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;

If you don't have protected no claims, a non-fault claim can affect your no claim discount. This will happen if the claim is still open when you renew, and we're still waiting to settle the claim with the other person's insurance company. It will reduce in accordance with our step back scale. If you have protected no claim discount, this won't be affected by a claim unless you've made more than 2 claims in the policy year (or in any three-year period if you choose to renew with us). If you exceed this number of claims, you'll lose your no claim discount protection, and it will reduce in line with our step back scale as detailed in your policy documents.

When we recover all of our claims costs back from the person involved in the incident, your no claim discount will be reinstated to what it was before the claim, or increased if you haven't reached the maximum of 9 no claim discount years.

As the incident was your fault and we won't be able to recover any of our costs, your no claim discount will be affected unless its otherwise protected. It will reduce in accordance with our step back scale as detailed in your policy documents.

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.

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.

Tesco Motor Legal Protection provides legal cover for up to £100,000 of legal costs and expenses to help you and your passengers claim compensation for personal injury or uninsured losses (such as your excess) from the person responsible for the accident.

Tesco Motor Legal Protection, underwritten by ARC Legal, will appoint a solicitor called New Law on your behalf unless otherwise agreed. Cover is provided where you have a claim that is likely to succeed and where you're likely to recover your losses from the person responsible.

Yes, provided it isn't still being used on a current policy. We will allow an introductory discount if you have:

We will increase this for each claim-free year insured with us up to a maximum of nine years. For example, if you have 5 years of claim-free motorcycle No Claims Discount, we'll give you an Introductory discount when you take out your new policy that will increase year-on-year if no claims are made. Please check your policy wording for full details including exclusions and limitations.

There are a number of reasons why we are sometimes unable to give a customer a quote. These can range from type of car, postcode, your claims and/or credit history or a combination of these. Unfortunately, we are unable to give you a specific reason should we be unable to offer you a quote.

We no longer offer Driver Injury Cover as an additional product. If you have an existing policy that includes Driver Injury cover, cover will remain in place until your next renewal and your renewal invitation will explain the changes to you.

For more information on Driver Injury cover, please see your Policy Booklet. To make a claim, visit our Making a car insurance claim section to find out more.

The excess you will need to pay will depend on the product, vehicle, age or experience, level of cover you have and what type of claim you make. You can choose what voluntary excess you have when taking out your policy. If you want to amend your excess later, you can only do so at the same time as a change of vehicle or at renewal. If you have a compulsory excess, you'll need to pay this in addition to your voluntary excess, so please ensure you can afford to pay the total excess.

If you already have a policy, you can log in to Your Insurance Account, select the policy, and your excesses will be displayed on the home page. Alternatively, your excesses are on your insurance schedule. If you get an online quote, it will appear on the excess table on the 'Your Policy' page. For more information on Car Insurance excesses, read our FAQ: What is the difference between a voluntary and compulsory excess?

If you opted and were accepted for business use when purchasing your policy, it will be shown on your Certificate of Motor Insurance. Please check your Certificate of Motor Insurance to see if you are covered.

If you want to add this to your policy, this can be done via Your Insurance Account. Once you log in, select the policy you want to make the change on. Click on Make Changes from the front screen of your policy. Click Amend car usage from the menu that drops down. Select the date you want your change to take effect from, read the statements carefully and if accepted, click Confirm. Choose what your car will be used for and amend your mileage if applicable. Then click Continue.

You will then be presented with the cost to make the change and the option of adding any optional extras to your policy (also at an additional cost) whilst making the change. If you're happy and want to go ahead, click Go to checkout. If you do not want to go ahead, click Back to your account. If you are unsure about the level of cover you have, or wish to amend your policy, please contact us

You should check your Certificate of Motor Insurance to see if you have commuting cover (travelling to and from a single place of work). This can be found under section 6.

If you are travelling to more than one place of work or would like to change your cover, you can find instructions on how to do this via Your Insurance Account . Any changes in cover may result in an adjustment to the premium you pay.

