Over 50s Car Insurance

24-hour online accident reporting via Your Insurance Account

Accidents don't just happen between 9 and 5. That's why we allow you to log and manage some claims online. We also have our UK-based accident helpline open 7 days a week.

Protection for you and your passengers

Our Car Insurance offers medical expenses and personal accident cover, meaning you and your passengers can enjoy peace of mind when you’re on the road. We also cover loss of personal belongings after an accident.

Protection for your vehicle

Our Silver comprehensive and Gold customers are covered for accident, fire, theft, and windscreen damage. We also cover loss or damage of permanent in-car equipment like satnavs.

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

If you are an existing customer, go to our existing customer page for further information

With our comprehensive Bronze car insurance cover, you get cover for your vehicle that includes:

Small courtesy car

You’ll get a small courtesy car to help you keep going while yours is being repaired following a claim. There are a few exclusions, so please check the details.

Fire and theft cover

We'll pay for loss or damage to the car caused by fire, theft or attempted theft.

Replacement child car seat

We'll replace any child seats that are fitted to the car at the time of an incident, even if you can't see any damage. You can't be too careful with your precious cargo. £300 limit applies to Bronze cover.

UK cover extended to EU for up to 90 days

With our Car Insurance, you can drive on holiday in the EU, and there's no need to pay extra. Your cover is extended to any EU country for a total of 90 days within the period of your insurance if you're a UK resident.

Emergency medical treatment

If you or your passengers are involved in an accident in the car, we'll pay up to £100 in medical expenses to treat each injured person.

Personal accident cover

Our Bronze car insurance cover provides up to £1,000 compensation for serious injury to you or your partner whilst travelling by car.

24-hour online accident reporting via Your Insurance Account

Accidents don't just happen between 9 and 5. Your policy gives you access to log and manage some claims online. We also have our UK-based accident helpline open 7 days a week.

Audio/visual/electronic equipment cover

This includes any stereo, satnav, telephone and entertainment equipment, that are fitted to your car by the manufacturer.

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

With our comprehensive Silver car insurance cover, you get cover for your vehicle that includes:

Everything in Bronze cover plus:

Uninsured driver promise

Our Silver cover comes with peace of mind that if your car is hit by an uninsured driver, you won't be penalised for it. As soon as we validate the details of the incident (including the other vehicle's make, model, and registration number), your no claims discount will be reinstated, and your excess will be refunded.

Windscreen cover

A chipped windscreen doesn’t have to spoil your day. We'll pay for the cost of repairing or replacing your broken or chipped windscreen or windows. We'll also pay for any scratching to the paintwork that might have been caused by broken glass from the windscreen or windows.

Audio/visual/electronic equipment cover

This includes any stereo, satnav, telephone and entertainment equipment fitted to your car by the manufacturer or aftermarket.

Cover for personal belongings

Your personal belongings are covered up to £200 if they're lost or damaged in the car following an accident.

Making sure you get there

You can claim up to £150 towards any costs you might have incurred getting to your planned destination (or home) if you're involved in an incident that results in a valid claim.

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

With our comprehensive Gold car insurance cover, you get cover for your vehicle that includes:

Everything in Bronze & Silver cover plus:

Misfuelling

We'll pay for draining and cleaning the fuel tank at the filling station or after being towed to a garage.

Lost keys

We'll pay up to the equivalent replacement cost up to the market value of any keys that are declared lost.

Enhanced courtesy car

You'll get a courtesy car that is equivalent in size to your car. There are a few exclusions, so please check the details.

Replacement child car seat

We'll pay up to the equivalent replacement cost up to the Market Value for any damage.

Cover for personal belongings

Your personal belongings are covered up to £500 if they're lost or damaged in the car following an accident.

Personal accident cover

Our Gold car insurance cover provides up to £7,500 compensation for serious injury to you or your partner whilst travelling by car.

Making sure you get there

You can claim up to £500 towards any costs you might have incurred getting to your planned destination (or home) if you're involved in an incident that results in a valid claim.

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

Third party, fire and theft cover will pay for the legal liability incurred by you for the death of or injury to any person and/or damage to property caused by or arising out of you using your car.

This cover is only available on Silver car insurance, where the vehicle value is less than £5,000

Fire and theft cover

We'll pay for loss or damage to the car caused by fire, theft, or attempted theft.

Replacement child car seat

We'll replace any child seats that are fitted to the car at the time of an incident, even if you can't see any damage. A £300 limit applies.

UK cover extended to EU for up to 90 days

With our Car Insurance, you can drive on holiday in the EU, and there's no need to pay extra. Your cover is extended to any EU country for a total of 90 days within the period of your insurance if you're a UK resident.

Emergency medical treatment

If you or your passengers are involved in an accident in the car, we'll pay up to £100 in medical expenses to treat each injured person.

24-hour online accident reporting via Your Insurance Account

Accidents don't just happen between 9 and 5. Your policy gives you access to log and manage some claims online. We also have our UK-based accident helpline open 7 days a week.

Audio/visual/electronic equipment cover

This includes any stereo, satnav, telephone and entertainment equipment that are permanently fitted to your car.

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

For an extra charge, you can get even more peace of mind with our optional add-ons.

Breakdown cover

Don't be left stranded if your car breaks down. Add breakdown cover provided by RAC to your car insurance policy. Whether it’s roadside cover for your everyday commute or cover that extends to Europe for driving holidays with your family, there are four levels of cover, making it easy to find the one that’s right for you.

Tesco Insurance Breakdown Cover is provided by RAC Insurance Limited.

Upgraded courtesy car cover

If you need 7 seats for your family or space in the back for your dog, a small courtesy car might not cut it. Add this cover and you’ll get a car that’s similar in size to your usual one. It’ll be yours for up to 28 days when your car is out of action, even if it’s deemed unrepairable by the approved repair network. Included in our Gold cover as standard.

Tesco Insurance Upgraded Courtesy Car Cover is underwritten by Tesco Underwriting Limited.

Key cover

With our additional key cover, you’re covered for keys that are lost, stolen or broken. Our 24-hour helpline will also come to your rescue if your keys are lost, locked inside your car or broken in the lock. After 14 days, cover is provided for all insured keys (including your house and business keys) and we'll organise replacement keys and locks up to £1,500 per policy. Terms apply

Tesco Insurance Keycover is underwritten by AA Underwriting Insurance Company Ltd. Claims are handled by Keycare.

Motor Legal Protection

Motor Legal Protection provides you with cover for legal costs and expenses, up to £100,000, if you ever need to claim compensation for personal injury against the person responsible for the accident, where you are more likely than not to have a successful outcome. Terms and conditions apply; you'll find more details in the policy booklet.

Motor Legal Protection is underwritten by AmTrust Europe Ltd.

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

With Your Insurance Account, you can manage your policy anytime.

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.