Help for existing car insurance customers

Your Insurance Account


Your Insurance Account is the quick and convenient way to manage your car insurance policy online. Register now for access to your policy wherever and whenever suits you best.

    Make a claim

    If you need to talk to us about a new or existing claim, then give us a call or simply make a claim online. Visit our claims page to make sure you have everything you need before getting in touch.

      Your Insurance Account

      If you’re looking to check and change your policy details or view any of your documents you can do this online with Your Insurance Account.

        Here are your documents:

        Managing your policy

        It’s important to let us know if there are any changes to your circumstances or details to help ensure you're covered in the event of a claim. This also applies to other named drivers on your policy.

        You can make changes to your car insurance policy and update your personal details in 'Your Insurance Account'. Simply click the Log in button and make the changes whenever you want.

        Log in to Your Insurance Account

          We will send you details of your insurance renewal invitation approximately 21 days before your policy comes to an end. This will contain details of your renewal price, any changes to the terms and conditions and whether you need to contact us to complete your renewal.

            If your policy renews automatically

            If your policy renews automatically you don’t need to do anything. Your policy and any optional extras you’ve selected will continue.

            Don’t forget you can opt out of automatic renewal at any time. Simply log in to Your Insurance Account and click 'Manage Renewal', or just give us a call.

            If you don’t want to renew your policy or if any of your details have changed, you’ll need to contact us before your renewal date.

            Contact us

            If we don't hear from you we'll automatically renew your policy and take payment from the card / account details most recently provided. If you're not the card or account holder you must ensure that the card / account holder has agreed to make the renewal payment and they're aware of any changes to the amount.

              If your policy does not renew automatically

                If your policy doesn’t automatically renew, you can accept your renewal by simply logging in to Your Insurance Account before your renewal date. If any of your details have changed you need to contact us before your renewal date.

                You can change your policy to automatically renew to ensure your cover continues. Simply log in to 'Your Insurance Account' and click Manage renewal, or you can just give us a call.

                If you haven't registered for Your Insurance Account it's quick to do, just click the 'Register' button and follow the simple steps. Make sure you have your policy number to hand.

                Register

                If you don't want to renew your policy with us you don't need to contact us. Your policy will end on your renewal date and we'll send you confirmation, which will include proof of your no claims discount.

                  If you need to cancel your policy, please call us on 0345 246 2895*.

                  *This number may be included as part of any inclusive call minutes provided by your phone operator.

                    Breakdown Cover, Upgraded Courtesy Car Cover, Key Cover and Motor Legal Protection are available at an additional premium to add to your cover at any time - all with a guaranteed discount for Tesco Clubcard members. Full details can be found in your policy documents - copies of these can be found at the bottom of this page.

                    If you wish to add any of these products to your policy please call us on 0345 246 2895*.

                    All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our policy booklets. See our policy booklets

                    *This number may be included as part of any inclusive call minutes provided by your phone operator.

                      Important information

                      Our range of insurers:

                      Tesco Car Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.

                      Optional Extras Insurers:

                      • Motor Legal Protection is underwritten by AmTrust Europe Ltd
                      • Breakdown Cover is underwritten by RAC Insurance Ltd
                      • Keycover is underwritten by AA Underwriting Insurance Company Ltd. Claims are handled by Keycare
                      • Upgraded courtesy car is underwritten by Tesco Underwriting Ltd

                      You’ll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.

                        The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.

                        Please make sure that you read the version applicable to your start date or renewal. You can find this date in the sections of the policy terms applicable to the cover you selected.

                        You can view any documents and make changes to your policy online in 'Your Insurance Account’.

                        Go to Your Insurance Account

                          If you have a Standard car insurance policy, click here for your policy booklet:

                              If you have Bronze, Silver or Gold policy, click here for your policy booklet:

                                  Car Insurance Policy Booklet for Cover Plus policies:

                                      How we use your data

                                      Tesco Personal Finance plc takes the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our privacy notice.

                                      Please see our privacy notice if you would like to know more

                                      We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase; or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.

                                      We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out financial and insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.

                                      We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.

                                      Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK Residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you on an ongoing basis.

                                        Our cancellation fees are changing from 02/05/24 and will apply to new policies from that date.

                                          Difference in fees and charges for policies taken out before and after 24 April 2024

                                          Fee type

                                          Policy started before 02/05/24

                                          Policy started after 02/05/24

                                          Administration fee for changes to your policy once it has started

                                            £25

                                              £25

                                                Cancellation fee if you cancel your policy before cover has started

                                                  £0

                                                    £25

                                                      Cancellation fee if your policy is cancelled within the cooling off period

                                                        £0

                                                          £25

                                                            Cancellation fee if your policy is cancelled after the cooling off period

                                                              £40

                                                                £50

                                                                  If you already have a policy with us, the new fees will apply to any renewals from 02/05/24 and your renewal invitation letter will explain these changes to you. Until then, the fees before 02/05/24 will continue to apply.

