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Tesco Bank: Car Insurance reviews

Name: Car Insurance
Rating: 2.62 (514 reviews)

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2.37

Based on 514 reviews, last reviewed 14th Mar 2025

67% decrease in 5 star reviews

in the past 90 days

167% increase in 1 star reviews

in the past 90 days

30%

11%

53%

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

STAY WELL CLEAR Stay well well clear from this absolutely terrible insurance company! Had non fault accident 7 months ago, to this very day my vehicle is still damag... Read more Reviewed on: 14th March 2025

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About this product

At Smart Money People, we collect Tesco Bank car insurance reviews to help you make an informed decision when choosing your next provider.

Tesco Bank offers car, home, pet and travel insurance policies, with a guaranteed discount for Tesco Clubcard members. Tesco Bank’s standard car insurance policy is available to anybody over the age of 21, with a black box policy available for those aged 17-35.

What do you need from a car insurance policy? Do you want easy access to a simple website in order to manage your policy whenever suits you best? Find out what Tesco Bank customers have to say about its online systems by reading our Tesco Bank car insurance reviews. Perhaps you want protection against uninsured drivers or extra cover for your in-car entertainment. Whatever your needs, check out the reviews on Smart Money People to see how well Tesco Bank has been rated by its customers.

Have you had a car insurance policy with Tesco Bank? Consider leaving a Tesco Bank car insurance review on Smart Money People to help other drivers just like you. Did you use the Tesco Clubcard discount, and if so, did you see a notable difference in price? How did you find the customer service support? Whether your experience is good or bad, share it with our Smart Money People community. Together, we can increase trust and transparency in financial services.

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Tesco Bank Car Insurance reviews (514)

Don't do it to yourself

It's really not worth the time hassle and money. The amount hassle I went through to prove my address even though all document were aligned with the same address they had. They deemed it as no proof of address. Honestly tesco, stick to the groceries and leave the insurance and other bits alone Reviewed on: 19th October 2023

AVOID

I was a member of Tesco Black Box car insurance for a duration of two years. On the 25th of March 2022, I was involved in a vehicular accident, following which I was provided with a replacement vehicle by Enterprise Rent a Car, facilitated through my Tesco Black Box insurance policy. My own vehicle was deemed a total loss, and subsequently, Tesco Insurance disbursed a payout to facilitate a replacement vehicle. This pay-out was subject to a £350 deduction as an excess, with a commitment from Tesco Insurance to reimburse this amount once I was determined to be not at fault. Upon procuring a new vehicle, I chose to retain my insurance coverage with Tesco, incurring an additional £90 fee for the change in the insured vehicle. I was assured that this fee would be reimbursed upon a determination of non-fault status. Furthermore, Tesco Insurance imposed an additional premium of £317 on top of the pre-existing insurance costs for my previous vehicle. Despite my persistent attempts to engage with Tesco Black Box insurance, documented through a series of interactions on 17.05.22, 24.06.22, 28.06.22, 30.06.22, and 02.09.22, no substantive updates were provided regarding the payment from the third party insurance. Subsequently, Tesco Insurance directed me to contact the third-party insurer independently to secure the return of the excess amount. I duly contacted the third-party insurance provider and successfully reclaimed my excess. Nonetheless, Tesco continued to levy a premium of £998.64 for my insurance coverage, even after my policy was renewed on 01.11.12. This was contingent on their assurance that the premium would be reimbursed once a non-fault determination was established. Over the course of more than a year, I maintained regular contact with Tesco Insurance, seeking reimbursement for the expenses. No progress was made in resolving my claim, and Tesco consistently declined to provide the promised reimbursement. Frustrated with the lack of resolution, I opted to terminate my insurance policy with Tesco Insurance on 15.10.23. To my surprise, this action incurred an £80 cancellation fee, and an additional £50 charge for failing to return the black box device, even though such an option had not been presented. Subsequently, I received an email from Tesco Insurance on an unspecified date, confirming the receipt of their payout from the third-party insurer. They also affirmed my non-fault status in the accident and assured the removal of any claims affecting my no-claim discount. Subsequently, I initiated contact with Tesco to request the reimbursement of the outstanding sums. Multiple formal complaints were lodged with Tesco Insurance through email and live chat, all of which have been meticulously documented. In light of the absence of responses from Tesco, I sought legal counsel to pursue the resolution of this matter. On 17.10.23, I received correspondence from Enterprise Rent a Car, stating that they have not received the payment they were due from the third-party insurer, adding to the complexity of the situation. The Enterprise Act 2016 made it an implied term of every insurance contract (taken out since 4 May 2017) that the insurer must pay any sums due in respect of an insurance claim within a “reasonable time”. 1 year and 7 months is not reasonable time Reviewed on: 17th October 2023

