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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

Amazing insurance company

Gotta say Tesco car insurance is the best insurance company ever to deal with from the first phone call after I crashed the car on Thursday recovering the car to our Home, the engineer coming out to assess the damage, sorting out the courtesy car and actually paying out has been seamless definitely a 5 star rating from us and highly recommended, Reviewed on: 29th September 2017

Good customer service

Customer service reps helpful and easy to deal with. The answer customer queries clearly and accurately. Genuinely interested in getting the right product for the customer. Reviewed on: 26th September 2017

Refused to insure my daughter for 10 days

When my daughter comes over from abroad I usually get in touch with my insurance company and get her covered for my car. This year I chose Tesco to insure my car and when I phoned to get cover for my daughter they refused and also would not give me a reason why. She now has to hire a car. I will not be renewing my insurance with them next year!! Reviewed on: 22nd September 2017

Car insurance with tesco Bank

For several years now Tesco bank comes in at the cheapest price with the conditions i want - i.e. £0 voluntary excess, low compulsory excess, etc. I've never had to claim on insurance so I cant comment on the ease of this for any insurer, but for me getting a cheap deal with a name I know is important to me Reviewed on: 12th September 2017

reasonably priced products

The insurance I have is very well priced and appears to be a good product. I have received good customer service each time ive had to call Reviewed on: 9th September 2017

Huge jump in car insurance come renewal.

I purchased car insurance through Tesco Bank, for a Jaguar XF. When I purchased last year, their price was the cheapest compared to other insurance companies (when I added my clubcard). I've just received my renewal documents through. Despite the additional years no claims bonus, the premium has jumped £500! Clearly Tesco don't want me as a customer, since its £750 cheaper for me to go elsewhere. The chap on the phone couldn't come anywhere near close, and just offered to send me my cancellation documents... Reviewed on: 9th September 2017

An absolute rip off!!

I've been with Tesco Bank car insurance for a couple of years now and have always been happy with the price & service. I've recently been made unemployed so asked how my premium would change to use my car for business use as a sole trader when I start my own business in the next couple of weeks. At first they told me it would reduce my premium by £13 due to significantly reduced annual mileage (previously 30K per year). Great I thought! Then they asked when I changed occupation to being self employed. So I explained that I was currently unemployed and will be starting self employment in the next couple of weeks. "Ah well ", said Tesco, "if you are currently unemployed, we'll have to charge you an additional £99 premium for the remainder of your cover". What!!!!! So it seems that my change in circumstances from travelling 30000 miles a year all over the country, to having the car standing on the driveway at home pretty much all day every day is a far greater insurance risk!! Can anyone please explain to me the logic - preferably someone from Tesco? The agent I spoke to certainly couldn't explain it; he just resorted to, "well that's what it's come back as." Whatever happens in future, there is no way on God's Earth, that Tesco will ever get any more business from me!! Reviewed on: 6th September 2017

Best value for money and good online.

Very good value for money and the online service that goes with the black box was very useful in checking how well I was driving! Also the people over the phone were very efficient and helpful. Reviewed on: 5th September 2017

Great, Hassle free insurance company

There is nothing to complain about, great policy, prices and company Reviewed on: 5th September 2017

Pet insurance

Ok customer service maybe try a little harder to keep customers for longer than a year!! Reviewed on: 27th August 2017

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