Key Cover

Whether they're lost, stolen or broken, our key cover add-on could take the stress out of losing your keys and give you additional peace of mind for an additional cost.

  • Our key cover add-on means there's no excess to pay if you make a claim under the key cover add-on and this won't impact your no claims discount on your car insurance policy
  • Cover is provided for all insured keys and we'll organise replacement keys and locks up to £1,500 per policy
  • Access to a nationwide network of locksmiths to help if your keys are lost, stolen, broken or locked inside your car
  • Onward transportation costs covered, or 3 days vehicle hire, if you can't use your own car
  • If there's a security risk, the policy covers the installation of new locks, replacement keys and the reprogramming of immobilisers, infrared handsets and alarm remote controls
  • £10 reward for the safe return of lost keys
  • Special key fob for insured keys to increase the chance of recovery after loss or theft

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

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      Car Insurance

      We offer 3 levels of cover for drivers aged 21 and over with a comprehensive range of features and benefits.

      Over 50s

      Our over 50s car insurance provides flexible cover that works for your lifestyle with optional extras.

      Help for existing policyholders

      Need to check your policy documents or need to make a claim?

      Important information

      About car insurance from Tesco Insurance

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

      Optional extras Insurers:

      • Motor Legal Protection is underwritten by AmTrust Europe Ltd
      • Breakdown Cover is underwritten by RAC Insurance Ltd
      • Keycover is underwritten by AA Underwriting Insurance Company Ltd. Claims are handled by Keycare
      • Upgraded courtesy car cover is underwritten by Tesco Underwriting Ltd

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

        Before you buy your Tesco Car Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.

          Car Insurance FAQs

          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;

                • the car has been used for both personal and business use with you as the main driver
                • you also need to have been claim free on the company car for a minimum of one year
                • you are no longer using the company car
                • you will need to provide proof on company headed paper stating that you have been using the car for personal and business purposes

                Contact us - we're here to help

                Have a question or need help applying? Our friendly, UK-based customer service team is here to help.