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Tesco Bank: Car insurance reviews

Name: Car insurance
Rating: 2.64 (525 reviews)

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2.49

Based on 525 reviews, last reviewed 1st Nov 2025

400% increase in 5 star reviews

in the past 90 days

No new 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

They don't pay, even if zhey admit their liability I don't know if any of my connections had any experience with #TescoInsuranceandMoneyServices , but I had one of the worst ever possible experience. A... Read more Reviewed on: 1st 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 (525)

Sharks or Incompetent staff, either way we have being shafted

Ever felt like you have being shafted as that’s exactly how I feel, because we have for 1 months direct debit. Rang to cancel my car insurance renewal today. We have made 12 monthly payments already. Unfortunately our 13th payment came out Nov 1st 2021 (today) and the actual car insurance expires Nov 7th 2021 which we have already made the 12 monthly payments on, as you never pay for car insurance retrospectively. So I asked if we can have todays direct debit back as we have already made the 12 payments for the 1st year and it was just unfortunate that the 13th payment which covers the first month of the new year that I am cancelling came out today. No matter which way I described it to the person at Tesco Finance, he simply could not grasp or did not want to grasp, that this 13th payment is for the next 12 months renewal which I am cancelling. In the end I gave up frustrated as this individual (being diplomatic) simply could not grasp simple multiplication. They need to employee call centre staff who can do simple mathematic calculations. As they refuse to reimburse this 13th payment. I wont be using or recommending them, quite the opposite. Reviewed on: 1st November 2021

dishonest

said it was ok to use my car as a camper as i wasn't making any permeant changes then questioned that decision as soon as i made a no fault claim. useless company. avoid. Reviewed on: 18th September 2021

They ruined my life!

I was insured with Tesco bank box for one year They hiked my monthly payments up to £500 a month due to an accident Refused to close the claim on there side so I couldn't leave them Breached my GDPR sent all my details and ALL of my personal information out to an unknown person they did not even notify me that my address had been changed on my account took them SIX MONTHS TO LOOK INTO THIS! they then called me after my policy was over demanding a refund back that they granted me to keep because of the above issue. I could not afford to travel to my key worker job, buy food or live a basic life my policy with them has now made me incur a debt of £2000! AVOID AVOID AVOID Reviewed on: 19th August 2021

Premiums are not competitive

The customer service is good. Everyone I have spoken to is polite. Their online portal is good, easy to use and friendly. However, their quotes for premiums are not competitive at all. They offered me a renewal price of £1370 but other insurers offered considerably less (£765 - £1000) and with half of the total excess! Tesco can also charge or reimburse you for any change in details e.g. if you move address, if you change where the car is parked during the daytime/night time etc. They reimbursed me for address change but took most of it in admin fees, ridiculous. Reviewed on: 3rd August 2021

Great customer service

All the people who I spoke to at Tesco box insurance were so really nice. I would have gone with them again if I didn't find a cheaper quote else where. Would definitely recommend to new /young drivers Reviewed on: 18th May 2021

Ripoff no communication cancel without notice

Rip off they cancelled my car insurance today randomly without warning saying I didn't send them my ncb I had to take out a new policy with them which cost me more I had no choice but to go ahead as needed my car insured ASAP but this time round they managed to get hold of my ncb so didn't know why they couldn't the first time round won't be taking any insurance with tesco again for the following year as it might sound chaep at first but they will con you somehow so beware please don't make the same mistake I did as they don't care about your finances all they care about is making money off you. Reviewed on: 15th April 2021

Black Box Insurance

I was insured with Tesco box insurance for a year, with no issues. Unlike other companies, they don’t penalise you for going slightly over the speed limit. Where I live there are lots of country roads (Cornwall), which means sudden stopping when meeting other cars. My current box insurance hates this. However my Tesco’s black box was great and my score was barely effected by it. If it wasn’t so expensive to insure my new car I would definitely have gone with them again. They were brilliant. Reviewed on: 12th March 2021

Disgusting service

They talk very rude and when the are asked to pass the call to the manager they lie and say they do not have a manager. An absolute joke and rubbish company. Will take them in court. Reviewed on: 16th February 2021

Cheap Hucksters

Quoted renewal to me at £361.92. Via Compare the Market I got it from them for £192.76! Then tried to threaten me that I need to place the renewal via them otherwise they wouldn't pass 'their' NCD to themselves! This year I'm going elsewhere - it will cost a few quid more with Hastings, but fancy making a claim with such a bunch of shysters as Tesco - no way! Reviewed on: 15th February 2021

Robbing b***ards

Absolute robbing b***ards they are!! I have been with them for 4 years now, first 3 years were okay, except my policy kept going up for no reason, and they refused to give me one. This year, I went over my miles(I always have done and this has never been an issue before), they then started charging me per mile i drive, I live up north and tend to drive down south a lot, WHO THE HELL CAN AFFORD THAT?!!! Last month, I topped up my miles by 500, 2 weeks later they are threatening to cancel my policy unless I pay them £200, because they said I am -2000 miles. We have been in lockdown, how the hell could I have driven 2000 miles in two weeks, IN A LOCKDOWN?!!! Not a chance, I even added up my miles to prove it, and I hadn't driven that all.They told me to send them a picture of my miles clock, so they can compare, no doubt they'll tell me I'm wrong when they eventually get back to me. Even though I have worked it out myself. And to top it all off, at the start of them saying I'd have to start paying for my miles like this, I asked if I could cancel my policy, they said it would cost me £330, so either way, they have screwed me over financially. Also, this year, somebody hit my car, so I claimed on their insurance(not mine), my car was written off through no fault of my own, when I got a new car, they still had the cheek to charge me a change of car fee, even though I explained the situation. Absolute joke they are, they have seriously screwed me over financially this year, and as soon as my policies over I'm out, disgrace they are. Please don't even think about going with them!! Reviewed on: 2nd January 2021

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