Box Insurance FAQs

You can earn up to 100 Bonus Miles each month by driving safely. We calculate your Bonus Miles using information from the box in your car. The safety factors we consider include speed, time of day, smooth driving, taking breaks on long journeys and the type of road you drive on.

You can also earn more Bonus Miles by using the motorway more often. The motorway is statistically safer than other types of road so we reward customers who drive more of their miles this way. Bonus Miles help us work out how much you pay when you renew. They let you prove you are a safe driver and allow us to treat you as an individual. Bonus Miles are awarded on a monthly basis and will appear in Your Portal seven days after the policy month has ended.

You can buy Top Up Miles online via the Top Up Miles page in Your Portal or by phone on 0330 022 2202 at any time. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

The cost of Top Up Miles depends on the price of your policy - this is called your cost per mile rate and it was set when you took out your policy, changed your details, or when you renewed.

You can see the price of your Top Up Miles bundles on the Top Up Miles page.

Top Up Miles are additional miles you can buy if you need more miles (on top of your Policy Miles). If you need to buy Top Up Miles, you are required to pay straightaway. It is not possible to pay in instalments or delay payment. You can use most major credit and debit cards and it can be done online via Your Portal on the Top Up Miles page, or by phone on 0330 022 2202. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

You can buy Top Up Miles in bundles of 250, 500, 1,000 or 2,000 miles in Your Portal, or a set number of miles by calling us, at any time during the term of your policy.

Yes - if the loss or damage to your car is covered by this policy, and your car is being repaired by our chosen approved UK repairer, we will provide a temporary replacement car while repairs to your car are being carried out, provided that one is available.

Temporary replacement cars are usually small cars with a manual gearbox (typically a one litre hatchback or similar). A temporary replacement car is not intended to be an exact replacement for your car. The miles you drive in the temporary replacement car will not be debited from your overall miles.

A temporary replacement car is not available if your car has been stolen and not recovered, if your vehicle is unrepairable or where accidents occur outside the UK. Please read the Policy Document for full details.

Social Domestic and Pleasure cover includes travel/commuting to and from your normal place of work or study and any voluntary work.

You can also add business use and/or commercial travelling for the policyholder and any named driver. This will cover the policyholder and any named driver whilst using the car in connection with their business and/or commercial travelling.

For more information on the exclusions and limitations, please refer to your policy booklet.

No - there is no limit to the amount of Top Up Miles you can buy, however, this policy is designed for people whose mileage over the year is around 6,000, 8,000 or 10,000 miles. If you drive, or are likely to drive, significantly more; this may not be an appropriate policy.

The premium is based on the Policy Miles you select (6000, 8000 or 10,000). You can earn up to 100 additional Bonus Miles each month for safe driving and you can also purchase Top Up Miles in bundles of 250, 500, 1000 or 2000.

Please be aware, if you run out of miles and continue to drive around without purchasing top-up miles, your policy will be cancelled.

You will be insured to drive anywhere in the EU or associated countries. We provide automatic cover for your car when it is being driven within the European Economic Area for up to 90 days for any one trip. We would always recommend that you ensure you have enough Policy Miles available to cover your trip before leaving and, if not, top up your mileage to ensure you have adequate cover throughout the duration of the trip.

Please note: courtesy cars are not available abroad and repairs undertaken abroad are not guaranteed as they are not carried out by our approved network of repairers. Please see your Private Car Policy Document for details; this can be found online via Your Portal.

There are two types of excess: compulsory and voluntary.

A Compulsory Excess is an amount you will have to pay in the event of a claim. The amount will vary depending upon the type of claim you make and will be displayed on your Car Insurance Schedule.

Voluntary Excess is optional and means you agree to pay more towards a claim, but it can reduce the price of your premium - any Voluntary Excess you choose would be in addition to your Compulsory Excess.

You can cancel your policy at any time by calling us on 0330 022 2202*. Cancellation can take effect immediately or from a later date. Cancellation cannot be backdated to an earlier date. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

Provided you have not made a claim, or one has not been made against you, you will be entitled to receive a refund of premium including any premium paid for Top up Miles, less:

Please refer to your Policy document.

