Tesco Car Insurance

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What Do You Need To Get A Quote With Tesco?

Who Are Tesco Car Insurance?

What Does Tesco Car Insurance Cover?

Tesco Bank offers three comprehensive car insurance policies that cover the following:

Bronze

  • Comprehensive cover
  • Courtesy car cover
  • European cover – 90 days
  • Fire and theft cover
  • Child car seat cover – limited to £300
  • Emergency medical cover – up to £100
  • Personal accident cover – up to £1,000 for serious injuries
  • 24-hour online accident reporting – helpline open 7 days a week
  • Audio/visual equipment cover – satnavs, stereos
  • Minimum compulsory excess = £200

Silver

  • Comprehensive cover
  • Courtesy car cover
  • European cover – 90 days
  • Fire and theft cover (for vehicles worth under £5,000)
  • Windscreen cover
  • Uninsured driver promise – when struck by an uninsured driver
  • Personal belongings cover – up to £200
  • Planned destination cover – up to £150 for costs incurred getting to your destination
  • Minimum compulsory excess = £100

Gold

  • Comprehensive cover
  • Courtesy car cover (enhanced)
  • European cover – 90 days
  • Windscreen cover
  • Uninsured driver promise – when struck by an uninsured driver
  • Misfuelling
  • Key cover
  • Child car seat cover
  • Personal belongings cover – up to £500
  • Personal accident cover – up to £7,500 compensation
  • Planned destination cover – up to £500 for costs incurred getting to your destination
  • Minimum compulsory excess = £0

What Are The Types of Tesco Car Insurance?

What Are The Levels Of Tesco Car Insurance?

Like any standard car insurance policy in the UK, there are three levels to choose from:

Third-party only (TPO)

This is the lowest level of car cover, allowing you to drive on UK roads legally. It is a legal requirement.

It only covers costs incurred to third-party persons and their property/vehicles if you injure/damage them while driving. It won’t cover repair or replacement costs for your vehicle or personal injuries.

Note: Tesco Bank car insurance only offers TPO for Silver policies.

Third-party, fire and theft (TPFT)

This is a medium-level cover that includes basic TPO. In addition, you’ll be compensated for repair/replacement costs if your vehicle is damaged by fire or stolen.

Note: Tesco Bank car insurance only offers TPFT for Silver policies.

Comprehensive

As mentioned above, Tesco offers three types of comprehensive cover: Bronze, Silver and Gold.

These include both TPO and TPFT cover with the addition of extras such as a courtesy vehicle, child car seat cover and lost key insurance.

What Optional Extras Can You Add To Tesco Car Insurance Policies?

Tesco Bank car insurance offers several policy add-ons:

Black box cover

Black box insurance will allow drivers who prioritise safe driving to reduce their insurance premiums. A black box is a device that collects data, it’s fitted to your car and will monitor your driving behaviour. This may be especially useful for inexperienced or young drivers.

Breakdown cover

A breakdown cover policy is handy as roadside accidents or car malfunctions are often unpredictable. It provides roadside assistance for everyday driving or additional cover when driving in Europe.

Note: RAC Insurance Limited is the underwriter for Tesco Bank Breakdown Cover.

Key cover

Get peace of mind with this optional extra, whether keys are lost, stolen, broken or locked inside the vehicle. This is available from 14 days after taking out your Tesco policy to a maximum of £1,500.

Note: Ageas Insurance Limited is the underwriter for Tesco Bank Key Cover (claims handled by Keycare).

Upgraded courtesy vehicle cover

This policy gives you a courtesy car similar in size to your current vehicle for up to 28 days. This is included in Gold policies.

Note: Tesco Underwriting Limited is the underwriter for Tesco Bank Upgraded Courtesy Car Cover.

Motor legal protection

This policy provides financial aid for legal costs and expenses up to £100,000. Check the policy booklet for full terms and conditions.

Note: AmTrust Europe Ltd is the underwriter for Tesco Motor Legal Protection.

No claims discount

You may be eligible for a no-claims discount (NCD) for every year you don’t claim on your policy, to a maximum of five years.

How Much Does Car Insurance Cost With Tesco?

How Can I Get Cheaper Tesco Car Insurance Rates?

How To Compare Tesco Car Insurance Quotes With SimplyQuote?

Comparing quotes with SimplyQuote is quick and stress-free:

  1. Fill out the online questionnaire with your personal details and vehicle registration.
  2. Select the level of cover you’re interested in and any add-ons you want to include.
  3. Compare quotes quickly to find the best deal.
  4. Save cash today!
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Frequently Asked Questions

How do I contact Tesco Bank?

You can contact Tesco Bank via:

  • Live chat via their site: Monday to Friday 08:00 – 19:45; Saturday 09:00 -16:00
  • Post: Tesco Personal Finance. PO Box 104010, George House (4th Floor), 36 North Hanover Street, Glasgow, G1 2YG
  • Phone: 0330 022 2202 (phone 0330 022 2525 for claims)
  • Website: www.tescobank.com/car-insurance/
  • Operating hours (call centre): Monday to Friday 08:00 – 20:00; Saturday 09:00 – 16:00
What if I wish to cancel my insurance?

If you wish to cancel your policy, contact Tesco via the UK-based call centre at 0345 246 2895. Do note, that you may be liable for a £40 cancellation fee (for a standard car insurance policy) unless you cancel within the first 14 days.

Who is Tesco’s underwriter?

Tesco Underwriting Ltd. is the underwriter for the majority of Tesco Bank policies.