Tesco Bank

Tesco Bank car insurance review

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.

Customer rating
Satisfaction survey
Customers reported good value and service
Prices can jump when renewing or changing car

Tesco is the biggest supermarket chain in the UK, but the household name also offers a decent car insurance cover, with two policies available to choose from. Find out what each options includes and how this supermarket giant fares in the world of car insurance.

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, savings accounts and several types of insurance, including car, home and pet.

Who underwrites Tesco’s car insurances?

Tesco Bank car insurance is underwritten by a selected range of insurers. The insurer that underwrites your policy will be named on your policy schedule and your certificate of motor insurance.

Tesco Bank Box Insurance is arranged and administered by Insure The Box Limited and is underwritten by Aioi Nissay Dowa Insurance Company of Europe Ltd.

Compare Tesco bank’s car insurance policies

1 - 2 of 2
Name Product Courtesy car cover New car replacement EU Cover Personal accident cover Multi-car discount Link
Tesco Comprehensive
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OFFER: Get a minimum discount of 10% if you’re a Clubcard member renewing an existing or buying a new Standard Car policy. T&Cs apply.
Tesco black box
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OFFER: Get a minimum discount of 10% if you’re a Clubcard member renewing an existing or buying a new Standard Car policy. T&Cs apply.

What is covered under my policy?

Tesco bank offers two levels of car insurance, comprehensive and black box car insurance.

Have a look at the table below to see what the two cover options from Tesco bank offer.

Product NameTesco black boxTesco Comprehensive
Damage to your car
Damaged windscreen and window glass
Fire and theft
Medical expenses
Personal belongings
Liabilities to third parties
No claims discount
Replacement locks
Permanently fitted audio equipment

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:

  • 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 comes 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. Make sure you can afford to pay the amount you set, should the need arise.

How do I make a claim?

For standard insurance customers (over 21), the number you need to call to make a claim depends on which company underwrites your policy. Visit the claims page in the “existing customers” section of the Tesco Bank’s website to find the right number for you.

Numbers to claim for optional extras added to your policy can also be found on this page.

If you need to make a claim on your Tesco Bank Box Insurance policy, then you can call the 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.

Tesco Bank car insurance customer reviews

In our 2020 customer satisfaction awards, Tesco Bank got 3.5 out of 5 stars for its car insurance service, with 76% of customers saying they would recommend it to a friend or family member.

Here is some of the feedback we got from Tesco Bank car insurance customers:

“Good company to be with with great customer service.”

“Good efficient service.”

“They are excellent initially, then for loyal customers you are penalised.”

“I left them when they bumped up my premium, but they had been fine until then.”

“Hassle free.”

Online reviews for Tesco car insurance:

We found reviews for Tesco Bank on two review platforms and the feedback is very different from one to the other (updated on June 2020):

Trustpilot Reviews.io


1.9 out of 5
Based on 171 reviews (updated )


4.6 out of 5
Based on 841 reviews (updated )

The bank’s car insurance customers were impressed with how easy the service was to set up, but some complained of extra charges and delays in claim settling.

Tesco car insurance pros and cons


  • Clubcard holders get a discount on their premiums.
  • Windscreen cover is included as standard.
  • 24/7 claims line available.


  • Standard comprehensive cover is only available for the age of 21. Customers can get the Tesco Bank Box insurance policy from the age of 17 (up to 35).
  • Some customers reported a hike in premiums on renewal.


Tesco Bank provides a decent comprehensive cover for drivers over the age of 21, plus a good “black box” option for drivers aged 17-35.

The company did well in our independent customer satisfaction survey, but some customers did report price hikes on renewal.

If you are a Tesco Clubcard member, it’s worth getting a quote, as you will be eligible for a discount on your premium.

Get started by visiting Tesco’s website and sign up for a policy. If you have read this review and decided that Tesco car insurance is not for you, you can also compare other car insurance policies on the market.

Frequently asked questions

Car insurance scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Feb ’24). 51% of car insurance customers could save £561.39
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.

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