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

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 signing 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;

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

Optional extras insurers:

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

The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.

Please make sure that you read the version applicable to your start date or renewal. You can find this date in the sections of the policy terms applicable to the cover you selected.

You can view any documents and make changes to your policy online in 'Your Insurance Account’.

You can access your policy booklet below:

You’re eligible for a 10% Multi Car discount on Tesco Car Insurance if the following apply:

You’re not eligible for this offer if you get a quote or buy a policy:

or

The discount doesn’t apply to optional extras.

We’ll apply your Multi Car discount automatically when:

We'll apply the Multi Car discount to your additional policy at:

Provided that:

We'll remove the Multi Car discount if:

In that case, we won't apply the discount to your additional policy at its next renewal.

This offer is available to new and renewing customers and is available on both price comparison websites and direct from Tesco Insurance.

Data may be obtained from and shared with the wider Tesco Group, credit reference agencies and fraud prevention agencies on an ongoing basis.

We will carry out a soft credit search with TransUnion when generating a quote for you. We do this to assess whether we think you can afford to take the product. If you buy a policy and choose to pay monthly, this search will become visible to other credit providers.

Information on how your data is collected and how your personal data is used (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice.

Tesco Personal Finance Ltd takes the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our privacy notice.

We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase; or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.

We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out financial and insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.

We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.

Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK Residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you on an ongoing basis.

By proceeding with your application you acknowledge we can use your data in this way.

Please see our privacy notice if you would like to know more.

In the car insurance policy booklet, for cancellation rights and the refunds that apply, please read section 9.11. How to Cancel Your Policy. For details of who we are and the services we provide, please read section 1. Welcome. For fees & charges information please read section 9.9: