Key Cover

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;