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Tesco car insurance
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How good is Tesco car insurance?
Tesco Bank is a familiar name for UK drivers, combining competitive pricing with rewards for Clubcard members. Tesco reports that it pays out on 99% of car insurance claims, giving an indication of how frequently customers receive a payout.
Independent research by Which? gave Tesco a claims score of 76%
Tesco Gold car insurance policy has a Defaqto rating of 5 stars, showing an excellent level of cover and benefits, while its Silver policy is rated 4 stars and its Bronze policy is rated 2 stars.
What is the Defaqto rating for Tesco car insurance?
Defaqto is a leading independent reviewer of financial products. Tesco's highest-tier policy, Gold, received the maximum five-star Defaqto rating for features and benefits, while its second highest-tier Silver is rated four stars, and its third highest-tier, Bronze, is rated two stars.
Tesco Bronze Car Insurance
⭐⭐^
Tesco Silver Car Insurance
⭐⭐⭐⭐^
Tesco Gold Car Insurance
⭐⭐⭐⭐⭐^
What will a Tesco comprehensive car insurance policy cover me for?
If you choose a fully comprehensive Tesco car insurance policy (gold, silver or bronze) the following is included:
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Audio/visual/electronic Equipment Cover
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Personal Accident Cover
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Emergency Medical Treatment
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Driving Abroad
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Replacement Child Car Seat
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Fire and Theft
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Courtesy Car
How much do Tesco car insurance policies cost?
These are the average prices of Tesco car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Tesco Bank Bronze
£501^
Comprehensive
Tesco Bank Silver
£409^
Comprehensive
Tesco Bank Cover+
£449^
Comprehensive
What is included in Tesco Silver and Gold car insurance?
Tesco Bank offers Silver and Gold levels of cover, both providing more features than a basic policy.
Across these tiers, you can expect benefits such as:
Enhanced courtesy car cover (gold only)
Windscreen repair and replacement
Uninsured drivers promise
Lost key cover (gold only)
Misfuelling cover (gold only)
Vandalism cover (gold only)
Aftermarket audio or visual or electronic equipment
Gold typically includes a more comprehensive set of benefits, reducing the need for add-ons.
Is Tesco Silver or Gold worth it?
Upgrading to Silver or Gold may be a good option if you want a more complete level of cover and fewer unexpected costs after an accident. Gold, in particular, may suit drivers who want stronger overall protection and added convenience - you'll get enhanced courtesy car cover, and you won't need to pay any compulsory excess.
But if you’re focused on keeping premiums low, don’t drive often, or already have some cover in place, a lower level of cover might be enough. Just keep in mind that Tesco Bronze policies do not offer cover for windscreens, and do not offer an uninsured driver promise.
Is Tesco the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Tesco car insurance to help you make your decision:
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Pros of Tesco car insurance
Three tiers of cover available offering plenty of choice
Clubcard members can get 10% off when buying Tesco car insurance
Tesco Insurance has an Excellent 4.5 Trustpilot rating based on around 23,000 reviews
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Cons of Tesco car insurance
The 10% Clubcard discount does not apply to add-ons or optional extras
Bronze may feel limited compared to other tiers of cover
Breakdown cover, key cover, motor legal cover and courtesy cars all cost extra
How does Tesco car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
Tesco Silver | Lloyds Bank Silver | Admiral Essential | AA Gold | |
|---|---|---|---|---|
Price | £409^ | £350^ | £662^ | £335^ |
Defaqto rating | ⭐⭐⭐⭐ | ⭐⭐ | ⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 76%^ | 74%^ | 74%^ | 75%^ |
Claims payout rate | N/A | N/A | 98.9% | 99.6% |
Uninsured driver promise^ included? | Yes | Yes | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | £25 | Free online, £25 if calling in | £15 | Free online, otherwise £25 |
Further information |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is the Tesco a good car insurer for young drivers?
Tesco Bank is a well-known brand that offers a range of car insurance policies, however it no longer offers telematics or black box insurance for new customers, nor does it provide temporary or learner drivers insurance.
While not specifically aimed at young drivers, Tesco may still appeal to those looking for straightforward cover from a familiar provider. Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
How do I contact Tesco?
