Everything you need to know about Tesco car insurance

What is Tesco car insurance?

Tesco car insurance is car insurance provided by Tesco Bank, which is a subsidiary of Tesco plc. Tesco car insurance is underwritten by Tesco Underwriting Ltd.

Tesco offers third party cover plus different tiers of Comprehensive cover, with discounts for Tesco Clubcard members.

How to contact Tesco car insurance?

You can use the Tesco car insurance contact number to contact them. The Tesco car insurance phone numbers are:

For existing policyholders: 0345 246 2895 (Monday to Friday: 8am – 8pm, Saturday and Sunday: 9am – 2pm)

How to compare Tesco car insurance quotes

You can compare Tesco car insurance quotes here

Tesco car insurance reviews

Tesco car insurance has received the following reviews:

Trustpilot: 4.2 stars (21,028 reviews) [1]
Which?: 67% Policy Score on its standard policy (10^th out of 34) and 70% Customer Score(11^th out of 15).

What types of cover can you get with Tesco car insurance?

Tesco car insurance offers six levels of cover, four of which are fully comprehensive (Bronze, Silver, Gold, and black box), alongside Third Party only and Third Party, Fire and Theft.

You can view what is included within each tier below:

	Silver (Third party)	Silver (Third party, fire and theft)	Bronze	Silver	Gold	Black box
Level of cover	Third party	Third party, fire and theft	Comprehensive
Injuries to others	Yes
Damage to other people’s property	Yes
Theft	No	Yes
Fire damage	No	Yes
Repairs	No	No	Yes
Legal costs	Optional
Medical expenses	Emergency up to £100 per person	Emergency up to £100 per person	Emergency up to £100 per person, personal accident up to £1,000	Emergency up to £100 per person, personal accident up to £5,000	Emergency up to £100 per person, personal accident up to £7,500	Personal accident up to £7,500
Driving other cars	Yes	Yes	No	Yes	Yes	No
Courtesy car provision	No	No	Yes	Yes	Yes (enhanced)	Yes
Breakdown cover	Optional
Windscreen	No			Yes
Personal item cover	No			Up to £200	Up to £500	Up to £150
Locks and keys cover	No	No	Up to £300, if stolen	Up to £750, if stolen	Market value, if lost / stolen	Optional

Black box insurance‍

Outline above, Black box insurance could be an option for a younger driver (you have to be between 17 and 35 for the cover).

You choose to take out either a 6,000-, 8,000- or 10,000-mile policy (this can be changed later) and are then monitored on your driving. If you drive safely, you can benefit from an extra 100 miles per month. You’ll have access to a portal to view how many bonus miles you’ve accrued and how safe your driving is.

If you’re a Clubcard member, you’ll get a guaranteed discount:

Clubcard discount

While you won’t receive Clubcard points for making car insurance payments, you will receive a discount of up to 10% if you input your Clubcard when taking out a policy on their online portal.

How to make changes or cancel Tesco car insurance

If you need to make any changes, such as adding a driver or changing your vehicle, or cancel Tesco car insurance, you will need to call them on:

0345 246 2895 (Monday to Friday: 8am – 8pm, Saturday: 9am – 2pm, Sunday: 9am – 2pm)

If you cancel within 14 days of taking out your policy, the fee is £25. Outside that window, the fee is £40. [2]

How to make Tesco car insurance claims

If you need to make a claim, you can call the following Tesco car insurance contact numbers:

For claims: 0345 677 3377
For box insurance claims, call: 0330 022 2525
For windscreen claims, call: 0330 022 9449
For breakdown assistance: 0333 202 1897

You can also make Tesco car insurance claims online.

[1] 25 out of 39 in the Bank category – this score is not specifically for their car insurance, but Tesco Bank as a whole. Accessed 15-Feb-2024

[2] Accessed 15-Feb-2024

‍