Unfortunately, not. To earn no claims discount, you must be the policy holder.

If you have Comprehensive cover and your courtesy car has been provided by one of our approved repairers, the car will be covered automatically under your policy.

Please note this is subject to eligibility and availability. If you are insuring a van or your car is being repaired by a garage of your choice, please contact us

Drivers aged 17-25 years old will have a higher compulsory excess to pay than those over 25. This excess is stated on the insurance schedule for the relevant driver.

Please note that drivers deemed inexperienced by our insurer (i.e. who have not held a full UK/EU licence for at least a year) will also have a higher compulsory excess to pay, regardless of age.

This is only covered by Gold Car Insurance. If you have Gold Car Insurance, you should call the claims helpline on 0345 677 3377.

Yes. We will extend this cover for up to 90 days whilst travelling in any of the above countries as outlined in section I of your policy booklet.

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 Mon to Fri, 9am-5pm Sat and Sun.

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. You can access this using this following link: https://www.autoglass.co.uk/glass-repair-and-replacement/. * 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. For more information on how to make a claim, just follow this link.

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 claim 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.

You will not be eligible for a courtesy car if:

This happens when we're unable to recover money we paid out for your claim from the other driver or person involved in the incident. This can happen even though we don't think you were responsible for the incident. If your vehicle was stolen or we can't identify the person at fault, we have to record your claim as 'at fault'.

Your fault claim will affect your no claim discount if you:

If you don't have protected no claims, a non-fault claim can affect your discount. This will happen if the claim is still open when you renew, and we're still waiting to settle the claim with other person's insurance company. Your no claim discount will reduce in line with our step back scale. When we recover all of our claims costs back from the person involved in the incident, your no claim discount will be reinstated to what it was before the claim.

If you have protected no claim discount, this won't be affected by a claim unless you've made more than 2 claims in the policy year (or in any three-year period if you choose to renew with us). If you exceed this number of claims, you'll lose your no claim discount protection, and it will reduce in line with our step back scale.

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.

If your vehicle was written off, you can add a new vehicle to your policy within 90 days of the incident.

If you don't add a new vehicle within 90 days, we'll cancel your policy and ask you to pay the remaining instalment balance (as a one-off payment) if you're a monthly payer. If you're an annual payer, you won't be refunded any of the premium you've already paid. If you need to do this, please call us for details, cost breakdown, and payment options.

Unfortunately, we can’t say either way, as your renewal quote considers a number of factors, not just your claims history.

You will need to report this to the police. After the theft is reported, please call the claims team as soon as possible and your Claims Consultant will help to sort things out as quickly as possible for you. The number you need to call is 0345 677 3377. This number may be included as part of any inclusive call minutes provided by your phone operator.

Your excess is the part of the claim that you have to pay, you agreed to this amount when you took your policy out with us. If your vehicle is written off, we deduct your excess from the money we pay you for the agreed value of your vehicle. Sometimes there's more than one excess on a policy, in which case we add them together.

If you need to talk to someone about an existing claim, you'll need to give us a call on 0345 677 3377. Our claim phone lines are open 8am-8pm Mon to Fri, 9am-5pm Sat and Sun.

If you're partially to blame for an incident, you can claim back some of your excess from the other driver's insurer. The amount you can claim depends on the percentage of blame you're responsible for.

If you and the other driver are both 50% responsible for the accident, you'll be able to claim 50% of your excess back.

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 366 8631*. 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. *Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

You can opt out of automatic renewal at any time. Just log in to Your Insurance Account and click ‘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

"You can view your documents through Your Insurance Account. You can access your documents by selecting ‘View documents’ on the home screen. You’ll then be presented with a list of your documents and the dates they are valid from.

If you aren’t registered yet, it only takes a couple of minutes to sign up.

If you get stuck, we’re here to help. Get in touch by calling us on 0345 366 8631* and we’ll chat you through it step by step. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. *Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator."