💡 Top tip: If you bought your Tesco car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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By phone
Tesco Customer Services: 0345 246 2895
Tesco telematics: 0330 022 2202Lines are open Monday to Friday 8am-8pm, Saturday and Sunday 9am-2pm
How do I make a claim with Tesco?
If you need to make a claim on your Tesco car insurance policy, contact the Tesco as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
Tesco claims line:
0345 677 3377
Claims lines are open 24/7, and are available even if you have an Online Car Insurance policy.
Can I cancel my Swiftcover car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with Tesco directly. You cannot cancel via MoneySuperMarket.
You can cancel your Tesco car insurance by phone.
Can I cancel my Tesco car insurance at any time?
Yes, you can cancel your Tesco car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does the Tesco charge fees for cancelling car insurance?
Yes, Tesco charges cancellation fees. The amount varies depending on when you cancel:
Prior to the policy auto-renewing: £25 admin fee
Within the first 14 days of the policy starting: £25 admin fee
More than 14 days after the policy starts: £50 admin fee
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my Tesco car insurance?
No, any payments for add-ons such as breakdown cover are non-refundable.
What other insurance does Tesco sell?
Is it cheaper to buy Tesco car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as RAC compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare RAC policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my Tesco car insurance policy?
If you bought your Tesco car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your Tesco car insurance policy on the Tesco customer portal by logging into your account.
Will I be charged if I make a change to my Tesco car insurance?
Yes, Tesco charges a £25 administration fee for changes you make to your car insurance, such as changing your address or adding extra drivers. However, you can make some changes without paying fees via your online account, Your premium may also go up or down depending on the change.
Can I add other drivers to my Tesco car insurance policy?
Yes, you can add up to 4 named drivers to your Tesco car insurance. To add a driver to your Tesco car insurance policy, log into your online account and go to the policy overview page.
Adding extra drivers to your Tesco car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does Tesco car insurance include breakdown cover?
Tesco offers breakdown cover in partnership with The RAC as an optional extra you can take out for all car insurance policies.
How do I renew my Tesco car insurance policy?
Most Tesco car insurance policies will be set up for auto-renewal. This means that after your existing contract ends Tesco will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.
Auto-renewal does not mean you will get the same cover at the same price as you had before. Tesco must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your Tesco cover to auto-renew, you need to inform Tesco before your policy end date. You can do this through your Tesco account.
Before letting your Tesco policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.
Can I pay my Tesco car insurance in monthly instalments?
Yes, you can pay for your Tesco car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is Tesco Insurance?
Tesco Insurance is part of the Tesco Group and offers a range of financial products, including car insurance, home insurance, pet insurance and travel insurance.
It’s a well-known brand in the UK, often appealing to customers looking for straightforward cover and rewards like Clubcard benefits.
Who underwrites Tesco insurance?
Tesco car insurance is underwritten by Tesco Underwriting Ltd, a fully owned subsidiary of Tesco Bank. This arrangement ensures that Tesco Bank has full control over the underwriting and customer experience for both new and renewing motor insurance policies.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 28 Apr 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of February 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Source: Which?, 2026, Will your car insurer let you down when it matters most?, https://www.which.co.uk/news/article/will-your-car-insurer-let-you-down-when-it-matters-most-azKzL9m9ippy
Source: Which?, 2026, Will your car insurer let you down when it matters most?, https://www.which.co.uk/news/article/will-your-car-insurer-let-you-down-when-it-matters-most-azKzL9m9ippy
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between December 2025 and February 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through m&s car insurance on MoneySuperMarket between December 2025 and February 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between December 2025 and February 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Tesco may have different ratings. Data from the Defaqto website. Data from April 2026.
Defaqto is a leading independent reviewer of financial products. Four stars is for 'A product with a good level of features and benefits'.
Individual insurance products from Tesco may have different ratings. Data from the Defaqto website. Data from April 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in February 2026.
Defaqto is a leading independent reviewer of financial products. Two stars is for 'A product offering fewer than average features and benefits benefits'.
Individual insurance products from Tesco may have different ratings. Data from the Defaqto website. Data from April 2026.