                                                                    How does my existing standard insurance relate to Bronze, Silver and Gold levels of cover?

                                                                    We’ve made some changes to expand our Car Insurance products, providing more options to our customers. If you have standard car insurance it will have the same features and benefits as Silver car insurance.

                                                                    Car Insurance frequently asked questions

                                                                    We're sorry to hear you're considering cancelling your Car Insurance policy.

                                                                    To cancel your policy, you will need to call us on 0345 673 0000*. There will be a £25 fee for cancelling your policy within the first 14 days, or £50 for cancelling after 14 days. You can find more information in your policy booklet.

                                                                    You can opt out of automatic renewal at any time. Just log in to Your Insurance Account and select 'Manage Renewal'.

                                                                    Alternatively, you can write to us at:

                                                                    Freepost RSJB-RZZY-HTJB
                                                                    Tesco Insurance Customer Service
                                                                    P.O. Box 276
                                                                    Newcastle Upon Tyne
                                                                    NE12 2BT

                                                                    If you've made a claim and are found to be entirely or partly at fault and the policy is then cancelled, the full annual premium must have been paid/will be due.

                                                                    *Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                                      The easy way to view your documents and manage your policy is by using Your Insurance Account.

                                                                      You can:

                                                                      • View, download and print any of your policy documents at any time.View, download and print any of your policy documents at any time.
                                                                      • Check your renewal price and renew online.Check your renewal price and renew online.
                                                                      • Make changes to your policy like changing your address or vehicle, adding or removing drivers and opting in/out of automatic renewal.Make changes to your policy like changing your address or vehicle, adding or removing drivers and opting in/out of automatic renewal.
                                                                      • Upload and send us documents such as your proof of No Claims.Upload and send us documents such as your proof of No Claims.
                                                                      • Find proof of your No Claims in either your cancellation or lapse letter.
                                                                      • Make changes to your personal details such as changing your name or address.Make changes to your personal details such as changing your name or address.

                                                                      Please note that if you have an open claim, policy endorsements or any outstanding payments then you will not be able to make any changes to your policy via Your Insurance Account.

                                                                      Not registered for Your Insurance Account? It only takes a few minutes and all you’ll need is your policy number and a few details. If you would like to find out more about what is available in Your Insurance Account then head to our Your Insurance Account help page.

                                                                        Joining Clubcard is easy, you can register in-store or online at Tesco Clubcard.

                                                                        Did you know that you are guaranteed to receive a discount if you provide us with your Clubcard number when taking out a Tesco Car Insurance policy with us?

                                                                        Already have a Tesco Car Insurance policy with us? Then contact us and this will be taken into account when your policy is due for renewal.

                                                                          This will depend on factors such as your age, occupation and the type of policy cover and product you choose (please note: it is only available on Silver and Gold cover, where eligible).

                                                                          The cover applies on a third-party-only basis if you have the vehicle owner's permission, and the vehicle is registered, insured and legal to drive in the UK, including insurance in its own right.

                                                                          Your Certificate of Motor Insurance (section 5) will confirm if you are eligible to drive another vehicle, or if this cover is excluded from your policy.

                                                                          Full details of any limitations are in your policy documents.

                                                                            If you are experiencing difficulty paying, you must contact us as soon as possible.

                                                                            If you have previously paid annually for your policy, you could change to monthly payments at renewal to help spread the cost out. You can log in to Your Insurance Account to do this. Please be aware that you would be liable to pay interest if you pay monthly.

                                                                            If you pay monthly and need to update your payment details, please call the Customer Service team on 0345 673 0000*. To ensure we can access your policy quickly and make the necessary changes, please ensure you have your policy number and new payment details ready when calling us. Please note that if you want to amend your payment date or bank details for your direct debit, we need a minimum of 10 working days’ notice.

                                                                            Please note that any missed payments could result in your policy being cancelled, leaving you uninsured.

                                                                            * Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                                              We'll offer you our best renewal price based on the details we hold about you. This means any new quote you get from us will be the same price or more, as long as it's based on the same details.

                                                                              To help us give you our best price, please check all the information we have is up to date. The easiest way to do this is to check your renewal invite.

                                                                                Anyone who drives your car should be named on your policy as an additional driver.

