Making a car insurance claim
You can make a claim quickly and easily with our online service or by giving us a call.
How can we help?
For your safety:
- Move your car – try to get it off the road
- Leave the car – stay a safe distance away
- Be seen – put your hazard lights on
A few things to expect:
- You'll need the vehicle reg or your postcode
- If you don't have breakdown cover, we can still help, but you'll need to pay for it
- This won't affect your no claims discount
If you have added Key Cover to your policy, then you have up to 45 days to start your claim.
Call our partners at Keycare on:
Lines are open 24/7 and calls may be recorded.
*This number may be included as part of any inclusive call minutes provided by your phone operator.
If you don’t have Key Cover, don’t worry as the following is already covered as part of your policy:
Theft of Keys – included across all levels of Insurance and has a set limit on each cover level. Excludes Third Party, Fire & Theft.
Loss of Keys – only covered by our Gold Car Insurance and it is up to Market value to replace your keys.
You need to start your claim within 24 hours of the incident, so please contact Tesco Insurance directly to make a claim.
Bronze Cover or Third Party Fire and Theft or Third Party Only on Silver Cover:
Windscreen cover is not included in your policy. You can still call our partners Autoglass on the number below but will have to cover the cost yourself.
To find out which level of cover you have just sign into Your Insurance Account.
Gold Cover or Comprehensive on Silver Cover or Standard Cover or Cover+:
If it’s only damage to your windscreen or window, you can call our partners at Autoglass on:
A few things to expect:
- You'll need the vehicle reg or policy number
- This won't affect your no claims discount
- If your sun roof has been damaged then you’ll need to contact your underwriter to make a claim
*This number may be included as part of any inclusive call minutes provided by your phone operator.
Join the thousands of customers who have sorted their claim online
- We'll guide you through the easy process step by step
- It's fine if you need to stop at any time - we'll save your information at each step
- You should be done in about 20 minutes
- We're just at the end of the phone if you need any help
You won't be able to claim online if your incident involved:
- 3 or more vehicles
- A motorcycle, caravan, trailer, cyclist or pedestrian
- Your car blocking a road or path or you feel unsafe
Please call us on 0345 677 3377* to talk through your claim.
Or call us on 0345 677 3377*
(If you have difficulties with your hearing or speech, contact us through the Relay UK app. You can find out how to use Relay UK on their website.)
Available 7 days a week and calls may be recorded.
*This number may be included as part of any inclusive call minutes provided by your phone operator.
If you started your claim online, we’ll have saved your progress so you can easily continue at any time.
If you gave us a call to start your claim, you'll need to complete your claim by giving us a call.
Or call us on 0345 677 3377*
(If you have difficulties with your hearing or speech, contact us through the Relay UK app. You can find out how to use Relay UK on their website.)
Available 7 days a week and calls may be recorded.
*This number may be included as part of any inclusive call minutes provided by your phone operator.
Misfuelling is only covered by our Gold Car Insurance. If you’ve put the wrong fuel in your car, please call us on 0345 677 3377* to make a claim.
Available 7 days a week – calls may be recorded.
* This number may be included as part of any inclusive call minutes provided by your phone operator.
If you made your claim online, you can log in to manage your claim, find out about its progress, upload photos and videos or provide additional information.
Or call us on 0345 677 3377*
(If you have difficulties with your hearing or speech, contact us through the Relay UK app. You can find out how to use Relay UK on their website.)
Available 7 days a week and calls may be recorded.
*This number may be included as part of any inclusive call minutes provided by your phone operator.
What you can expect
- If your car is damaged we'll arrange repairs
- We'll confirm whether you'll be getting a courtesy car
- If the car is beyond repair we'll pay you the market value
- Once you're done, you'll be able to track your claim online
- We'll deal with any other parties involved
Car Insurance FAQs
This will depend on factors such as your age, occupation and the type of policy cover and product you choose (NB: 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.
Please check your Certificate of Motor Insurance to confirm if you are eligible to drive another vehicle (under section 5).
Full details of any limitations are in your policy booklet.
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.
Please see our existing FAQ 'How do I add or update my additional driver details?' for instructions on how to do.
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 our Customer Service team and have your policy number ready. An administration fee will be applied and must be paid in addition to any change in premium.
When you apply for cover, you have the option of adding protection for your No Claims Discount (NCD) if you have a minimum of four years NCD. You must also have had no more than one fault claim in a three-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 three-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 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 your policy booklet.
If you've driven a company car and the company have made no claims during that time, you could be eligible for a no claims discount provided that;
- the car has been used for both personal and business use with you as the main driver
- you also need to have been claim free on the company car for a minimum of one year
- you are no longer using the company car
- you will need to provide proof on company headed paper stating that you have been using the car for personal and business purposes