Over 50s Car Insurance

Our comprehensive car insurance could be perfect for older drivers. Get insured with Tesco Bank Car Insurance and enjoy flexible cover that works for your lifestyle.

Here are some of the features you could get when you insure with Tesco Bank Car Insurance:

  • Defaqto 5 star rated cover
  • A flexible policy, with optional extras for an additional cost
  • Round-the-clock assistance from our UK team

Get a quote today to find out how much you could save.

      Woman packing the boot of a car

      Why insure with Tesco Bank Car Insurance as an over 50s driver?

      Benefits
      • You’re guaranteed a discount as a Tesco Clubcard member
      • We’ll provide a small courtesy car while yours is being repaired. Exclusions apply - more information
      • Our UK-based accident helpline is available 24/7
      • We offer fire, theft and windscreen cover as standard
      About our Car Insurance

      Our Car Insurance has plenty of benefits, no matter what your age:

        Discounts for Tesco Clubcard members

        If you have a Tesco Clubcard, you’ll enjoy a discount when you insure with Tesco Bank Car Insurance.

          24/7 accident helpline

          If you’re in an accident you can call our UK-based helpline and get the help you need. We’re on the other end of the line 24 hours a day, 7 days a week.

            Protection for you and your passengers

            Our Standard Car Insurance offers medical expenses and personal accident cover, meaning you and your passengers can enjoy peace of mind when you’re on the road. We also cover loss of personal possessions after an accident.

            Monetary limits, excesses and exclusions apply.

              Protection for your vehicle

              As standard, our customers are covered for accident, fire, theft and windscreen damage. We also cover loss or damage of permanent in-car equipment like satnavs.

              Monetary limits, excesses and exclusions apply.

                Optional extras

                You can customise your car insurance policy with optional extras at an additional cost to make it better suited to your needs. We offer Breakdown Cover (provided by RAC), Upgraded Courtesy Car Cover, Driver Injury Cover, Key Cover, and Motor Legal Protection. Tesco Bank Car Insurance is arranged and administered by Tesco Bank and is underwritten by a select range of insurers.

                Tesco Bank Breakdown Cover is provided by RAC Insurance Limited. Tesco Bank Upgraded Courtesy Car Cover is underwritten by Tesco Underwriting Limited. Tesco Bank Driver Injury Cover is underwritten by Tesco Underwriting Limited. Tesco Bank Key Cover is underwritten by Ageas Insurance Limited, claims are handled by Keycare. Motor Legal Protection is underwritten by Arc Legal.

                  Why choose Tesco Bank motor insurance?

                  • ratings icon
                    Our car insurance is Defaqto 5 Star rated with a comprehensive level of cover
                  • desktop computer
                    Manage your Car Insurance policy online 24/7 in Your Insurance Account
                  • telephone
                    Your policy gives you access to our 24-hour UK-based accident helpline
                  • Clubcard
                    Guaranteed discount for Tesco Clubcard Members

                  Defaqto 5 Star rated

                  Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision making. Tesco Bank Car Insurance has a Defaqto 5 Star Rating which means it has a comprehensive level of features and benefits.

                      Defaqto 2021

                      Black box insurance for younger drivers

                      As well as Car Insurance, you can also consider Box Insurance. It's designed exclusively for young drivers aged between 17 and 35.

                      Car Insurance guides

                      person defrosting car

                      Car Insurance Jargon

                      If you're new to car insurance or you have a question about policies or terms on your paperwork, our helpful car insurance jargon buster has plenty of information to get you started.

                      woman repairing car

                      No Claims Bonus

                      If you've gone for a few years without an accident or incident, you may be entitled to a no claims bonus on your car insurance. Find out how these bonuses work, and how to hold onto them here.

                      man walking in carpark

                      Insurance Costs

                      This guide can help you understand the factors that impact how your car insurance policy is priced, and what to look out for when you compare car insurance pricing online.

                      About Tesco Bank motor insurance

                      Your vehicle

                      With our comprehensive Car Insurance, you get cover for your vehicle that includes:

                        Uninsured driver promise

                        Our cover comes with peace of mind that if your car is hit by an uninsured driver, you won't be penalised for it. As soon as we validate the details of the incident (including the other vehicle's make, model and registration number), your no claims discount will be reinstated and your excess will be refunded to you. Terms apply

                          Small courtesy car

                          You’ll get a small courtesy car to help you keep going while yours is being repaired following a claim. There are a few exclusions so please check these. Check exclusions

                            Fire and theft cover

                            We'll pay for loss or damage to the car caused by fire, theft or attempted theft.

                              Windscreen cover

                              A chipped windscreen doesn’t have to spoil your day. We'll pay for the cost of repairing or replacing your broken or chipped windscreen or windows. We'll also pay for any scratching to the paintwork that might have been caused by broken glass from the windscreen or windows.

                                Replacement child car seat

                                We will replace any child seats that are fitted to the car at the time of an incident, even if you can't see any damage. You can't be too careful with your precious cargo. £300 limit applies from 25 May 2019.

                                  In-car entertainment equipment cover

                                  This includes any stereo, satnav, telephone and entertainment equipment, that are permanently fitted to your car.

                                    UK cover extended to EU for up to 90 days

                                    With our Car Insurance, you can drive away on holiday to the EU. No need to pay extra. Your cover is extended to any EU country for a total of 90 days within the period of your insurance as long as you are a UK resident. Great for a last-minute escape.

                                    All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our Car Insurance policy booklets. See our policy booklets.

