What is the uninsured driver promise?
Learn about the uninsured driver promise you can get with your car insurance policy. And find out how it works with Tesco Car Insurance.
Published: 5 December 2025
What is an uninsured driver promise?
With our uninsured driver promise, you’ll get guaranteed protection if your car’s hit by an uninsured driver.
What does the uninsured driver promise mean for your insurance?
It means:
- You won’t lose your No Claims DiscountYou won’t lose your No Claims Discount
- You won’t have to pay an excess You won’t have to pay an excess
If you have Tesco Car Insurance, our uninsured driver promise is included as standard with our Silver and Gold comprehensive Car Insurance policies.
How our uninsured driver promise works
If you make a claim for an accident caused by an uninsured driver, we’ll refund your excess and reinstate your No Claims Discount. As long as you give us:
- the make, model and registration number of the vehicle that hit youthe make, model and registration number of the vehicle that hit you
- the other driver’s name and address, if possiblethe other driver’s name and address, if possible
- the names and addresses of independent witnesses, if possible, to help confirm who was at faultthe names and addresses of independent witnesses, if possible, to help confirm who was at fault
What you should know
You might have to pay the excess while we investigate your claim. And you might lose your No Claims Discount then as well. But we'll refund your excess and reinstate your No Claims Discount if we approve your claim.
When our uninsured driver promise won’t apply
Silver or Gold comprehensive Car Insurance
You won’t be covered by our uninsured driver promise if we can’t:
- identify the other driveridentify the other driver
- establish that the other driver was at faultestablish that the other driver was at fault
- confirm the other driver was uninsuredconfirm the other driver was uninsured
Bronze comprehensive Car Insurance
Our uninsured driver promise isn’t included with Bronze cover.
The impact of uninsured drivers
According to the Motor Insurers’ Bureau (MIB), there’s over 1 million uninsured vehicles on UK roads each year*.
There are different reasons why drivers might not have insurance. They might not realise they're not insured to drive different cars, for example. Or they might want to avoid paying for it.
Not having car insurance can put other road users in danger. It can cause insurance premiums to go up. And it could leave you out of pocket if you need to claim for repairs.
Our uninsured driver promise can help if your car’s hit by an uninsured driver and you need to make a claim.
Help for Car Insurance customers
If you’re a Tesco Car Insurance customer, find out how to manage your policy, get in touch or make a claim.
How to make a claim for your uninsured driver promise
If your car’s hit by another vehicle, make sure everyone in your car is safe. After that, there’s a few things you need to do.
First, report the incident to the police, if you need to. And to your insurer as soon as possible.
To help with your Car Insurance claim
1. Make sure you get the other driver's details before they leave the scene. That includes:
- the make, model and registration number of the vehicle that hit youthe make, model and registration number of the vehicle that hit you
- their name and address, if possibletheir name and address, if possible
2. Ask for the names and addresses of any witnesses that saw the accident happen.
Once we’ve checked the details of the accident, and approved your claim, we’ll refund your excess and reinstate your No Claims Discount.
Good to know
Never apologise or say you’re sorry to the driver of the vehicle that caused the accident. If you do, it could look like you’re admitting you were at fault.
Important information
Tesco Car Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.
You'll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.
* Source: The difference MIB makes … in numbers - 28 January 2025
Learn more about Car Insurance
Compare our Bronze, Silver and Gold comprehensive cover to find the one that’s right for you. For drivers aged 21 and over.