To make an amendment to your policy, please log in to Your Portal where you can change vehicle or driver details. Alternatively, you can speak to one of our agents on Live Chat through Your Portal. Please note, this may result in an increase or decrease in premium.

If you prefer to phone, you can call Tesco Box Insurance on 0330 022 2202*. The contact centre is available between Monday to Friday 08:30 - 18:00 and Saturday 09:00 - 13:00. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

The following administration fees apply for policy changes:

If you make more than one change at once, you will only have to pay one fee (whichever is the highest). Insurance Premium Tax will be charged or refunded at the appropriate rate.

You can access Your Portal here using the email address and password you provided. Your Portal is your personal online space. It is where we show you the information gathered by the box, including how many miles you have used and how many remain.

You can also see how many Bonus Miles you have earned, buy Top Up Miles, renew your policy and access your policy documents and any saved quotes.

Your Portal will be updated regularly with your recent mileage use and we will also send SMS alerts if you are running low. We do suggest that you check Your Portal on a regular basis.

If you are running low, you can simply top up your miles via Your Portal, or phone us 0330 022 2202. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

Our administration fees are as follows:

If you make more than one change at once, you will only have to pay one fee (whichever is the highest). Insurance Premium Tax will be charged or refunded at the appropriate rate. Please note that changes may result in an increase or decrease in premium.

If you are experiencing difficulty paying, please contact us as soon as possible on 0330 022 2202*. The contact centre is available between Monday to Friday 08:30 - 18:00 and Saturday 09:00 - 13:00. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

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

There are three different types of miles, Policy Miles, Top Up Miles and Bonus Miles. In your first year with Box Insurance, you use your Policy Miles first, followed by Top Up Miles and Bonus Miles. Policy Miles are the only ones that may not be rolled over to next year's renewal. After renewal, any rollover miles from the previous year are used first, before your new Policy Miles.

Please call Customer Service on 0330 022 2202 as soon as possible and we can update this for you. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

Your Portal will be updated regularly with your recent mileage use and we will also send SMS alerts if you are running low. We do suggest that you check Your Portal on a regular basis.

If you are running low, you can simply top up your miles via Your Portal, or phone us 0330 022 2202. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

As of 1st September 2024, Tesco Insurance will no longer offer any renewals or new policies. This means your car insurance policy with us will expire at the date shown on your renewal email or letter.

Aioi Nissay Dowa UK Limited (AND-E UK), the insurer behind your Tesco Box policy, also provides Autosan Motor Insurance, which is available to customers throughout the UK.

Information about how to apply are shown in your renewal documents.

We no longer offer any renewals or new policies for Tesco Box Insurance. This means your policy with us will expire automatically on the date stated in the correspondence you will have received.

You’ll need to find insurance with another provider. There’s no need to let your future insurer know we’ve not been able to offer you cover.

Whilst we no longer offer cover, you may be able to find other providers that do via the British Insurers Brokers’ Association at biba.org.uk/find-insurance.

We’ll contact you again 21 days before your policy ends to remind you of the expiry date. We’ll also add a notification to Your Portal to let you know we can’t renew your policy.

When your policy with us ends, there's no need for you to do anything. We'll automatically switch this off, so we will no longer receive any of your driving data.

We’ll send this to you by email the day after your policy ends. It will also be available in Your Portal for a further 14 days after the policy end date.

If you have been involved in an accident or believe a third party may make a claim against you, please contact us as soon as possible after the incident on 0330 022 2525 and we will guide you through the process.

Yes - you will have to pay an excess. Please check your policy documents for your agreed excess amount. These can be found online via Your Portal.

If your car is stolen, you need to:

If you have an accident and you need to make a claim, please contact us as soon as possible after the incident on 0330 022 2525 and we will guide you through the process. You must still contact us to report any circumstances that could lead to a claim being made on your Policy. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

You can find details of applicable excesses in your Policy Schedule that you will need pay in the event of a claim for damage to your car. If you are not at fault and you report the incident to us quickly, you may not have to pay any excess. We won't apply your policy excess to a claim for medical expenses, personal belongings, nor when your car is being used by the motor trade or in the custody or control of valet parking.