                                      You and your passengers

                                      Our comprehensive Car Insurance includes cover for you and your passengers as standard.

                                        24 hour accident helpline

                                        Accidents don't just happen between 9 and 5. That's why our UK-based accident helpline is open 24 hours a day, seven days a week.

                                          Cover for personal possessions

                                          Our Car Insurance isn't just about the car. The things inside it matter too. So your personal possessions are covered up to the value of £200 if they're lost or damaged in the car following an accident.

                                            Medical expenses

                                            If you or your passengers are involved in an accident in the car, we'll pay up to £100 in medical expenses to treat each injured person.

                                              Personal accident cover

                                              Our Car Insurance provides up to £5,000 compensation for serious injury to you or your partner whilst travelling by car.

                                                Making sure you get there

                                                You can claim up to £150 towards any costs you might have incurred getting to your planned destination (or home) if you're involved in an incident that results in a valid claim.

                                                  Optional extras

                                                  And for an extra charge, you can get even more peace of mind with our optional add-ons.

                                                    Breakdown cover

                                                    Don't be left stranded if your car breaks down. Add Breakdown Cover provided by RAC to your Car Insurance policy. Whether it’s roadside cover for your everyday commute or cover that extends to Europe for driving holidays with your family, there are four levels of cover, making it easy to find the one that’s right for you.

                                                    Tesco Bank Breakdown Cover is provided by RAC Insurance Limited.

                                                      Upgraded courtesy car cover

                                                      If you need seven seats for your family or space in the back for your dog, a small courtesy car might not cut it. Add this cover and you’ll get a car that’s similar in size to your usual one. It’ll be yours for up to 28 days when your car is out of action, even if it’s deemed unrepairable by the approved repair network.

                                                      Tesco Bank Upgraded Courtesy Car Cover is underwritten by Tesco Underwriting Limited.

                                                        Driver injury cover

                                                        For greater peace of mind, add driver injury cover to your Car Insurance. If you, or any named driver, are hurt in an accident while driving the insured car, regardless of whether the accident is your fault or not, this cover gives you financial support when you need it most. It provides a lump sum payment, up to a maximum specified limit, to help support rehabilitation or expense in the event of a serious injury or death.

                                                        Tesco Bank Driver Injury Cover is underwritten by Tesco Underwriting Limited.

                                                          Key cover

                                                          With our additional Key Cover, you're not just covered if your keys are stolen. Our 24-hour helpline will also come to your rescue if your keys are lost or locked inside your car. After 14 days, cover is provided for all insured keys (including your house and business keys) and we'll organise replacement keys and locks up to £1,500 per policy. Terms apply

                                                          Tesco Bank Key Cover is underwritten by Ageas Insurance Limited, claims are handled by Keycare.

                                                          All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our Car Insurance policy booklets. See our policy booklets

                                                            Motor Legal Protection

                                                            Motor Legal Protection provides you with cover for legal costs and expenses, up to £100,000, if you ever need to claim compensation for personal injury against the person responsible for the accident, where you are more likely than not to have a successful outcome. Terms and conditions apply; you'll find more details in the policy booklet.

                                                            Tesco Legal Guard is underwritten by AmTrust Europe Limited.

                                                            All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our policy booklets. See our policy booklets

                                                              Your insurance account

                                                              Your Insurance Account

                                                              • No admin fees for changes made to your policy in Your Insurance Account
                                                              • View, print and download all your insurance policy documents at any time
                                                              • Tell us if you are moving home or changing your vehicle
                                                              • Update your personal details whenever you want, including your address, email address and phone number
                                                              • Send us your documents electronically and securely

                                                              Want a car insurance discount?

                                                              It doesn't matter whether you're a new customer or renewing your cover, you're always guaranteed to get a Tesco Clubcard discount. All you need to do is tell us your Clubcard number when you get a quote.

                                                              Just so you know, the discount does not apply to Breakdown Cover, Courtesy Car, Driver Injury Cover, Key Cover and Motor Legal Protection.

                                                                  tesco clubcard

                                                                  Help for existing policy holders

                                                                  Emergency phone numbers

                                                                  Breakdown assistance

                                                                    Lost or stolen keys emergency helpline

                                                                      *This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                                        Your Insurance Account

                                                                        Manage your car insurance online. No phone calls, no admin fees and no fuss.

                                                                          Making a claim

                                                                          Our UK teams are here to handle your claim and get things sorted fast.

                                                                            Policy documents

                                                                            Need to check up on the small print?

                                                                              Important information

                                                                              Key product information

                                                                              About Car Insurance from Tesco Bank

                                                                              Tesco Bank Car Insurance is arranged and administered by Tesco Bank and is underwritten by Tesco Underwriting Ltd.

                                                                                Optional Extras Insurers:

                                                                                • Motor Legal Protection is underwritten by AmTrust Europe Ltd
                                                                                • Breakdown Cover is underwritten by RAC Insurance Ltd
                                                                                • Keycover is underwritten by Ageas Insurance Ltd. Claims are handled by Keycare
                                                                                • Driver Injury Cover and Upgraded courtesy car are underwritten by Tesco Underwriting Ltd

                                                                                You’ll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.

                                                                                  Car insurance policy booklet

                                                                                  Before you buy your Tesco Bank Car Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.

                                                                                    For policies purchased on or after the 18th October 2020

                                                                                      Contact us - we're here to help

                                                                                      Can't find the answer to your Car Insurance question on our website? We're here to help and there are lots of ways to get in touch. Lines are open Monday to Friday 8am-8pm, Saturday and Sunday 9am-2pm.