If you're worried about falling behind on your payments, please call us on 0345 366 8631* and we’ll take you through your options. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

You'll need to get in touch at least 10 days before your payment is due so we can discuss your options. You can also choose to reduce or change your payment. You can do this by adjusting your cover or changing your Direct Debit date.

As well as our friendly customer service agents, we also have a specially trained customer care team for customers who may a little extra help. What our care team can provide, depending on your circumstances, your options could include:

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

You can find proof of your No Claims in either your cancellation or lapse letter, which can be accessed via Your Insurance Account. Once you've logged in to Your Insurance Account, select the relevant policy and click on 'View documents' on the home page. You will be presented with a list of all the documents available and you just need to select the document you wish to view, either your renewal pack or the cancellation/lapse letter we sent you when your policy ended.

Not yet registered?. It only takes a few minutes to register and you can view, download and print any of your policy documents straight away.

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. If the claim is settled as a fault claim, or there is no one else involved to claim from, then unfortunately you won't be able to claim back your excess.

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

Please check your policy wording for full details (including exclusions and limitations).

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 .

You can change your car via Your Insurance Account. If you make the change, your previous car will be covered on the day of the change until you collect your new car. Although we can provide a quote without a car registration by using just the make and model, you must have this information to go ahead with a change.

Changing details on your insurance could increase the overall cost of your policy, but you won't be charged an administration fee if you complete the change via Your Insurance Account.

To ensure you have continuous coverage, we automatically renew your policy (including add-ons) each year. When your policy automatically renews, payment is taken from the last card we have on file.

You can opt out of automatic renewal by logging in to Your Insurance Account and selecting 'Manage renewal', or you can give us a call. If you pay monthly, we'll continue to collect payment from the same account on your preferred payment date. If you are not the card or bank account holder, you must inform the card or bank account holder of the amount and ensure they have agreed to make the payment(s).

We will send your renewal pack within 3 weeks of your renewal date. Your renewal pack will contain details of your cover, price and any changes to the terms and conditions. If you don't want to renew your policy, or if any of your details have changed, you must contact us before your renewal date.

You can add or remove a driver 24 hours a day via Your Insurance Account. Please see our existing FAQ 'How do I add or update my additional driver details?'.

You can have up to four additional drivers on your policy. These drivers must be added permanently, and you will not be charged an admin fee for completing a change online, but you may have to pay an additional premium for the cover. If you call to make a change to your policy you may have to pay an administration fee, as well as any increased premium if applicable.

If you are adding a driver to your policy you will need to know the driver's details, including claims and convictions history, before we can provide you with a quote. You will also need to know the following about the additional driver:

If you would like to add a driver to your policy temporarily or if your policy is due for renewal, please call our Customer Service team on 0345 366 8631* and have your policy number ready. Please note, an administration fee may apply. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

You can renew your policy by logging in to Your Insurance Account and follow these steps:

After logging in, select the policy and click ‘View renewal’.

Check the information is up to date (any errors could leave you without cover and could also affect how much you pay).

We’ll then ask if you're happy to renew automatically or want to change your payment details (if you pay in full, we'll take your payment immediately).

Confirm your payment details. If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy.

If you pay by Direct Debit, your new payments will start automatically.

If you pay annually, we'll automatically take the new payment from the same card you used last year.

If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.

If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.

If your policy is set to automatically renew but you don't want to go ahead, you can make a change by logging in to Your Insurance Account or calling us on 0345 366 8631* Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

To update your payment details, please call the Customer Service team on 0345 366 8631*.

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

You can manage or update most of your policy information when you log in to Your Insurance Account. You can change your vehicle or class of use, add or remove additional drivers, update your address, add or remove auto renewal and change other personal details.

Not yet registered? It only takes a few minutes to register and you can view, download and print any of your policy documents straight away. You will not be charged an admin fee for completing a change online, but you may have to pay an additional premium for the cover. If you call to make a change to your policy you may have to pay an administration fee, as well as any increased premium if applicable.

