Insurance
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
If you're looking for insurance, you can compare Tesco car insurance quote on Caura by clicking here
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Tesco car insurance reviews
Tesco car insurance has received the following reviews:
- Trustpilot: 4.5 stars (7886 reviews) [1]
- Which?: 60% Policy Score on its standard policy (18th out of 31) and 69% Customer Score (4th out of 19).
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:
| Bronze | Silver | Gold | |
|---|---|---|---|
| Comprehensive Cover | Yes | Yes | Yes |
| Courtesy Car | Standard (Small) | Standard (Small) | Enhanced |
| Minimum Compulsory Excess | 200 | 100 | 0 |
| 90-Day Comprehensive EU Cover | Yes | Yes | Yes |
| Windscreen Cover | No | Yes | Yes |
| Uninsured Driver Promise | No | Yes | Yes |
| Personal Accident Cover | Up to £1,000 | Up to £5,000 | Up to £7,500 |
| Personal Belongings Cover | No | Up to £200 | Up to £500 |
| Child Car Seat Replacement | Up to £300 | Up to £300 | Unlimited / Full |
| Destination Cover (Onward Travel) | No | Up to £150 | Up to £500 |
| Misfuelling Cover | No | No | Yes |
| Lost Key Cover | No | No | Yes (Up to market value) |
| Vandalism Promise | No | No | Yes |
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] This score is not specifically for their car insurance, but Tesco Insurance as a whole. Accessed 29-April-2025
[2] Accessed 29-April-2025
