Car Insurance

With our comprehensive Bronze car insurance cover, you get cover for your vehicle that includes:

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 the details.

Fire and theft cover

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

Replacement child car seat

We'll 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 to Bronze cover.

UK cover extended to EU for up to 90 days

With our Car Insurance, you can drive on holiday in the EU, and there's 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 if you're a UK resident.

Emergency medical treatment

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 Bronze car insurance cover provides up to £1,000 compensation for serious injury to you or your partner whilst travelling by car.

24-hour online accident reporting via Your Insurance Account

Accidents don't just happen between 9 and 5. Your policy gives you access to log and manage some claims online. We also have our UK-based accident helpline open 7 days a week.

Audio/visual/electronic equipment cover

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

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

With our comprehensive Silver car insurance cover, you get cover for your vehicle that includes:

Everything in Bronze cover plus:

Uninsured driver promise

Our Silver 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.

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.

Audio/visual/electronic equipment cover

This includes any stereo, satnav, telephone and entertainment equipment fitted to your car by the manufacturer or aftermarket.

Cover for personal belongings

Your personal belongings are covered up to £200 if they're lost or damaged in the car following an accident.

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.

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

With our comprehensive Gold car insurance cover, you get cover for your vehicle that includes:

Everything in Bronze & Silver cover plus:

Misfuelling

We'll pay for draining and cleaning the fuel tank at the filling station or after being towed to a garage.

Lost keys

We'll pay up to the equivalent replacement cost up to the market value of any keys that are declared lost.

Enhanced courtesy car

You'll get a courtesy car that is equivalent in size to your car. There are a few exclusions, so please check the details.

Replacement child car seat

We'll pay up to the equivalent replacement cost up to the market value for any damage.

Cover for personal belongings

Your personal belongings are covered up to £500 if they're lost or damaged in the car following an accident.

Personal accident cover

Our Gold car insurance cover provides up to £7,500 compensation for serious injury to you or your partner whilst travelling by car.

Making sure you get there

You can claim up to £500 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.

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

Third party, fire and theft cover will pay for the legal liability incurred by you for the death of or injury to any person and/or damage to property caused by or arising out of you using your car.

This cover is only available on Silver car insurance, where the vehicle value is less than £5,000

Fire and theft cover

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

Replacement child car seat

We'll replace any child seats that are fitted to the car at the time of an incident, even if you can't see any damage. A £300 limit applies.

UK cover extended to EU for up to 90 days

With our Car Insurance, you can drive on holiday in the EU, and there's 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 if you're a UK resident.

Emergency medical treatment

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.

24-hour online accident reporting via Your Insurance Account

Accidents don't just happen between 9 and 5. Your policy gives you access to log and manage some claims online. We also have our UK-based accident helpline open 7 days a week.

Audio/visual/electronic equipment cover

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

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

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 4 levels of cover, making it easy to find the one that’s right for you.

Tesco Insurance Breakdown Cover is provided by RAC Insurance Limited.

Upgraded courtesy car cover

If you need 7 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. Included in our Gold cover as standard.

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

Key cover

With our additional key cover, you’re covered for keys that are lost, stolen or broken. Our 24-hour helpline will also come to your rescue if your keys are lost, locked inside your car or broken in the lock. 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 Insurance Keycover is underwritten by AA Underwriting Insurance Company Ltd. Claims are handled by Keycare.

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're more likely than not to have a successful outcome. Terms and conditions apply; you'll find more details in the policy booklet.

Motor Legal Protection is underwritten by AmTrust Specialty Limited.

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

With Your Insurance Account, you can manage your policy anytime.

This will depend on factors such as your age, occupation and the type of policy cover and product you choose (NB: it is only available on Silver and Gold cover, where eligible). The cover applies on a third-party only basis if you have the vehicle owner's permission, and the vehicle is registered, insured and legal to drive in the UK, including insurance in its own right.

Please check your Certificate of Motor Insurance to confirm if you are eligible to drive another vehicle (under section 5).

Full details of any limitations are in your policy booklet.

Anyone who drives your car should be named on your policy as an additional driver. You can add a driver by logging into Your Insurance Account.

Adding additional drivers to your insurance could increase the overall cost of your policy but you will not be charged a fee when completing via this service. Your insurer reserves the right to refuse cover based on age, licence, residency and experience of the proposed additional driver.

Please see our existing FAQ 'How do I add or update my additional driver details?' for instructions on how to do.

If you want to add a temporary driver, they can be added to your policy up to a maximum of 28 days over the policy year. To do this, you will need to contact our Customer Service team and have your policy number ready. An administration fee will be applied and must be paid in addition to any change in premium.

When you apply for cover, you have the option of adding protection for your No Claims Discount (NCD) if you have a minimum of four years NCD. You must also have had no more than one fault claim in a three-year period to be eligible. Your NCD will then be maintained in the event of up to 2 claims within the first policy year.

If you renew your policy and have two claims in a three-year period, NCD protection will be removed, and if you were to have a third claim in this time, your NCD will be reduced.

Without NCD protection, claims where we are unable to make a full recovery from a third party will reduce your NCD.

NCD protection does not protect your premium and you may have to pay a higher premium and excess from your next renewal if any claims are made. Your NCD will not increase in any years in which you have a claim. If you renew your Tesco Car Insurance policy, the terms of your no claims discount protection will change. More information on how Protected NCD may be affected by multiple claims can be found in your policy booklet.

If you've driven a company car and the company have made no claims during that time, you could be eligible for a no claims discount provided that;