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Tesco Bank: Car insurance reviews

Name: Car insurance
Rating: 2.62 (515 reviews)

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2.36

Based on 515 reviews, last reviewed 10th Apr 2025

100% increase in 5 star reviews

in the past 90 days

17% decrease in 1 star reviews

in the past 90 days

30%

10%

54%

Latest highest rating:

5

From the moment i had my accident which wasn’t my fa... From the moment i had my accident which wasn’t my fault,picking up my phone and calling Tesco insurance the service and care received was as near perf... Read more Reviewed on: 24th February 2025

Latest lowest rating:

1

I was grossly overcharged when I changed my vehicle... I was grossly overcharged when I changed my vehicle four months into the 12 month contract. the amount I had to pay was even more than if I had taken ... Read more Reviewed on: 10th April 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 (515)

Don’t waste your money on it

So the black box of course checks for many things, and in mine it reviews me as good for everything bar speed, even though I am keeping to the speed limits 99% of the time, but have now found out that even if your below the speed limit it can still have you as going too fast if the roads aren’t the best in their view. But also the miles you get is just too much of an issue, as how much they charge if you go past the contracts limit just takes the mick! As I certainly won’t be using them again, and would strongly suggest not using them, especially if you have a black box as part of the deal Reviewed on: 30th January 2024

Do Not use Tesco Car Insurance.

After taking out Tesco car insurance including the discount they offered for Club card Prices, I was amazed to find a week later that I had not been awarded any club card points for my transaction. Thinking there had to be a mistake here as surely they could not use the slogan of club card price reduction if club card points did not accompany? After making a formal complaint I received an absolute pitiful response from Tesco stating that this was actually correct as Tesco Bank was an actual different company to Tesco!! Absolutely pathetic as I have been a Tesco credit card holder for over 20 years accumulating many club card points following on from my credit card spend. I am writing this review as a public service statement to advise anyone who reads not to take out Tesco Car Insurance. From a customer care stance I would only think it right to inform any potential customer that no club card points will be earned for taking out Tesco Car Insurance. Reviewed on: 18th January 2024

DO NOT USE STAY AWAY!!

Overall the worst customer experience I have ever received!! My car was stolen 10 weeks ago police recovered it within 24 hours and had the car for two weeks, Tesco have had my car for 8 weeks and have failed to sort my claim out to date. I have had to phone up multiple times every week and I'm constantly told the customer service agent will phone me back and I have never had a call back. I have been told my car will be scrapped and then they change their minds and say it will be repaired. When I have called for updates I was told on two occasions they don't know where my car is and have lost it, the repair garage have called me twice to collect it from my home because they have been informed it is here which it isn't. I have escalated my case to the claims manager hoping to get somewhere and all he said was I have to wait, the whole experience just felt like I didn't matter and the manager didn't care just wanted me off the phone and now to top off this already unacceptable and disgusting service I spoke with the repair garage this week who have told me Tesco closed my case 5 weeks ago. I am still none the wiser of when my cat will be repaired and if I will get my curtesy car which I'm entitled to. PLEASE STAY AWAY FROM THIS INSURANCE COMPANY THEY REALLY DO NOT CARE ABOUT THEIR CUSTOMERS!! Reviewed on: 12th January 2024

AVOID at all costs!!!

Service is so unsensitive and so rude I don’t even know where to begin with how rude the last person I dealt with was! They don’t pay out and make you have to go through ombudsman to get market value. Avoid I’m out of pocket about 3k :’( Reviewed on: 23rd December 2023

Won't insure my newly qualified son in law who has been driving my car as a learner for well over a year

You just can't speak to anyone - no numbers anywhere - just robots - awful awful Reviewed on: 18th December 2023

Awful Customer Service

Be warned if contemplating taking out Tesco Car Insurance - We are new dealing with the ombudsman and making an official complaint to head office. Shannon on the customer service line needs further training before being allowed to interact with customers. Rude, Incompetent, Argumentative and very unprofessional. Shame on you Shannon your unprofessional behaviour towards an Autistic, Mental Health sufferer is absolutely dispicable and this has been escalated to someone well beyond your paygrade you jumped up little madam. You have just lost Tesco several customers! Reviewed on: 18th December 2023

£40 cancelation fee

I never had to deal with them until I sold my car. Their phone lines does everything they can to get you to hang up, saying they are busy, to do things online, waffeling on about irrelavent stuff. To cancel the policy, i.e. for them to click 1 button and do nothing, costs £40.....ahahaha...never again Tesco. Reviewed on: 12th December 2023

Hopeless customer service and frustrating policy set up process - do not touch with a barge pole

I decided to move to Tesco car insurance following many years with a previous insurer. I applied for the insurance. A week later they sent an email asking me to upload my No Claims Discount. When I logged on, there was no option to upload. I called customer service repeatedly for several days. When I finally got through, they asked me to send my NCD proof via email. I did so immediately. Then no response for several days. I sent reminders. No response. I finally lodged a complaint. They got back to me to say I needed to show the date on my NCD proof, and since more time had passed, the policy was cancelled. But it was cancelled because they sat on it for days and customer service refused to respond! And they are going to charge me a high fee for the few days that I was temporarily insured, it seems. Very very poor all around - I cannot recommend them to anyone! Reviewed on: 11th December 2023

Expensive insurance

For no reason at all. No claims or anything my tesco car insurance has increased £110 from last year. Have been with them a few years now. Never made a claim. Obviously they don't value long term customers.. Looked at other insurance companies and can get a better cover for £100 less.. Bye bye tesco Reviewed on: 24th November 2023

Great Member Of Staff

Had a few problems however Shane has managed to sort this all for me, he is great and really put me at ease. Reviewed on: 22nd November 2023

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