Help for existing car insurance customers

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:

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.

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.

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:

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:

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.