Tesco Bank offers 2 car insurance packages for drivers. Its standard policies are for drivers over the age of 21, while Box Insurance is a “black box” insurance policy for drivers aged 17–35.
Tesco Bank offers 3 levels of comprehensive cover for drivers over the age of 21, plus a good “black box” option for drivers aged 17–35. It also offers a third party and third party, fire and theft policy.
If you are a Tesco Clubcard member, it’s worth getting a quote, as you will be eligible for a discount on your premium.
Get started by visiting Tesco’s website and sign up for a policy. If you have read this review and decided that Tesco car insurance is not for you, you can also compare other car insurance policies on the market.
Pros
Clubcard holders get a discount on their premiums.
Windscreen cover is included as standard.
24/7 claims line available.
Cons
Comprehensive cover is only available from the age of 21. Customers can get the Tesco Bank Box Insurance policy from the age of 17 (up to 35).
Some customers reported a hike in premiums on renewal.
Tesco is the biggest supermarket chain in the UK, but the household name also offers decent car insurance cover, with 3 comprehensive policies available to choose from. Find out what each option includes and how this supermarket giant fares in the world of car insurance.
Tesco is a household name when it comes to your weekly food shop. But not many know that Tesco also offers financial services through Tesco Bank.
Tesco Bank’s products include credit cards, loans, savings accounts and several types of insurance, including car, home and pet.
Who underwrites Tesco car insurance?
Tesco Bank car insurance is arranged and administered by Tesco Bank and is underwritten by Tesco Underwriting Ltd.
What’s covered under my policy?
Tesco bank offers 3 levels of comprehensive car insurance, black box, third party and third party, fire and theft.
Product Name
Tesco Box Insurance
Tesco Gold Comprehensive
Damage to your car
✓
✓
Damaged windscreen and window glass
✓
✓
Fire and theft
✓
✓
Medical expenses
✓
✓
Personal belongings
✓
✓
Liabilities to third parties
✓
✓
No-claims discount
✓
✓
Replacement locks
✓
✓
Permanently fitted audio equipment
✓
✓
Optional extras
Breakdown cover
Upgraded courtesy car cover (only available for policies for those aged 21 and over)
Driver injury cover (only available for policies for those aged 21 and over)
Key cover
What are Tesco Bank’s different policies?
Tesco’s lowest level of comprehensive cover offers up to £100 in medical expenses, a small courtesy car if your car needs fixing after an accident, replacement child car seats after an accident (up to £300), 90 days of cover in the EU and up to £1,000 of personal accident cover.
This mid-range comprehensive cover has everything Bronze has, plus an uninsured driver promise, windscreen cover, audio/visual/electronic equipment cover and £200 of personal belongings cover. If you’re involved in an accident and make a claim, you can get up to £150 towards any costs you incur to get to your destination or home again after.
Tesco’s top comprehensive policy offers everything in Silver, with cover for misfuelling, lost keys, an enhanced courtesy car and replacement child car seats. It has higher levels of personal belongings cover (£500), personal accident cover (£7,500) and getting home after an accident (£500).
Third party only cover meets the legal minimum to insure against third-party claims, but provides no cover for your own car.
This policy covers for third-party claims and also for fire or theft to your own vehicle. Tesco only offers it for cars valued under £5,000. It also comes with replacement child car seat cover up to £300, EU cover for up to 90 days and emergency medical treatment up to £100 per person.
Tesco’s Box Insurance is specially designed for drivers aged 17–35. It’s a comprehensive policy and requires a telematics box to be installed in your car. You choose a policy to cover 6,000, 8,000 or 10,000 miles and are able to upgrade if you need to. You’ll earn rewards for safe driving and the box can track the car if it’s stolen. If it’s involved in an accident, it alerts Tesco, who can call for help if necessary.
How do I make a claim?
You can make a claim online or by calling 0345 677 3377.
Numbers to claim for optional extras added to your policy can also be found on this page.
If you need to make a claim on your Tesco Bank Box Insurance policy, then you can call the Box Insurance claims helpline on 0330 022 2525. Make sure you have your policy number to hand.
What is my excess?
An excess is the amount of money you contribute to the cost of your claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. Details of your excess amounts will be displayed in your policy schedule.
Sometimes more than one excess will apply and, in this case, Tesco Bank will add them together.
There are 2 types of excess:
Compulsory excess, which is set by the insurer underwriting your policy. This is added to the voluntary excess you choose, to give the total amount of excess you will pay if you make a claim.
Voluntary excess, which comes in addition to any compulsory excess. You can set this as low as you want to reduce the amount you have to pay if you make a claim, or you can increase it, which may reduce your premium. Make sure you can afford to pay the amount you set, should the need arise.
The Tesco Bank claims team is available around the clock, 7 days a week.
Tesco Bank car insurance customer reviews
We found reviews for Tesco Bank on 2 review platforms (updated on May 2024). Bear in mind that is the whole company and not just insurance.
On Trustpilot, Tesco Bank has an “Excellent” rating of 4.3 stars, from over 27,800 reviews. On Reviews.io, Tesco Bank has a rating of 3.6 stars from over 500 reviews.
How to cancel Tesco Bank car insurance
To cancel your Tesco Bank car insurance policy, you’ll need to call Tesco on 0345 673 0000.
There’s £25 fee for cancelling your policy within the first 14 days or £50 fee for cancelling after 14 days.
Frequently asked questions
When you get a quote online, you are given the option to pay in monthly instalments. You will need to pay a deposit to take out the policy, followed by monthly payments by direct debit, spread across the policy term.
Yes. Clubcard members get a guaranteed discount on their Tesco car insurance premiums. The amount varies, but you can get a discount on renewal as well.
You can check your expiry date and policy details online.
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 369 Finder guides across topics including:
Jason is a freelance writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
Find out how agreed value car insurance works and if it’s the right option for you.
Feedback
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
