy that specify no refund on add ons when you cancel a policy—this is quite common in the UK car insurance industry and not unique to Tesco. Many insurance complaints are by customers who don't fully understand the rules of the policy. It's a contract, so be sure to read the ins and outs so you're not unpleasantly surprised by some of the rules at a later date.

Tesco Car Insurance Reviews.co.uk

Other customers rate Tesco Bank with a score of 3.6 out of 5 stars on Reviews.co.uk. Reading the reviews and looking specifically into complaints, we noticed some issues with online systems, rates going up at renewal and unsatisfactory customer service. But many customers are happy with the price and customer service. Here's a sample of the customer reviews we found:

"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."

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

"... This year they increase my car insurance £20 monthly more than year before..."

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

Tesco Bank Car Insurance Charges and Fees

According to the latest available terms of business we could find online, Tesco charges £40 as standard to cancel your policy after the initial 14-day window, but doesn't charge a fee to cancel during the cooling off period, which is a positive. 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
For queries and changes to your policy or any additional cover0345 246 2895
Get a quote0345 366 8631
24 Hour Helplines
Claims linesDepends on your underwriter and type of cover. Find out more here.
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 Bank standard car insurance is underwritten by Tesco Underwriting Ltd. and is arranged by Tesco Personal Finance plc (trading as Tesco Bank), acting on behalf of Tesco Underwriting Ltd. In addition, their add-on insurance products are underwritten by a range of insurers, such as:

  • 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) and you buy direct then you might receive a discount. We don't have a handle on the size of the discount, unfortunately.

Does Tesco do young driver insurance?

Tesco Bank standard car insurance is for those at least 21 years old, but Tesco Bank Box Insurance is special black box insurance for those aged 17 to 35. This is underwritten by Aioi Nissay Dowa Insurance UK Limited.

With this policy, they'll install a black box in your car and the device shows Tesco Bank how you drive. You can log into your own online portal to track your driving, buy top-up miles, etc. Drivers choose to take out a 6,000, 8,000, or 10,000 mile policy depending on how much driving you expect to do (but you can get top-up miles if needed).

In our opinion this black box policy is less appealing than some other options in the market, due to needing installation of a physical black box that can take up to 14 days to install. Having a physical black box also leads to higher cancellation fees, e.g. up to £90. Some other options rely on an app which can be simpler to set up and make tracking of your driving easier as well.

How do I change my car with Tesco car insurance?

Changing your car with Tesco car insurance can be done in a few steps via your online account. And if you make the change online, you won't have to pay the £25 administration fee. BUT, as with all car insurance, changing your car might cause your premium to change. This is normal (e.g. if you're changing to a more valuable car, your premium will naturally increase). Here are the steps to change your car online with Tesco car insurance:

  • Log in, select the policy you want to change and then click 'View policy'.
  • From the menu, click 'make changes' then select which kind of change you want.
  • From the menu page under 'Your car' , click 'Change your car'.
  • Select the date you want your change to take effect from.
  • Read the statements carefully and click 'Confirm' if you'd like to go ahead.
  • Enter your new registration and click 'Find my car'.
  • If the vehicle details are correct click 'next'. If the details are not correct, please select 'This is not my car' and manually enter the correct details.
  • Select 'next', then you'll see a summary of the changes you want to make.
  • Click 'save and get quote' (don't worry, this doesn't execute the change, it only gets you a quote. You can abandon the change on the next screen.)
  • You'll see the cost to make the change and the option of adding any optional extras.
  • If you want to proceed with the change, click 'Go to checkout'. Otherwise, click 'Back to your account'.

That's it! It's pretty straightforward to switch your car with Tesco car insurance.

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 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.


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.

Car Insurance

  • You could save up to £504*
  • 4.8 out of 5 stars**
  • Quotes from 100+ providers

Motor Insurance Reviews

NimbleFins Newsletter

Get deals, tips, news, and more!