Tesco Bank now provides a wide array of banking services, as well as car, home, pet and travel insurance.
It offers several car insurance policies: Bronze, Silver, Gold and Cover Plus, as well as black box insurance for younger drivers aged between 17 and 35.
We've reviewed the first four policies. Its car insurance is underwritten by Tesco Underwriting.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Check Which? insurance ratings and compare deals using the service provided by Confused.com
Here's how Tesco Bank scored in our latest survey:
To be a Which? Recommended Provider, an insurer must:
We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy badge where there's evidence - either from our surveys or from Financial Conduct Authority data - of poor service or a poorer-than-average record of paying claims.
Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated.
Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:
'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.
We analyse and rate 78 key elements of car insurance policies to come up with the overall policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Tesco Bank's standard Silver policy scored of 62% – just below the average policy score of 64%.
The policy offers a guaranteed courtesy car for the duration of repairs as well as comprehensive cover for overseas driving for up to 90 days as standard.
However, it lacked cover for misfuelling (putting the wrong fuel n your car) and doesn't cover damaged or lost car keys as many policies do.
If your car is hit by an uninsured driver, you won't be penalised provided you have the other driver's details.
As soon as Tesco Bank validates the details of the incident (including the other vehicle's make, model and registration number), your no-claims discount will be reinstated.
Tesco's Bronze policy – which strips out features such as cover for driving other cars and for your car's windscreen and windows – was one of the lowest-scoring in our assessment, earning a score of just 51%.
It's premium Gold policy scored 76%, ranking fourth out of 61 policies. Cover Plus did slightly better than Silver with a score of 63%, but was still below average.
Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.
We asked Tesco Bank customers who have recently made a claim how they felt about their car insurance.
Tesco Bank achieved an underwhelming 63% customer score, which is just below the average of 64%.
Customers were also asked to rate their most recent claim. Tesco earned a middling claims score of 64% – the same as the average (also 64%) and 14th out of 25 companies scored on claims.
Here's how customers rated Tesco Bank on various areas of service:
Select a table:Table last updated in February 2024. Next update in January 2025. A dash '-' indicates insufficient sample size (less than 30) to generate a star rating.
Tesco Bank's Gold policy is only available direct (on its website or by phone). The other three policies can also be purchased via the following price comparison websites:
Tesco doesn't offer discounts for purchasing multiple products or multiple policies. However, Clubcard members can get discounts.
Above information correct as of December 2023.
Check that you're getting a great deal and search for a new car insurance policy using the service provided by Confused.com. Get a quote now
The contact number to make a claim is 0345 677 3377.
Find the right policy for your vehicle using the service provided by Confused.com
Find the right policy for your vehicle using the service provided by Confused.com
Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Introducer Appointed Representative (FRN 610689) of the following:
1. Inspop.com Ltd for the introduction of non-investment motor, home, travel and pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd.
2. LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts. LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.
3. HUB Financial Solutions, for the introduction of equity release advice and an annuity comparison service, who are authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide advice and guidance on financial products for those who have retired or are approaching retirement (FCA Firm Reference Number: 455713). HUB Financial Solutions is registered in England and Wales to Enterprise House, Bancroft Road, Reigate, Surrey RH12 7RP, company number 05125701.
4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.
Other financial services:
Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We do not make, nor do we seek to make, any recommendations or personalised advice on financial products or services that are regulated by the FCA, as we’re not regulated or authorised by the FCA to advise you in this way. In some cases, however, we have included links to regulated brands or providers with whom we have a commercial relationship and, if you choose to, you can buy a product from our commercial partners.
If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Please note that a link alone does not constitute an endorsement by Which?.