                                                                                You can add a driver by logging into Your Insurance Account. Adding additional drivers to your insurance could increase the overall cost of your policy but you will not be charged a fee when completing via this service. Your insurer reserves the right to refuse cover based on age, licence, residency and experience of the proposed additional driver.

                                                                                If you want to add a temporary driver they can be added to your policy up to a maximum of 28 days over the policy year. To do this, you will need to contact us and have your policy number ready. An administration fee will be applied and must be paid in addition to any change in premium.

                                                                                  Car Insurance claim

                                                                                  If you need to make a claim on your Tesco Car Insurance policy, you must tell us within 7 days of becoming aware of any incident. We know how stressful it can be but the sooner you report it, the sooner we can help you.

                                                                                  Making a claim online couldn't be easier. Our simple, online process will guide you step-by-step through making a claim. Visit our Making a car insurance claim section to find out more. Alternatively, our claim phone lines are open 8am-8pm Monday to Friday, 9am-5pm Saturday and Sunday.

                                                                                  If you need to make a claim against one of your optional extras, you can also find the relevant telephone number on our website. Where possible, please quote your policy number which you can find on your schedule.

                                                                                    Windscreen claim

                                                                                    If you have Silver or Gold Comprehensive cover and need to claim any glass in your car, your excess is stated on your insurance schedule: Repair - £10, Replacement - £75.

                                                                                    Windscreen cover is unlimited when you use an approved windscreen repairer. Please note that we do not cover glass sunroofs. You will not be entitled to more than £125 for windscreen damage, minus the excess if you use a non-approved repairer. Windscreen claims do not affect your No Claims Discount (NCD).

                                                                                    If you do not have Standard Comprehensive cover, or if you have Bronze cover, you will not have Windscreen cover.

                                                                                    Should you need to make a claim, please call Tesco Glass Line (Autoglass) on 0345 677 8888*. Autoglass also have an online claims platform where you can report your glass damage online as an alternative to calling Tesco Glass Line.

                                                                                    * Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                                                      You'll still need to let us know about the incident, even if you don't want to claim. Find more information on making a claim.

                                                                                      If you do claim, we'll ask the insurer of the person responsible for the incident to pay for the costs of your claim. Once we've received our money back, we'll close your claim and reinstate your No Claims Discount if it was affected. If you paid an excess, you'll be able to get this back from the insurer of the person responsible for the incident. If you have Tesco Legal Guard on your policy, we'll put you in touch with someone who can help you to do this.

                                                                                        If you make a claim for an accident and the other driver of the car or motorcycle is uninsured, as part of our Uninsured Driver Promise, we’ll refund your excess and reinstate your No Claims Discount provided:

                                                                                        • the accident was not your fault and the other driver wasn’t insured.the accident was not your fault and the other driver wasn’t insured.
                                                                                        • you provide us with the make, model and registration number of the vehicle that hit you.you provide us with the make, model and registration number of the vehicle that hit you.
                                                                                        • you can give us the other driver’s name, address and names and addresses for any independent witnesses where possible, to help confirm who was at fault. you can give us the other driver’s name, address and names and addresses for any independent witnesses where possible, to help confirm who was at fault.

                                                                                        This cover only applies to Silver and Gold Comprehensive levels of cover. When you make your claim, you might have to pay your excess, and you may lose your No Claims Discount while the claim is investigated. Once we're satisfied the uninsured driver was responsible for the accident, we'll refund your excess and reinstate your No Claims Discount.

                                                                                          When you apply for cover, you have the option of adding protection for your No Claims Discount (NCD) if you have a minimum of 4 years NCD. You must also have had no more than one fault claim in a 3-year period to be eligible. Your NCD will then be maintained in the event of up to 2 claims within the first policy year.

                                                                                          If you renew your policy and have two claims in a 3-year period, NCD protection will be removed, and if you were to have a third claim in this time, your NCD will be reduced.

                                                                                          Without NCD protection, claims where we are unable to make a full recovery from a third party will reduce your NCD.

                                                                                          NCD protection does not protect your premium and you may have to pay a higher premium and excess from your next renewal if any claims are made. Your NCD will not increase in any years in which you have a claim. If you renew your Tesco Bank Car Insurance policy, the terms of your No Claims Discount protection will change. More information on how Protected NCD may be affected by multiple claims can be found in the policy booklet.

                                                                                            The Car Insurance excess is the amount you will have to pay towards a claim. The voluntary excess is set by you and the compulsory excess is set by your insurer.

                                                                                            Voluntary excess - You can set this as low as zero to reduce how much you'd have to pay out in the event of a claim, or you can increase it to reduce your premium. When selecting your voluntary excess, make sure you can afford to pay this amount, as the repairer of your car won't return it until you've paid the excess. Additionally, if you set a voluntary excess near to or above your vehicle value, you may not be able to claim for loss, damage, or theft of your vehicle. Furthermore, you won't be able to reduce your voluntary excess during the term of the policy.

