Motor Insurance

Our Standard Car Insurance is for drivers aged 21 and over, and comes with a range of optional extras available for an extra charge. Get a quote and apply below.

Car insurance

If you want to compare motor insurance quotes and features, look no further. This handy checklist gives you a quick breakdown of how Tesco Bank can help you while on the road. Read on to get a quote and to get more details.

  • Buy direct and get added security, with Motor Legal Protection included as standard More information
  • A range of standard features including a small courtesy car while yours is being repaired. Exclusions apply More information
  • Guaranteed discount for Clubcard members

Why choose Tesco Bank motor insurance?

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

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

woman repairing 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.

father and child sitting in car boot

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.

woman hugging her dog

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, sat nav, 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.

Motor Legal Protection as standard

When you buy your Car Insurance direct from Tesco Bank, you also get up to £100,000 Motor Legal Protection included as standard. This provides you with cover for legal costs and expenses 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 Car Insurance policy booklets. See our policy booklets

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

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.

Also, if you're a new customer you get a 20% discount when you buy Tesco Car Insurance online.

Just so you know, the 20% online discount is subject to a minimum premium and does not apply to Breakdown Cover, Courtesy Cover, Driver Injury Cover and Key Cover.

Help for existing policy holders

Emergency phone numbers

Breakdown assistance 0800 003 001

Lost or stolen keys emergency helpline 0345 366 0228*

*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 a select range of insurers:

  • Tesco Underwriting Ltd
  • AXA UK plc
  • Aviva Insurance Ltd
  • Sabre Insurance Company Ltd
  • Zenith Insurance plc

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.

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-9pm, Saturday and Sunday 9am-5pm.