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Tesco car insurance review
Read Which?'s expert review of Tesco's car insurance. Find out how we rate its policies against 30 other providers
In this article
- Does Tesco offer the best car insurance?
- How good are Tesco's car insurance policies?
- How did customers rate Tesco's car insurance?
- How can you save money on Tesco car insurance?
- How does Tesco compare with other providers?
- Tesco Insurance: how can I claim?
- Find out how Tesco rates for other products
Tesco Insurance now provides a wide array of banking services, as well as car, home, pet and travel insurance.
It offers several car insurance policies: Bronze and Silver can be bought both directly and on price comparison websites. Meanwhile, Gold is only available directly and Cover Plus is only available on comparison websites.
Its car insurance is underwritten by Tesco Underwriting.
Drivers aged between 21 and 85 can take out cover.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Does Tesco offer the best car insurance?
Here's how Tesco scored in our latest survey:
- 69% customer score – 4th out of 19 providers we rated
- 60% policy score on its standard policy (Silver) – joint 18th out of 31 providers we reviewed
- 67% claims score – 6th out of 19 insurers we compared.
Find out more about the best car insurance companies for 2024.
What does Tesco Insurance offer?
Silver
| Compare insurance providers | |||
|---|---|---|---|
| Fire excess | £100 | Check you're getting a great deal on car insurance using the service provided by Confused | |
| Theft excess | £100 | ||
| Accidental damage excess | £100 | ||
| Windscreen replacement excess | £75 | ||
| Is the policy holder's NCD affected if car is hit while parked | Yes, but can be reinstated | ||
| Windscreen damage - limit per claim | Market value / £125 (non-approved repairs) | ||
| Window damage - limit per claim | Market value / £125 (non-approved repairs) |
Tables last updated January 2025. Next update January 2026. We recommend checking policies before buying.
How good are Tesco's car insurance policies?
Tesco's standard Silver policy was close to average in our analysis.
With a score of 60%, the policy was very much in the middle of our table, slightly below the average score of 61%
The policy offers a guaranteed courtesy car for the duration of repairs as well as comprehensive cover for overseas driving for up to 90 days as standard.
However, it lacked cover for misfuelling (putting the wrong fuel in your car). It also doesn't cover damaged or lost car keys as many policies do, although you can pay extra to add this cover.
Uninsured driver promise
If your car is hit by an uninsured driver you won't be penalised, provided you have the other driver's details.
As soon as Tesco validates the details of the incident (including the other vehicle's make, model and registration number), your no-claims discount will be reinstated.
Tesco Silver vs Tesco Bronze, Gold and Cover Plus
Tesco's Bronze policy strips out features such as cover for driving other cars and for your car's windscreen and windows. It was one of the lowest-scoring policies in our assessment, earning a score of just 48%, below the standard Silver policy's 60%.
The premium Gold policy scored 72%, one of the highest-scoring policies rated. However, it failed to meet our Best Buy criteria on account of its complaints record.
Cover Plus, meanwhile, did slightly better than Silver. It achieved an exactly average score of 61%.
How did customers rate Tesco's car insurance?
We asked Tesco Insurance customers who have recently made a claim how they felt about their car insurance.
Tesco achieved a 69% customer score, placing it 4th out of 19 providers rated.
Customers were also asked to rate their most recent claim. Here, Tesco earned a respectable 67% – placing it joint 6th out of 19 insurers.
Here's how customers rated Tesco on various areas of service:
Customer satisfaction
Application process | - |
Clarity of policy | |
Dealing with queries | |
Ease of managing your policy online | |
Fair treatment of longstanding customers | - |
Dealing with complaints | |
Value for money |
Table last updated in January 2025. Next update in January 2026. Customer score sample size is 89. Claims sample size is 75. A dash '-' indicates insufficient sample size (fewer than 40) to generate a star rating.
How can you save money on Tesco car insurance?
Tesco's Gold policy is only available direct (on its website or by phone). The other three policies can also be bought via the following price comparison websites:
- Compare the Market
- Confused.com
- GoCompare
- MoneySuperMarket
- Quotezone
Tesco doesn't offer discounts for buying multiple products or multiple policies. However, Clubcard members can get discounts.
Above information correct as of December 2024.
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How does Tesco compare with other providers?
Tesco car insurance performs fairly well in our rankings, with a customer score of 69% and a claims score of 67%.
Its policy has a score of 60%, which places it above brands like Hastings Direct (60%) but below the highest-rated policies from Allianz and LV, which both score 77%.
Tesco Insurance: how can I claim?
The contact number to make a claim is 0345 677 3377, or you can make a claim online.
- Find out more: is it worth claiming on your car insurance?
Find out how Tesco rates for other products
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