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01 Mar 2024

Tesco Bank car insurance review

Name: Tesco Bank car insurance review
Item: Tesco Bank Insurance Policy
Rating: 62
Author: Maha Gadir

Read Which?'s expert review of Tesco Bank's car insurance. Find out how we rate its policies against 27 other providers

Maha GadirMarket analyst

In this article

What does Tesco Bank car insurance offer?
Does Tesco Bank offer the best car insurance?
How good is Tesco Bank's car insurance policy?
How did customers rate Tesco Bank's car insurance?
How can you save money on Tesco Bank car insurance?
Tesco Bank: How can I claim?
Find out how Tesco Bank rates for other products

What does Tesco Bank car insurance offer?

Tesco Bank now provides a wide array of banking services, as well as car, home, pet and travel insurance.

It offers several car insurance policies: Bronze, Silver, Gold and Cover Plus, as well as black box insurance for younger drivers aged between 17 and 35.

We've reviewed the first four policies. Its car insurance is underwritten by Tesco Underwriting.

Find out more: how to find cheap car insurance.

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Does Tesco Bank offer the best car insurance?

Here's how Tesco Bank scored in our latest survey:

63% customer score, placing it 20th out of 27 providers we rated
62% policy score on its standard policy – 18th out of 28 providers we reviewed
64% claims score makes it 14th out of 25 insurers we compared.

Find out more about the best car insurance companies for 2024.

We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy badge where there's evidence - either from our surveys or from Financial Conduct Authority data - of poor service or a poorer-than-average record of paying claims.

Policies named as Best Buys must have a minimum policy score of 65%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated.

Find out more: how we rate policies.

Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:

'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.

We analyse and rate 78 key elements of car insurance policies to come up with the overall policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.

How good is Tesco Bank's car insurance policy?

Tesco Bank's standard Silver policy scored of 62% – just below the average policy score of 64%.

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 n your car) and doesn't cover damaged or lost car keys as many policies do.

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 Bank validates the details of the incident (including the other vehicle's make, model and registration number), your no-claims discount will be reinstated.

Bronze, Gold and Cover Plus

Tesco's Bronze policy – which strips out features such as cover for driving other cars and for your car's windscreen and windows – was one of the lowest-scoring in our assessment, earning a score of just 51%.

It's premium Gold policy scored 76%, ranking fourth out of 61 policies. Cover Plus did slightly better than Silver with a score of 63%, but was still below average.

Tesco Bank: key cover areas rated

Select a table:

Cover+


Fire excess	£100
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 / £185
Window damage - limit per claim	Market value / £185

Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.

How did customers rate Tesco Bank's car insurance?

We asked Tesco Bank customers who have recently made a claim how they felt about their car insurance.

Tesco Bank achieved an underwhelming 63% customer score, which is just below the average of 64%.

Customers were also asked to rate their most recent claim. Tesco earned a middling claims score of 64% – the same as the average (also 64%) and 14th out of 25 companies scored on claims.

Here's how customers rated Tesco Bank on various areas of service:

Select a table:

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 February 2024. Next update in January 2025. A dash '-' indicates insufficient sample size (less than 30) to generate a star rating.

How can you save money on Tesco Bank car insurance?

Tesco Bank's Gold policy is only available direct (on its website or by phone). The other three policies can also be purchased via the following price comparison websites:

Compare the market
Confused.com
MoneySuperMarket
Quotezone

Tesco doesn't offer discounts for purchasing multiple products or multiple policies. However, Clubcard members can get discounts.

Above information correct as of December 2023.

Check that you're getting a great deal and search for a new car insurance policy using the service provided by Confused.com. Get a quote now

Tesco Bank: How can I claim?

The contact number to make a claim is 0345 677 3377.

Find out more: is it worth claiming on your car insurance?

Tesco Bank car insurance review