Tesco Bank Car Insurance

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Why compare car insurance with MultiQuoteTime?

Finding a car insurance policy that meets your requirements can be hard work, especially if you have limited time. That’s why MultiQuoteTime exists! In partnership with QuoteZone, we can provide you access to a range of car insurance options. Use the built-in filters to narrow your search to only the quotes that interest you the most.

Having easy access to multiple quotes by completing one online form should help reduce some of the stress and save time!

Tesco’s Bank Car Insurance Guide

Tesco, in partnership with RBS (Royal Bank of Scotland), extended its supermarket services to provide insurance and banking services. The joint venture started in 1997 with the formation of Tesco Bank

Tesco Bank are able to provide UK customers with a wide range of insurance services. From Tesco Car breakdown cover, to Tesco Van insurance and the ever popular Tesco Bank car insurance products. Similar to ASDA and Debenhams and other large supermarkets, Tesco is constantly expanding the range of insurance products and services it can offer. As they say, every little helps, even when looking for the best pay monthly car insurance policy. 

If you have been searching for “Tesco Temp car insurance” our partner Goshorty can help with short term insurance for cars, learner drivers and business vans.

Tesco car insurance cover is now fully comprehensive

Traditionally, insurers offer three levels of cover as detailed below, but with Tesco car insurance, all cover is at the comprehensive level. You may choose from Bronze, Silver, or Gold cover!

Third-party (TPO)

Third-Party Only (TPO)
Basic cover
The minimum legal requirement to drive in the UK
Will only cover the third party
Provides no cover for your own vehicle.
As a result of the number of third party insurance claims increasing , in some cases it may not be the cheapest option.

Note: Tesco car insurance only offers TPO for Silver policies.

Third-party fire and theft (TPFT)

Third-Party Fire and Theft (TPFT)
Offers more coverage than basic TPO
Includes TPO
Provides protection against theft or fire damage to your vehicle. You are still responsible for covering any costs for damage to your own vehicle.

Fully comprehensive

Comprehensive
Top level
Includes both TPO and TPFT
Covers repair or replacemenet of you own vehicle

Tesco UK Car Insurance Products

Tesco Bank offers standard car insurance for drivers over 21. In addition, they also offer box insurance, which is aimed at drivers 17 to 21 and a black box or telemetric record device must be installed. 

Black Box Insurance For Drivers Aged 17 – 35

This one of Tesco’s Bank’s most popular products and has been extended to age 35, previously was 21.  This product lets you earn a bonus for safe driving 

  • The black box is small and can be fitted out of view
  • Fixed annual premium without curfews or fines.
  • Premium has fixed Mileage, but you have an option to choose a 6,000, 8,000 or 10,000 mile top if required.

Tesco Bank Car Insurance Highlights

Tesco Bank’s car insurance policies stand out from the crowd in that they offer courtesy car cover as an extra. This allows you free access to a credit hire car whilst your vehicle is getting repaired.  Tesco Bank car insurance also provides an option to includes personal accident cover. This cover extends to the policyholder and passengers if they’re injured in an accident.

  • Young Driver Car Insurance by Tesco. Tesco Bank offers a product aimed at young drivers under 21. They also offer Tesco Black Box insurance for drivers between the ages of 17 and 21. This entails installing a telemetric recording device to monitor your driving.
  • Standard car insurance for drivers over 21.
  • For private temporary car insurance, the driver must be aged 18 to 75
  • Discount for club card members : Tesco Clubcard Members can also get a guaranteed discount on Tesco Bank car insurance.

What are the key benefits of a short term car insurance policy?

The key benefit that has led to the huge demand for short term car insurance is that by taking out your own insurance policy, you do not put at risk any no-claims discount the car owner has built up. Key benefit number 2 is the ease of application, in the past the policyholder would need to contact their insurance company and request an additional driver to be added. Many would only provide this service by adding for a full year, when that was not necessary and overly expensive.

What is Tesco UK Multi-Car Insurance?

A policy of this type can usually cover up to five cars and will offer the same benefits as do regular insurance policies. In addition, insurers will give you a discount because you are insuring more than one car with them.

Statistics issued by the UK government show that one in three families now own more than just one car. The cost of insurance is on the rise, so it is a good idea to shop around and consider options such as a multi car policy. 

Nowadays, with high house and rental prices, many older children will opt to stay at home for just a bit longer. It’s not unusual to have three or four cars on the drive. A household of flat-sharing young professionals could easily have five cars registered to them.

Insurance companies claim that families that have more than one vehicle routinely save more than twenty per cent on their insurance premiums. Do take note that this is a claim, and it may not always be the cheapest option. 

