Insurance Reviews

Tesco Car Insurance : Complete Guide 2023

About Tesco Car Insurance

Tesco Car Insurance is not only arranged and administered by Tesco Bank but also underwritten by Tesco Underwriting Ltd. What this means for you is reliable coverage with a strong foundation. If you’re looking to enhance your coverage, you can opt for Optional Extras Insurers like Motor Legal Protection (underwritten by AmTrust Europe Ltd), Breakdown Cover (underwritten by RAC Insurance Ltd), Keycover (underwritten by Ageas Insurance Ltd, with claims managed by Keycare), and more. The cover details, monetary limits, exclusions, excesses, and terms are all outlined in your policy documents.

In today’s fast-paced world, owning a car is not just a luxury, it’s a necessity. We rely on our vehicles to take us places, and that’s why having the right car insurance is so important. One name that stands out in the world of car insurance is Tesco Car Insurance. With a Defaqto 5 Star rating and a comprehensive level of cover, Tesco Car Insurance offers you the peace of mind you need when you hit the road.

Why Choose Tesco Car Insurance?

  1. Comprehensive Coverage:

    Tesco Car Insurance boasts a Defaqto 5 Star rating, ensuring you get a high level of coverage for your vehicle. Whether it’s protecting against accidents, theft, or fire, you can rest easy knowing that your car is in good hands.
  2. Convenience at Your Fingertips:

    Managing your car insurance policy or making a claim has never been easier. With Tesco Car Insurance, you have the freedom to handle everything online, at any time. No need to wait in long queues or make endless phone calls – the power is in your hands.
  3. UK-Based Accident Helpline:

    Accidents can happen, but you’re never alone with Tesco Car Insurance. Our UK-based accident helpline is available 7 days a week, ensuring you have the support you need when you need it most.
  4. Clubcard Prices:

    Saving money is always a plus, and with Tesco Car Insurance, Clubcard members can enjoy exclusive Clubcard Prices. Just enter your Clubcard number when prompted during the quote process and watch the savings roll in.
Tesco Car Insurance

Special Offer for Young Drivers: Black Box Insurance

For younger drivers aged 17 to 35, Tesco Bank offers a unique opportunity – Box Insurance. This innovative concept involves installing a black box in your car to monitor your driving habits. Safe driving is rewarded with bonus miles every month. It’s that simple! Depending on how you drive, your renewal price could go up or down.

Benefits of Box Insurance:

  • Comprehensive Coverage: Just like regular car insurance, Box Insurance offers comprehensive coverage for your peace of mind.
  • No Claims Discount: Every year you go without making a claim, you’ll enjoy a no claims discount.
  • Reward for Safe Driving: Drive safely, earn rewards! You can earn up to 100 Bonus Miles every month for your responsible driving.
  • Clubcard Member Discount: If you’re a Clubcard member, you’re in for a treat – a guaranteed discount on your insurance.
  • Backed by Aioi Nissay Dowa Insurance UK Ltd.: Your Box Insurance is arranged, administered, and underwritten by the trusted Aioi Nissay Dowa Insurance UK Ltd.

A Closer Look at Tesco Car Insurance Coverage:

  1. Uninsured Driver Promise:

    Accidents involving uninsured drivers can be frustrating, but with Tesco Car Insurance, you won’t face penalties. Your no claims discount will be reinstated, and your excess will be refunded after validating the incident details.
  2. Small Courtesy Car:

    A claim shouldn’t disrupt your life. Tesco Bank provides a small courtesy car to keep you moving while your car is being repaired.
  3. Fire and Theft Cover:

    Whether it’s fire, theft, or attempted theft, Tesco Bank has you covered for loss or damage to your vehicle.
  4. Windscreen Cover:

    A chipped windscreen is no big deal. Tesco Bank pays for repairs or replacement, including paintwork scratching caused by broken glass.
  5. Replacement Child Car Seat:

    Safety is paramount, especially for your little ones. Tesco Bank will replace child seats in your car after an incident, even if there’s no visible damage.
  6. In-Car Entertainment Equipment Cover:

    Permanently fitted stereo, sat nav, and entertainment equipment are also protected by Tesco Car Insurance.
  7. Extended UK Cover to EU:

    Planning a European getaway? Your Tesco Car Insurance extends to EU countries for up to 90 days within your policy period, making those last-minute escapes stress-free.

Emergency Assistance at Your Fingertips

Emergencies can catch us off guard, but Tesco Car Insurance has got your back. In case of a breakdown, you can reach out to their Breakdown Assistance at 0800 003 001. And if you ever lose your keys or they get stolen, you have a helpline ready to help at 0345 366 0228. Note that this number might be part of your inclusive call minutes provided by your phone operator.

Tesco Car Insurance emergency

Tesco Bank Box Insurance: A Smart Option for Young Drivers

If you’re a young driver aged 17 to 35, Tesco Bank has something special for you – Box Insurance. This innovative approach involves installing a small black box in your car. This clever device, neatly out of sight, keeps an eye on your driving habits. With no curfews or fines, you enjoy a fixed premium for the year. Choose from 6,000, 8,000, or 10,000 miles as your base, and if you need more, you can easily top up. Tesco Bank Box Insurance is brought to you in partnership with Aioi Nissay Dowa Insurance UK Ltd. Keep in mind that your renewal price may change based on factors like your driving behavior.

Managing Your Policy

Sometimes circumstances change, and you might need to cancel your policy. While we’d be sad to see you go, Tesco Car Insurance has a process in place. If you need to cancel, get in touch with Customer Services or send a letter to the provided address. Remember, there’s a £40 fee for canceling your policy, unless it’s within the first 14 days. You also have the freedom to opt-out of automatic renewal whenever you wish.

Accessing Your Documents with Ease

With Tesco Car Insurance, accessing your policy documents is a breeze. If you’ve registered for Your Insurance Account, you can view, download, and print your documents any time of day. Just select the relevant policy and navigate to ‘View documents’ from the home screen. Please ensure your information is accurate and up-to-date to avoid any hiccups in your coverage.

Proof of No Claims and More

Your No Claims proof is important, and you can find it in your cancellation or lapse letter within Your Insurance Account. If you’re not registered yet, take a few minutes to do so, and you’ll have instant access to your documents. Simply select your policy, click ‘View documents,’ and choose the relevant document – be it your renewal pack or cancellation/lapse letter.

Answers to Common Questions

  • Fees: Tesco Car Insurance might charge fees for mid-term changes (£25 admin fee) or cancellation (£40 cancellation fee after the cooling-off period).
  • Missed Payment: If you miss a payment, contact Tesco Car Insurance promptly to avoid the risk of policy cancellation.
  • Adding Additional Drivers: Any driver should be named on your policy. You can add drivers through Your Insurance Account, but remember, adding drivers could impact your premium.

Tesco Car Insurance Contact Details:

Tesco Car Insurance Phone Number:

For queries and changes to your policy or any additional cover – 0345 246 2895

Get a quote – 0345 366 8631

Key Cover claims – 0345 366 0228

Breakdown assistance – 0800 003 001

Calling from a mobile phone – 0113 209 3098

Tesco Car Insurance Official Website – www.tescobank.com

In Conclusion

Tesco Car Insurance brings simplicity, coverage, and flexibility to your driving experience. From emergency assistance to smart solutions for young drivers, Tesco Bank is committed to your safety and convenience. Whether you’re cruising through the city or embarking on a road trip, rest easy knowing Tesco Car Insurance is your partner on the journey.

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