Electric car insurance.
Compare car cover for your electric vehicle or hybrid car with Tesco Car Insurance. And save with your Clubcard. For drivers aged 21 and over.
Why choose Tesco electric car insurance?
Battery cover
Your battery will be covered in case of fire, theft and accidental damage.
Charging cable cover
Your charging cable will be covered if it gets stolen or accidentally damaged.
What is electric car insurance?
Electric car insurance covers important parts of an electric vehicle (EV) or hybrid car in case something goes wrong. Cover's often included with standard car insurance policies, like Tesco Car Insurance.
What Tesco Car Insurance covers for electric cars
With our comprehensive car cover, you’ll get the following insurance for your electric or hybrid car:
- Battery - cover for fire, theft and accidental damageBattery - cover for fire, theft and accidental damage
- Charging cable - cover for fire, theft and accidental damage, when kept with the car or being used at homeCharging cable - cover for fire, theft and accidental damage, when kept with the car or being used at home
- Liability cover - cover in case someone trips over the charging cable on the pavement or road outside your homeLiability cover - cover in case someone trips over the charging cable on the pavement or road outside your home
Does electric car insurance come as standard?
Tesco Car Insurance includes cover for electric vehicles and hybrid cars as standard. It comes with all levels of our comprehensive cover - whether you go for Bronze, Silver or Gold.
You’ll also have financial protection in case your car’s damaged, stolen or in an accident. And you can add optional extras to your policy to increase your cover. For example, Breakdown Cover and Motor Legal Protection.
Collect Clubcard points when you charge your car
At Tesco Insurance, we like to do our bit for the planet. Making it easy for our customers to go paperless, for example. And we know our customers are doing their bit too.
That’s why we’ve got a little help for the eco-friendly driver. We’ve partnered with Pod Point, so you can charge your car at Tesco while you’re doing the weekly shop. What’s more, you’ll collect Clubcard points for whatever you spend on charging.
Compare our levels of insurance for electric cars
See what’s covered for your electric vehicle or hybrid car with our Gold, Silver and Bronze comprehensive Car Insurance.
Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.
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Bronze |
Silver |
Gold |
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Battery cover |
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Cable trip protection |
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Comprehensive |
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Fairer Finance rating |
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Courtesy car |
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Enhanced |
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Minimum compulsory excess |
£200 |
£100 |
£0 |
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90 day comprehensive EU cover |
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Windscreen cover |
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Uninsured driver promise |
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Car Insurance optional extras
Add optional extras to your Tesco Car Insurance policy. And get more cover to help with the unexpected.
Motor Legal Protection
Cover the cost of your fees if you need to take legal action against someone on the road. Up to £100,000.
Motor Legal Protection is underwritten by AMTrust Specialty Limited.
Breakdown Cover
Don’t be stranded if your car breaks down. Get moving again with 4 levels of cover to choose from.
Breakdown Cover is underwritten by RAC Insurance Ltd.
Key Cover
Save yourself some hassle with your car keys - whether they’re lost, stolen, damaged or just locked inside.
Key Cover is underwritten by AA Underwriting Insurance Company Ltd. Claims are handled by Keycare.
Upgraded Courtesy Car
Get a courtesy car that’s similar in size to your own, for up to 28 days, while your car’s being repaired.
Upgraded Courtesy Car Cover is underwritten by Tesco Underwriting Ltd.
Car Insurance with Clubcard Prices
Compare our comprehensive car cover and save with your Clubcard. For drivers aged 21 and over.
What our customers say about Tesco Car Insurance
Tesco Car Insurance customer, Trustpilot, July 2025.
"Tesco made the process of insuring my car very easy."
Tesco Car Insurance customer, Trustpilot, July 2025.
"The whole process from my accident to repair to return of my car was very professional, so helpful. Took away the stress and worry."
Help for Car Insurance customers
If you’re already a Tesco Car Insurance customer, find out how to manage your policy, get in touch or make a claim.
Car insurance guides
Car insurance jargon
If you're new to car insurance or you have a question about policies or terms on your paperwork, our helpful car insurance jargon buster has plenty of information to get you started.
No claims discount
If you've gone for a few years without an accident or incident, you may be entitled to a no claims discount on your car insurance. Find out how this discount works, and how to hold onto them here.
Insurance costs
This guide can help you understand the factors that impact how your car insurance policy is priced, and what to look out for when you compare car insurance pricing online.
Electric car insurance FAQs
Yes. Tesco Car Insurance includes cover for electric vehicles (EVs) and hybrid cars.
We have 3 levels of comprehensive car cover - Gold, Silver and Bronze. They all come with cover for the important parts of your electric or hybrid car. For example, your battery and charging cables. And they also provide financial protection in case your car’s damaged or stolen or involved in an accident.
Yes. With Tesco Car Insurance, your car battery and charging cable are covered for fire, theft and accident damage.
With Tesco Car Insurance, cover for electric and hybrid cars comes as standard with our comprehensive car cover. It’s included with all levels of cover - whether you go for Gold, Silver or Bronze.
Tesco Car Insurance includes liability cover. That means you'll be covered if someone's injured tripping over your charging cable - if it happens on a public path or road outside your home.
About Tesco 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 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.
- No admin fees for changes made to your policy in Your Insurance AccountNo admin fees for changes made to your policy in Your Insurance Account
- View, print and download all your insurance policy documents at any timeView, print and download all your Car Insurance policy documents at any time
- Tell us if you're moving home or changing your vehicleTell us if you're moving home or changing your vehicle
- Update your personal details whenever you want, including your address, email address and phone numberUpdate your personal details whenever you want, including your address, email address and phone number
- Send us your documents electronically and securelySend us your documents electronically and securely
Important information
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 Specialty Limited
- 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.
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:
Contact us
Need to talk to someone about Car Insurance? Our friendly, UK-based customer service team is here to help.