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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

Tesco pet insurance does not pay claims

I had a healthy dog when I took out the policy. But a few months after taking out the policy she was in pain and stiff on her legs. So I took her to the vet and tried to claim for the treatment. Tesco refused to pay out as she had a leg issue a year before. They never called to discuss the claim and completely failed to investigate it properly. I was claiming for an injury that’s been caused by rough play of a growing pup. I have a broken wrist thanks to the pup’s rough play (she bounded into me and tripped me up) and I have a witness see one time in the park when the pup knocked into the older dog and sent her flying. My older dog yelped in pain and rolling around afterwards. But rather than call and have me explain the circumstances. Tesco looked for any excuse not to pay out. Rather than it be an injury they prefer to make out that it’s an existing illness. Had they called they would have learnt I have a video of my dog playing with a 10 week pup in full health with no leg issues. Which dates the video at the point I took out insurance. I can also show a video of her playing now which shows her back to full health. So they’re trying to make out she had a condition before insurance is complete nonsense. Reviewed on: 3rd June 2022

please stay away

i would give 0 stars if i could. the engineer came out to fit my black box but told us he wouldn’t do it as my car is “modified”, and that tesco does not insure modified cars. i was unaware of this as i wouldn’t necessarily class a STICKER as a modification. we were then told that if i were to remove the “modification” they would insure me. i paid £50 to get the “modification” removed, only to be told they would be unable to insure me whether i had it removed or not, despite being told otherwise. i only bought insurance with them as the quotes were very cheap, well you definitely get what you pay for with tesco bank insurance. customer service is also appalling. tried discussing a complaint on the phone, and they hung up on me. please go elsewhere do not waste your money and time. Reviewed on: 19th May 2022

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Customer service sucked

The people will not help they only assume that you are laying and they can't make you belive that in case of worst you are coverd . They are rubbish. I made a small claime with them they didn't even listen they just declined as froud. Reviewed on: 10th May 2022

Robbers

Declined my renewal policy via phone but it was not logged on system had taken out insurance with another company three month later get letter from debt collection agency for not paying Tesco policy contacted them they fobbed me off not interested I have to pay the debt but hey convinced all my family and friends to cancel all dealings with Tesco’s got 8 mobile contract 3 house insurance and 2 cars so good customer service you robbing company AVOID AVOID Reviewed on: 18th April 2022

Competitive quote

Hello I found Tesco Car Insurance quoting a competitive price compared to household names. Worth the effort. Reviewed on: 2nd April 2022

Very bad

I couldn't upload No-Claims Bonus Proof, I did that on day seventh but they already cancelled me! Never ever recommend this company for a car insurance Reviewed on: 30th March 2022

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Hshshejsyshjauiite maritantimnti re a al 7 miclarinh Reviewed on: 22nd March 2022

. Avoid Tesco car insurance at all costs

They fish you in when you’re looking for your first car insurance, once your in their trap they will undoubtedly double the cost when your policy automatically renews & when you call wanting to cancel you get charged cancellation fees & other hidden costs. Their customer service team are not as honest & stand with you need to pay without coming out with a resolution. Pathetic Reviewed on: 25th February 2022

AVOID TESCO CAR INSURANCE!

I had a incident with my car 4 weeks ago and was told by tesco car insurance, my car will be collected and receive a courtesy car within 2 days. 4 weeks later, chasing this up 3/4 times a week with insurance, enterprise and the local garage they recommended with them and these parties all claiming my car is drivable! Despite warning lights, broken open bonnet all visible on the car and no one has physically inspected it. 4 WEEKS ON AND I AM STILL CARLESS, WELCOME TO TESCO CAR INSURANCE! AVOID ! AVOID! AVOID! Reviewed on: 10th February 2022

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