The vehicles that are covered on a Multi-car policy must be for private use only. The drivers that are covered on the policy can drive all the cars insured, providing that there are indeed registered as named drivers of said vehicles.

Uninsured driver promise

Research by MultiQuoteTime shows that the number of uninsured drivers is increasing at an alarming rate. So it is worth noting that the Tesco bank insurance arm promises not to penalise you, but only if you can provide the registration details of the other vehicle.

Proof of No Claims Discount

Like other insurance companies, Tesco Bank may ask for proof of a no claims’ bonus from a previous insurer. This can the renewal offer or a cancellation leet. This must be uploaded into Tesco Bank account area,

  • A £25 fee will apply for any policy changes once the policy up and running 
  • £40 fee if you choose to cancel after the cooling-off period, they are not specific on what that period is, sol please check with them. 

What fees will Tesco car isnuarnce charge?

One positive point about Tesco Bank is that they are upfront on fees that may be charged and share the following details under their FAQ section

  • The proof must be in the name of the lead driver
  • Be less than 2 years old. If the policy with the no claims history is from Tesco, they will extend acceptance to 3 years
  • Must have been issued in the UK or Northern Ireland (NI).

Contact Tesco bank, United Kingdom

Need to contact Tesco Bank to make a claim?

  • The contact number to make a claim is 0345 677 3377

Not all providers of car insurance are on comparison sites

Whilst, it is advised to get multiple quotes from a few comparative sites to compare deals available against Tesco bank car insurance. It should be noted that some brokers do not offer their products to comparative sites. For car insurance companies not on comparison sites, you must go direct to their website to get your quote.

Compare Tesco’s Bank Car Insurance

MultiQuoteTime in partnership with SEOPA  who provide a simple online form to get multiple quotes within minutes. The quote can then be tailored to your individual driver requirements by the insurance company. Compare Tesco UK car insurance against other providers today.

Tesco Bank car insurance optional extras

Tesco Bank car insurance can be extended to include additional cover, for example, legal protection. See the complete list of optional extras below.

Motor legal protection

Motor legal protection : Legal assistance capped at £100,000

Uninsured motorist protection

Uninsured motorist protection: Cover if involved in an accident with a car without insurance (becoming more common on UK roads).

No Claims protection

No Claims history protection : Option to protect your good driving history 

Comprehensive cover options from Tesco Bank

Bronze

Courtesy car
Minimum compulsory excess £200
90 day comprehensive EU cover
Windscreen cover
Uninsured driver promise

Silver

Courtesy car
Minimum compulsory excess £100
90 day comprehensive EU cover
Windscreen cover
Uninsured driver promise

Gold

Upgraded Courtesy car
Minimum compulsory excess £0
90 day comprehensive EU cover
Windscreen cover
Uninsured driver promise

How to compare Tesco Bank car insurance quotes at MultiQuoteTime.co.uk

Personal Details: details about you, your age, and address
Vehicle Details: Age of vehicle, estimated costs to replace, annual mileage estimate
Policy Details: Level of cover and any additional extras that you would like.

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs.

MultieQuoteTime Shares Tips on getting affordable motorhome insurance in 2025

Getting the best deal on any insurance policy depends on the level of risk you pose. Some factors, such as the property’s postcode, are fixed. However, you do have control over others. Below, we have listed some of the key factors to consider.

Limited Mileage

Limited Mileage: This can have a big impact. Fewer miles equate to lower risk for the insurer, which should lead to a lower premium from insurers.

Clean driving record

Clean Driving Record: Insurers often reward policyholders with a clean driving history by offering lower rates and better coverage options. Practice safe driving habits and build a good no-claims history. 

Pay Annually not Monthly

Monthly payments are convenient, but they often work out more expensive due to additional processing fees. If possible, paying annually can help reduce the overall cost.

Get Mutiple Quotes

Compare Multiple Quotes: Use sites like MultiQuoteTime to get multiple quotes and compare a range of insurance options. This should help you in your journey of finding more affordable insurance.

Increase the Voluntary excess

Voluntary excess: At the moment, all insurance policies come with an excess, the amount you would be held responsible for in the event of a claim. By volunteering to increase this, the insurer should, in return, provide a cheaper quote.

Increase security

Provide safer parking than, for example, a garage or driveway if possible. In addition, taking simple steps such as installing an alarm if not already fitted or adding a tracking device can also help bring down the cost.

Eamonn Turley

Frequently Asked Questions on Tesco Bank Car Insurance

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