                                                                                            Compulsory excess - This is set by your insurer and may vary depending on the type of car you have, your age and your driving experience and that of any named drivers. You cannot alter the compulsory excess. The voluntary excess is added to the compulsory excess to give the total excess you would need to pay when claiming. For example, if you choose a voluntary excess of £350 and a compulsory excess of £100 is applied, the total excess you'd pay would be £450. This answer specifically relates to Tesco Car Insurance.

                                                                                            If we've assessed that you weren't responsible for the incident, you'll be able to claim your excess back from the other driver's insurer. If you have Tesco Motor Legal Protection cover on your policy, we'll put you in touch with our Legal Protection provider who can sort this out for you. If the claim is settled as a fault claim, or there is no one else involved to claim from - for example, when your vehicle is stolen or hit whilst parked - then unfortunately, you won't be able to claim back your excess.

                                                                                              Yes, you can take your car on holiday within the EU without letting us know for up to 90 days in any policy year. All drivers must be permanently named on the policy and must be permanent residents in the UK. This means that any temporary additional drivers are not eligible to drive your car abroad.

                                                                                              If you exceed 90 days, then your cover will reduce to minimum foreign use cover required by law in the country in which you are driving. Foreign use cover is not provided for any car driven under a customer's "driving other cars" extension. Cover in these circumstances is restricted to the geographical limits of the policy (Great Britain, Northern Ireland, the Isle of Man, and the Channel Islands). For more information, please see your policy booklet.

                                                                                              You will need an International Driving Permit. You can find out more about getting an International Driving Permit by going to the UK Government website on driving abroad. We also advise that you carry your Certificate of Motor Insurance with you when travelling. You can view your Certificate of Motor Insurance by logging into Your Insurance Account.

                                                                                                We may ask to see your latest renewal invitation or cancellation letter sent to you from your last insurer and that it is:

                                                                                                • in the name of the policyholder, from a recognised UK-based insurance company less than 2 years old (unless your last Car Insurance policy was with Tesco Bank, then it can be up to 3 years old)in the name of the policyholder, from a recognised UK-based insurance company less than 2 years old (unless your last Car Insurance policy was with Tesco Bank, then it can be up to 3 years old)
                                                                                                • showing the number of years no claims (foreign No Claims Discounts are not acceptable)showing the number of years no claims (foreign No Claims Discounts are not acceptable)
                                                                                                • an acceptable document (renewal/cancellation/NCD record) on company/letter-headed paper. Please check your policy wording for full details (including exclusions and limitations).an acceptable document (renewal/cancellation/NCD record) on company/letter-headed paper. Please check your policy wording for full details (including exclusions and limitations).

                                                                                                We will contact you by letter or email within the first 10 days of your cover start date if we require proof of no claims, which can be uploaded via Your Insurance Account.

                                                                                                  We charge fees for:

                                                                                                  Mid-term changes to your policy once it has started
                                                                                                  If you call us to make the change we'll charge an administration fee of £25 in addition to any change in premium. You will not be charged an administration fee for completing a change online, but you may have to pay an additional premium as a result of the change.

                                                                                                  Cancellation of your policy within the cooling-off period
                                                                                                  We'll charge a cancellation fee of £25.

                                                                                                  Cancellation of your policy after the cooling-off period
                                                                                                  We'll charge a cancellation fee of £50.

                                                                                                  This information is contained within your policy booklet.

                                                                                                    We aim to update the MID (Motor Insurance Database) as quickly as possible after you purchase a policy or change your details. This is usually done within 48 hours but can take up to 7 working days.

                                                                                                    It might be handy to print out a copy as evidence of insurance during this time. The police use data from the MID to combat uninsured driving and enforce motor insurance laws. Insurance companies also use it to obtain details of other drivers when they have been involved in an accident. If your details aren't on the MID, the police may stop you. There is a risk that the police could seize your vehicle if the correct details aren't registered.

                                                                                                    For private individuals, it is the driver's responsibility to ensure they have the right level of coverage and the responsibility of the insurance provider to get details of a policy or changes onto the MID. If your vehicle is not on the MID database and you have Tesco Car Insurance, please call us on 0345 673 0000*, and we will do our best to resolve this for you as quickly as possible. Should you be stopped within this time, the police can contact us to confirm cover.

                                                                                                    *Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                                                                      Contact us - we're here to help

                                                                                                      Have a question or need help applying? Our friendly, UK-based customer service team is here to help.