If you need to make a claim, or require any further assistance, please call our Claims team on 0330 022 2525. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

Yes - however, if you choose not to use our approved glass repairer, the most we will pay will be £200 for a replacement windscreen or £50 for a repair.

The Black Box fitted to the insured car collects a wide range of data, when the car is moving and when it is stationary, such as:

We will post a summary of your driving data on Your Portal, where you will be able to see Bonus Miles awarded to you for positive driving behaviour. Please note that we are aware that occasionally you will have no alternative but to use your brakes severely to avoid an accident; occasional use of 'hard' braking will not be scored against you. We are looking at a number of factors to give an overall assessment of driving.

No, the black box won't affect your car's performance or any electrical components. Your battery performance is more likely to be affected by the age of your battery, other faulty accessories in the car, loose battery cables, extreme temperatures or taking a lot of short trips.

The box installation engineer will tell you if there is a possible issue with your battery life when they are fitting the box to the battery in your car. The power usage of the box is similar to that of a blinking led, such as the one which indicates your alarm is active.

If you have been involved in an accident or believe a third party may make a claim against you, please contact us as soon as possible after the incident on 0330 022 2525 and we will guide you through the process.

The contact centre opening hours are Monday to Friday 08:30 - 18:00 and Saturday 09:00 - 13:00.

Breakdown assistance 0800 003 001, Lost or Stolen key emergency - 0345 366 0228

Calls may be recorded and these numbers may be included as part of any inclusive call minutes provided by your phone operator.

The box should notify us straight away if your car suffers a significant impact. In these circumstances we will assume that your vehicle has been involved in an accident. We will then monitor the position of your car and if it is stationary, we will attempt to contact you by phone to offer you assistance and record the accident or claim details, as appropriate.

If your vehicle is not stationary we will assume that you do not need any immediate assistance and we will attempt to contact you at the earliest opportunity to record the details of any accident or claim that you wish to make. Please note that you still have an obligation to report any accidents or claims to Tesco Bank Box Insurance, and that if the box is damaged or out of service range it may not be able to alert us immediately.

If, when we monitor the position of your car, we notice that it is stationary and the ignition is still switched on, we will assess the severity of the impact, the location of the incident and the time of day. If we believe that you might be injured and/or incapacitated in an isolated or remote location, we will attempt to contact the emergency services and request that they attend the scene of the incident. Also note that we are not able to guarantee that the emergency services will attend, and you should therefore still make all possible efforts to contact them yourself. It is also important not to assume that we are aware of any incident.

You must still contact us to report any circumstances that could lead to a claim being made on your policy.

Yes - you will have to pay an excess. Please check your policy documents for your agreed excess amount. These can be found online via Your Portal.

The changing circumstances might mean that your car will stay unused for some weeks and as a result, the battery life could be affected. We would advise you to start your car for 10 minutes at least once a week to help stop the battery charge being depleted. If you know you won't drive, you might want to buy a maintenance charger.

If there is a problem with the box, we will contact you directly. Most problems can be solved remotely but on the rare occasion that the box needs replacing, we will organise to replace it at a time and place that suits you, at no extra charge.

If your car is stolen, you need to:

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

If you have an accident and you need to make a claim, please contact us as soon as possible after the incident on 0330 022 2525 and we will guide you through the process. You must still contact us to report any circumstances that could lead to a claim being made on your Policy. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

You can find details of applicable excesses in your Policy Schedule that you will need pay in the event of a claim for damage to your car. If you are not at fault and you report the incident to us quickly, you may not have to pay any excess. We won't apply your policy excess to a claim for medical expenses, personal belongings, nor when your car is being used by the motor trade or in the custody or control of valet parking.

If you need to make a claim, or require any further assistance, please call our Claims team on 0330 022 2525. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.

Yes - however, if you choose not to use our approved glass repairer the most we will pay will be £200 for a replacement windscreen or £50 for a repair.

We will be happy to discuss this with you. You can contact us by using one of these methods:

Sending an email to service@boxins.tescobank.com

Following the link to our Live Chat

Calling us on 0330 022 2202. Calls may be recorded and this number may be included as part of any inclusive call minutes provided by your phone operator.