Car insurance doubled no thanks

Tesco last year £236 This year £536 No thanks I got it for £276 from very well known company Reviewed on: 14th October 2023

Total lack of communication when dealiing with claims

I have now been waiting over 8 weeks for feedback and satisfaction of my claim - I have been moved form one department to another no feedback and long waits for trudocs over 20 minutes without an answer or resolve - - y worst experience ever !!!! Reviewed on: 29th September 2023

Worst company everrrrr

I had an extremely disappointing experience with Tesco insurance after reporting a flood incident on my car. It took them a staggering three months to send someone to assess the damage. After finally picking up the car and two subsequent calls, they initially claimed it was written off, only to later backtrack, stating there was no water damage, and suggested repairing it. This level of inconsistency and prolonged process is not only frustrating but also detrimental to one's mental health. I strongly advise avoiding Tesco car insurance based on this ordeal. Reviewed on: 27th September 2023

Cowboy insurance company

I went online and purchased tesco car insurance fully comp and business thought all was ok and a good price. But to my horror they phoned a month later to inform me I was not insured for business and could not explain why, the conversation went on for a good 45 mins with the person on the phone contradicting themselves and couldn't explain to me why they had not covered me for business when it clearly says on my policy that I was covered. Wasn't getting anywhere so asked them to cancel the policy immediately and return my money to which they said they would minus £20 for what I don't know they truely should stick to groceries and leave the serious stuff to people who know what they are doing. Tesco have lost all my business now and my families as I will not be dealing with any part of their business again. Terrible customer service, They had me driving round doing my pharmacy patient deliveries with no cover. Go elsewhere is my advice. Reviewed on: 18th September 2023

Joke of a company.

Been with them for 2 years, first year paid £60-£70 no problems no claims nothing.. second year came automatic renewal.. suddenly price is £100 a month.. called up managed to get it back down to £66 a month another year and goes by then this year 2023.. they automatically renal it at £110 I call up on the phone for 40 mins leave the call and their new discount is £115 looool… plus a £30 cancellation fee. Nah go online for 7 mins I find a quote for £48 a month within mins. Reviewed on: 9th September 2023

Ripped off with cancellation fee

Called to cancel my insurance today as it is no longer required and I was advised I had to pay a £40 cancellation fee. So not only has the company received 100’s of pounds from me they still want more. Please be aware before you purchase!! Reviewed on: 1st September 2023

Great Customer Service

Easy to deal with Simple Setup Calling to a person easy enough Helpful Polite What you expect from a service provider. Reviewed on: 30th August 2023

Absolutely disgusting insurance

Wouldn’t even give them 1 star but had no choice. Where do I start. I’ve drove for 7 years and never had a crash or had to make a claim until this year. Now I’ve only had this insurance for 10 months so it’s almost over. I had a crash that wasn’t my fault I immediately contacted my insurance let them know what happened. It then took over a full working week for them to even get back to me about a courtesy car which I paid money for in my insurance. Now my boss recently got into a crash and had to make a claim funny enough he got a courtesy car within 2 days of notifying his insurance. Now I’m not with the same insurance he was but they both used enterprise as a courtesy car place. My insurance failed to get me a courtesy within a working week and said that was acceptable. Not only was I paying ridiculous prices for the car I have but I also have a black box so they wanted £190 off me every month just for a Ford fiesta WITH a black box. So I obviously cancelled my claim because it was over a week I had no car no way of travel so I cancelled the claim and had to sort my own transport out and own temporary insurance until I could fix my car with a private mechanic. All whilst my current insurance is still running so that wasn’t put on hold I was still paying for that aswell. So all these things they should pay for with the expensive insurance I had to fork out money from my own pocket to do their job. So obviously I then filed a complaint. It then took weeks a weeks for them to get back to me I wanted to be reimbursed the money I spent on temporary insurance and vehicle because mine was off the road. They then basically got round to emailing me a month after saying they have done everything up to standards and I will not be getting no money back from them. So I’m taking it further. I suggest anyone that sees this to never go with Tesco Bank Box Insurance they are useless. All they want is your money and do not want to help you. Reviewed on: 29th August 2023

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