Write a review

Go to business site

Tesco Bank: Car insurance reviews

Name: Car insurance
Rating: 2.48 (528 reviews)

View other Tesco Bank products

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

Read all reviews See your review

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:

I am extremely disappointed with Tesco Bank Insurance.

I am extremely disappointed with Tesco Bank Insurance. After being a loyal driver with 12 years of No Claims Discount (NCD), I made a claim following an unfortunate accident. Not only did they significantly undervalue my car when processing the claim, but they also slashed my NCD from 12 years down to just 3 years! This feels incredibly unfair and unprofessional, especially as I’ve never had a claim in over a decade. Their customer service is unhelpful, and they seem more interested in taking money than providing fair and transparent services to their customers. I expected much better from a well-known insurance provider. If you’re considering insuring your car with Tesco Bank Insurance, think twice—there are much better options out there that value customer loyalty and offer fairer claims processes. Absolutely not recommended. Reviewed on: 8th January 2025

Shoddy treatment for loyal customer

I’ve been with Tesco for 16 years and have only had need of their claims department twice in that time. The first time was when someone nearly wrote off my car; the second was when a van driver reversed into me without looking. The first time I claimed Tesco were fast and my opinion were very good and I was soon on the road within a month, so when the van driver reversed into me I was pretty confident in my insurance provider-WRONG. After two months of waiting, calling back to ask on the progress of my claim and sending emails that got ignored I was basically told I would have to stump the cost of the repair myself because it fell under my excess. Fair enough you might say, but I was told on the phone by the only competent and interested member of their team that they were going to hold the other party fully responsible for the damage to my car. I phoned up some weeks later and was told they were waiting on the other party to come to a compromise. The next time I phoned up about three weeks later I was told “They hadn’t hear from the third parties insurance company for weeks.” so what really was going on here? well one guess was I was getting very close to my renewal date and maybe Tesco wanted to keep me daggling on a hook because with a case still on going the company thought it was in its best interests to keep me in the dark so I would obediently renew because of the case. However like I told the young lady on the phone I’m not happy with Tesco giving me misinformation and as their premium for the next year is high I will no longer require their services. Her response was “sorry to hear you’re not happy” well folks after thousands of pounds spent on this company over the years I feel so much better hearing that. My advice is maybe Tesco are good when there is a large claim i.e. a write off when they see hundreds if not thousands can be gained from the other party, but loyalty isn’t their forte. Reviewed on: 4th July 2019

I would not recommend Tesco car insurance to anyone

Some of their staff can be rude and they are expensive and inflexible. Reviewed on: 3rd July 2019

10

Excellent, staff discount, collect clubcard points too Reviewed on: 3rd July 2019

Amazing Customer service!

I needed to change my cover from personal to business, and the staff recommended i do it online to save admin fee. she also offered to assist me while patiently waited for my slow computer to load up. I ended up getting refund on changing my policy. Friendly/amazing customer service would recommend to anyone. Tesco online account is also easy to use and user friendly. Keep up the good work Jubeda. Reviewed on: 25th June 2019

Terrible Service

Went to pay for my insurance and then change my vehicle. They took my card payment then gave me a quote of over £500 for my Jeep Wrangler. I decided to cancel my policy and asked for my card payment to be cancelled. They couldn't do that and wanted to refund it to another card they had on file. After speaking to a manager they can now make a payment back to my card but it will take 7-10 days. Terrible service and very unhelpful staff. I will never use or recommend them again. Reviewed on: 21st June 2019

Complete waste of money, incompetent, appalling service.

Absolutely appalling service I wouldn't give one star to but not possible. This has got to be the worst insurance organisation ever created that has left me constantly surrounded by total incompetence. The car number plates were cloned. This car then had a ding. Short story, Police came round, examined car and interviewed me. They reported that it was a cloned car and nothing to do with me. Eventually Tescos said it wasnt me. lots of worry. NOW 3 years later, have found out they have left the file open and it may effect future insurance. Save yourself AVOID at all cost. May be cheap, but if something goes wrong and you are NOT to blame, they dont care Reviewed on: 7th June 2019

Tesco Boxins car insurance

Bought the Tesco Boxins car insurance for my daughter. Initially it was £1240 for a Ford Ka, After 7 months the Ford broke so we got her a Peugeot 206. This cost us another £470. After 9 and a half months Tesco Boxins cancelled her insurance as she wasn't achieving good enough scores on speeding. Every 500 top up miles she bought was £69.22 I reckon it has cost over £2000 for 9 months insurance and she didn't even get any no claims. Found her a new insurance for £1740 with no black box. Basically I wouldn't recommend this company to my worst enemy. This insurance can charge you what they want. The whole on line side of things is a joke and driving data is always at least a week behind. Rubbish, Rubbish, Rubbish Do not buy under any circumstance. You WILL regret it!! Reviewed on: 4th June 2019

Absolutely appalling service I wouldn't give one star to but not possible.

This has got to be the worst insurance organisation ever created that has left me constantly surrounded by total incompetence. This despite a no-fault accident several weeks ago in March resulting in my car been written off and me unable to get to work. The management running this organisation have successfully created a specialist mantra of "sod you and sort it yourself". What do I do to move things forward. Tesco? Reviewed on: 8th May 2019

Worst car insurance company I have ever had the mispleasure of dealing with

Probably the greediest of all the insurers on the market currently. Sadly giving the industry a bad name and surprised they are in anyway associated with Tesco. Will never use their services again, Reviewed on: 7th May 2019

Quality Cover

This year was the first time that I insured my car with Tesco. I am very impressed. They were by far the cheapest cover but didn't scrimp on cover at all. Have everything that you need for a great all round cover. I would fully recommend getting a quote from them. Reviewed on: 1st May 2019

Do you have a different Tesco Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Caravan Insurance
from Scenic Insurance 0.00 from 0 reviews
Car Insurance
from Cherished Vehicle Insurance 2.00 from 2 reviews
Car insurance
from Co-op Insurance 2.47 from 78 reviews

Want to see more from Tesco Bank?

Life Insurance
from Tesco Bank 4.40 from 2 reviews
Current Account
from Tesco Bank 4.35 from 67 reviews
Clubcard credit cards
from Tesco Bank 3.98 from 325 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub