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Tesco Bank: Car insurance reviews

Name: Car insurance
Rating: 2.48 (528 reviews)

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2.48

Based on 528 reviews, last reviewed 6th Jan 2026

100% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

30%

11%

53%

Latest highest rating:

4

Very straight forward and good value for money Very straight forward and good value for money Reviewed on: 5th September 2025

Latest lowest rating:

1

I have been a policyholder for over 25 years and hav... I have been a policyholder for over 25 years and have never been requested to provide a photograph of my driver's license, vehicle logbook, or proof o... Read more Reviewed on: 6th January 2026

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About this product

Tesco car insurance has three levels of cover: Bronze, Silver and Gold.

If you buy a Tesco car insurance policy, you’ll have access to the accident helpline, seven days a week. If you’re a Clubcard holder, you’ll be able to get a discount on your premiums. If you have any queries about your policy, you can call the UK-based team.

Tesco car insurance reviews help you find out what it’s really like to be a customer. If you’ve used Tesco before, you can also leave a review and share your experience.

Tesco Bank Car insurance reviews (528)

Review of the Tesco Bank, Car insurance:

Don't do it!

Don't do it! I chose them as best value for money when looking at different providers in August 2024. Then a tree came down in Storm Darrah yesterday, it fell on the car in my driveway. No-one was in the car. Luckily it didn't have full weight of the tree on the car as a wall was in the way, but there are dents in the roof and on the bonnet. Purely cosmetic - I can drive it to the garage, all the doors open fine. I filled in the claim form online, and took over an hour, and on the last page received instant notice that it's my fault, a total loss and I don't get a courtesy car. The car is perfectly fine. But a form tells me that it's a total loss? No ones come to assess it? This is criminal -You can't provide a service and assess something as written off if it's in your best interest and are financially motivated to do so. I assume you've done this because prices to fix cosmetic damage with the garage have gone up because of inflation. Its outrageous! The car cost me 10,000 last year second hand, this year it will be the same to re-buy, but I'll be lucky to get 3,000 from Tesco, just because it costs around that to get it fixed. I've now been on hold for 22 minutes trying to get an explanation... Just spoken to a woman who said will take 2 weeks to get an engineer out and not entitled to courtesy car while we wait for Tesco to assess the damage only if its in repair. Apparently that was an optional extra to pick when I signed up but I'm the stupid woman who didn't pick it. In summary: When a storm hits the UK, and a tree falls on your car while its parked on your driveway, it's your fault, and if your so lucky that it only scratches and dents the roof, it's a total loss, and good luck buying a car with the scraps they want to pay you. Reviewed on: 9th December 2024

Best car insurance

The best price compared to the services offered Reviewed on: 23rd August 2023

Quick & Easy

Found it difficult to get reasonable quote after an accident Tesco were not only reasonable but quick and easy toto adjust when accident found in my favour Reviewed on: 23rd August 2023

Better than most

Great service friendly customer service and support Reviewed on: 23rd August 2023

Smooth as silk, always the best price

Great service. Always the best price, always phone on renewal and on the couple of occasions I’ve found a better price they’ve always beaten it by a decent amount Not had to claim, but by accounts it is nice easy Reviewed on: 22nd August 2023

No Accidents, but still double insurance prices

Hi, I do a lot with Tesco. Shopping, mobiles(4), car and house insurance. I naturally use Tesco to save money and it's a great service, close to my house and with EV charging for my EV. However, this year my insurance doubled and I have a no accident history, but good drivers are being penalised for the bad drivers. Why?, because we pay for good insurance, not like the rubbished offered by go compare, whoses companies will not pay out or want enourmouse £500+ payments, in the event of a crash. These insurances are rubbish and all should have fully comp. Where I live in Bermondsey, London, the driving is very poor and many young men can by a fast car for £3000, not insure the car and drive faster than the speed limit. I have a front screen camera and some of the footage would make a movie with scrapes, accidents or stupid driving. I have a safe driving app and great score. None of this counted and I have children like everyone else. So, I paid up and sucked it in, but next year, if it doubles again, the car will go and I love my Nissan EV, Tesco points or not!!!!! Simon Reviewed on: 22nd August 2023

Useless Windscreen Cover

3 weeks to book replacement windscreen from their suppliers Nation Windscreens only to be cancelled on the day and told to wait another 2 weeks but they will probably cancel again-unbeleivable. Reviewed on: 22nd August 2023

Thieves, avoid

Most Awful experience I ever had with, despite I'm having full breakdown cover, they've left me stranded in the dark in the middle of nowhere with 2 little kids and a newborn and they're team behind the phone are very rude and incompetent Reviewed on: 14th August 2023

Use Any car insurance besides them

Run by allowed of crooks and pirates do anything not to pay a claim, rather take the risk and use no insurance than pay another penny to these scammers. Reviewed on: 13th August 2023

Praise where Praise is due.

My claim was dealt with, my car assessed, repaired and returned all within a couple of weeks. There were 2 ladies in particular whom I spoke with from Tesco Bank, (Elaine and Sue,) who were incredibly kind, helpful and patient. I was kept updated throughout the whole process. Can't fault my whole experience with them. Reviewed on: 8th August 2023

Avoid Tesco Car Insurance

Avoid them like the plague. I've been with them for a few years now, I'm a 56-year-old driver with a 7-year no-claims bonus. I've been paying £26 a month and they had always been great with my car insurance, even lowering my monthly premiums from £29 odd. Last night I received an email to renew as I do every year, but for some reason, they'd increased my payments to £60 odd. I was furious and called them this morning, stating that an agent of theirs actually told me after I changed my address, that the premiums wouldn't change. When I asked the agent why the increase, all he replied was, "I'm sorry we can't disclose that information as the underwriters don't tell us anything, they just increase premiums when they like." My response was simply that this was ridiculous and disgusting and I won't renew. What's the point of being with you people if you do things like this and on top of that, you refuse to give us a reason why! Well. I shall be going elsewhere - in fact, I'm now, as of this morning, with Quote-Me-Happy, paying £25.33 a month. There you go, times are hard and it's very unfair that these greedy companies think they can call the shots as and when. Reviewed on: 4th August 2023

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