Tesco Bank car insurance review

Our review highlights what you get in the car insurance from Tesco Bank.

Last updated:

Tesco Bank Car Insurance
Customers say
Customer satisfaction
Customers reported good value and service
Prices can jump when renewing or changing car

Tesco Bank offers two car insurance packages for drivers. Car Insurance is a standard policy for drivers over the age of 21, while Box Insurance is a “black box” insurance policy for drivers aged 17-35.

If you’re a young driver and choose a “black box” car insurance – also called “telematics” or “pay-as-you-go” insurance – a small device that registers your speed, routes and driving style is installed in your car. The insurance premium will be based on your driving habits and behaviour.

Who is Tesco Bank?

Tesco is a household name when it comes to your weekly food shop. But not many know that Tesco also offers financial services through Tesco Bank.

Tesco Bank’s products include credit cards, loans, mortgages, savings accounts and several types of insurance, including car, home, life and travel.

What are Tesco Bank’s car insurance cover options?

Tesco has two different cover options for customers of different ages. Both have a range of different features.

Tesco car insurance for drivers aged 21 and over

Tesco’s standard insurance is for drivers aged 21 and over. This cover has a range of different features and optional extras you can add on.

Features of this include:

  • Defaqto 5-star rated cover
  • Range of benefits which come as standard
  • Personalise your cover with optional extras
  • 24-hour UK-based accident helpline
  • Manage your insurance policy online, 24 hours a day
Tesco Bank Box Insurance for 17-35 year olds

Tesco Bank Box Insurance is specially designed for 17-35 year olds and is arranged and administered by Insure the Box Ltd.

Features of this include:

  • A small box fitted to your car to monitor how you drive
  • Fixed premium for a year
  • No curfews or fines
  • Choice of 6,000, 8.000 or 10,000 miles, which you can top up if you need to
  • Rewards for safe driving with monthly bonus miles
  • Accident alert
Optional extras

Tesco Bank offers a range of optional extras you can add to your policy.
Features of this include:

  • Breakdown cover
  • Upgraded courtesy car cover (only available for policies for those aged 21 and over)
  • Driver injury cover (only available for policies for those aged 21 and over)
  • Key cover

What’s covered under my policy?

Tesco Bank car insurance policies for those aged 21 and over and for those aged 17-35 both provide cover for a range of features.

BenefitsInsurance for 21 year olds and overInsurance for 17-35 year olds
Uninsured driver promise
Small courtesy car
Fire and theft cover
Windscreen cover
Replacement child car seat
In-car entertainment equipment cover
Using your car abroad
Personal accident
Medical expenses
Personal belongings
Liabilities to third parties
No claim discount and protection
Motor legal protection
Accidental damage
Use by motor trade, hotels and car parks
Glass in windscreens, sunroofs or windows
Personal accident benefits

What is my excess?

An excess is the amount of money you contribute to the cost of your claim. The amount of your excess will depend on the level of cover you have and the nature of your claim. Details of your excess amounts will be displayed in your policy schedule.
Sometimes more than one excess will apply and in this case, Tesco Bank will add them together.
There are two types of excess and these are:

  • Compulsory excess which is set by the insurer underwriting your policy. This is added to the voluntary excess you choose to give the total amount of excess you will pay if you make a claim.
  • Voluntary excess which is in addition to any compulsory excess. You can set this as low as you want to reduce the amount you have to pay if you make a claim, or you can increase it which may reduce your premium.

How do I make a claim?

If you need to make a claim on your Tesco Bank standard insurance policy for customers aged 21 and over, you can call the claims team on the Claims helpline which will be shown in your policy schedule. They will assess the claim and send your details to an adviser who will get in touch with you to discuss any assistance you need.

If you need to make a claim on your Tesco Bank Box Insurance policy, then you can call the Tesco Bank Box Insurance claims helpline on 0330 022 2525. Make sure you have your policy number to hand.

The Tesco Bank claims team is available around the clock, seven days a week.

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £264.64 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.
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