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Tesco Bank: Car insurance reviews

Name: Car insurance
Rating: 2.64 (527 reviews)

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2.48

Based on 527 reviews, last reviewed 23rd Nov 2025

100% decrease in 5 star reviews

in the past 90 days

300% increase 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

Complete and utter joke - do not insure your car wit... Complete and utter joke - do not insure your car with them. Had a brick through the back windscreen last night. I tell them and they say my car is a c... Read more Reviewed on: 23rd November 2025

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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.

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Tesco Bank Car insurance reviews (527)

Poor service

First poor experience was a cracked windscreen - crack was getting bigger but I had to wait almost a month to get it repaired. My current experience is they encourage you to complete claim form online and then it commutes to it's the other parties fault irrespective of what you put on your claim form. The fault was all mine, so rather than put the other person through the nonsense I went through a few years ago, where the other party accepted the blame at the time but his boss didn't want to pay out, I paid for the other person's car repairs and she's all sorted. In the meantime, I'm met with silence on my car and when you email them you get a stupid standard text back and nothing moves forward. Changing my car soon, and my car insurance company! Reviewed on: 10th July 2023

Windscreen repair misery!

As with all car insurance companies, they're great until you have to make a claim! We had a stone hit our windscreen which spread into a crack through the driver's side windscreen, making the car illegal to drive due to poor visibility. Tesco's only use National windscreens which had a HUGE queue of customers waiting for attention. In the end, we were without use of our car for ONE MONTH! When I looked online, Autoglass could have had it all fixed and sorted within less than a week (although of course we had to use National Windscreens because that is the contract Tesco's have!). I explained all of this to Tesco's, how I needed the car for school runs and oncology appointments, and they were entirely unsympathetic. Wouldn't give any form of refund and wouldn't even consider supplying a courtesy car (because it wasn't on our policy), even though not having a car for over a month was completely due to their crappy contracts! Absolutely hopeless. Which is a shame because I have plenty of Tesco products. But certainly wouldn't use again and wouldn't recommend. July 2023. Reviewed on: 10th July 2023

First car was a total loss and Cat S, now it's repairable

Avoid these clowns at all costs. They contacted me when one of their customers hit my parked car, claiming it would be easier for them as the third party to handle the claim. After a very large quote to repair the damage, they instructed an independent engineer to assess the car. Their report stated the car was a total loss and a Cat S. Tesco called me to arrange a settlement figure but they changed their mind when the realised my car had PCP finance on it despite the report that they had stating the car was on PCP. I was promised the car was not going to assigned a Cat S by a manager but it initially was. All of a sudden, the total loss and Cat S was being ignored and the car repaired. Tesco's broker have stated that this should still be a Cat S and not simply ignored. I have also not been told why the car was classed as a Cat S, despite me asking numerous times. Reviewed on: 5th July 2023

Awful service. Clueless!

I called to cancel a policy as I had sold the car. I asked how much I would have to pay to cancel and I was told £30. I asked this same question numerous times just to make sure. So I payed the £30 fee and thought nothing of it. A couple of weeks go by and suddenly I get a letter asking for another £87. I went on holiday and came back to a letter from a debt collection agency. Absolute joke of a company, will avoid from now on. Reviewed on: 3rd July 2023

Took 8 months to make a decision

Tesco car insurance is probably the worst insurance company I have had to deal with. I had a theft from my vehicle where a playstation was stolen. They couldn't give me a quote for how much installation replacement would cost so ended up dragging it for 8 months until I had to cancel the claim so I didn't pay a premium on my renewal. I am now complaining to the financial ombudsman, be warned, they will do anything to not pay out. Pay a bit extra and go with a proper insurer. Reviewed on: 26th June 2023

Phoned to make a change on policy before it started

Called to change partners date of birth After trying to sell different extras They wavered the £25 because the policy hadn’t started then said there would be a £30 fee for my partner being 51 instead of 61 Absolutely unbelievable Canceled Reviewed on: 24th June 2023

Car insurance

I bumped my car 5 weeks ago s as bud still haven’t heard anything when I called today I was told to call the garage myself to chase them !!! Sorry what am I paying you for Reviewed on: 13th June 2023

Terrible no customer service

Tried to cancel car insurance as took the quote up with Tesco but then found a much cheaper car quote. Tried 3 times to cancel on hold for over 50 minutes then they put phone down . God only knows if you had an accident Reviewed on: 13th June 2023

Stay away from Tesco insurance

Hi It is 8 months now, since my wife had accident and my disabled daughter was hurt in the car, They send her to physiotherapy for a session and that all we never heard back from them, Every time we call Tesco insurance they saying it’s the solicitor, we ask to call or email you , Nothing absolutely nothing But the very first thing they did was her insurance premium gone high a lot, even the accident wasn’t her fault, someone hit from behind My advice to you all , stay away from Tesco insurance Reviewed on: 9th June 2023

The worst experience I've had.

Insured car by phone - two months later discover the car is uninsured. Tesco finally acknowledge the transaction - no apology. I would NEVER use this company again. Reviewed on: 5th June 2023

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