You can pay your premium in full by credit or debit card or in monthly instalments by Direct Debit, subject to criteria.

If you choose to pay by monthly instalments, you'll need to pay a deposit using your debit or credit card, followed by monthly payments by Direct Debit spread across the policy term. By paying monthly, you will enter into a Consumer Credit Agreement and interest will be chargeable at the rate shown in your quote. The option to pay your premiums either monthly or in full will be presented when your quote has been generated.

You can change your address outside your renewal period 24 hours a day via Your Insurance Account .

For step-by-step instructions on how to do this, please see our existing FAQ 'How do I change my address on Your Insurance Account?'. All you need is your new postcode and house number, then we can provide you with a quote. If you go ahead and change your address via Your Insurance Account you will not be charged an admin fee, but you may have to pay an additional premium for the cover.

If you call to make a change to your policy you may have to pay an administration fee, as well as any increased premium if applicable. If your vehicle is kept at a different address overnight, then you will need to contact us to make this change.

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. If you call us, an administration fee will be applied in addition to any change in premium.

For more information on our fees, please refer to your Policy Booklet .

If you've made a claim and are found to be entirely or partly at fault and the policy is cancelled, then the remaining annual premium will be retained by the insurer.

Annual Payer: If you pay annually and cancel mid-term, you wouldn't receive a refund (more info can be found in your policy booklet, under section 9.11 - How to cancel your policy).

Monthly Payer: If you pay monthly and cancel mid-term, you need to pay the remaining policy premium as a one-off payment. If you need to do this, please call us for full details, cost breakdown and payment options. (more info can be found in your policy booklet, under section 9.11 - How to cancel your policy).

An affordability check (soft credit check) is carried out when you quote or when we invite your renewal. This happens for all customers, regardless of whether you intend to pay annually or by instalments. Soft credit checks will appear on your credit file as Lexus Nexus and won’t be visible to other credit providers.

Should you decide to purchase or renew a policy paying by instalments, your credit record will be updated to show a hard credit check has also been completed. A hard credit search will show on your credit file as Tesco Underwriting and will be visible to other credit providers.

Joining Clubcard is easy, you can register instore or online at http://www.tesco.com/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.

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.

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 here: https://www.gov.uk/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 aim to update the MID (Motor Insurance Database) 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 366 8631*, 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.

You can retrieve your quote here. All you need is your quote reference, postcode and date of birth. If you have saved your quote, you should have received an email with your quote reference to the email address you provided when you completed your quote. If you don't know your reference number, don't worry, you can also start a new quote on the same page.

When you make a payment by debit or credit card it will usually be authorised immediately. The available funds in your bank account will reduce by the amount of that payment. However, some transactions aren't authorised straight away. It can take 2 working days for a Visa Debit Classic or Maestro card and this could be up to 3 working days for a Visa Debit Solo card. When you see the details on your statement or online banking depends on how quickly your bank processes the payment. Most banks do this within a day or two of you making the payment, but some can take longer.

f you are making a payment for the renewal of your policy or change your card details, the same process applies. For example, if you are calling 25 days before your renewal date to pay for your policy in full, then the payment will be taken immediately, not on your renewal date. If you don't want to pay until your renewal date, then you can either call us back on the day you want to pay or set your policy to automatically renew to save a further phone call. Payments for automatic renewals may be taken up to 3 days in advance of your renewal date.

If you're an existing customer and you're thinking about buying a second car, you can get a quote 24 hours a day via Your Insurance Account. You will need to know the car information, such as the make and model, and we can provide you with a quote.

If you received a quote without the car registration and then later decide to go ahead with the change, please be advised that prices may vary once the exact car details have been entered. Once logged in, scroll down to "Looking to get another policy", and click "Get a new car quote". You will then be routed to our new application page to complete a new quote. This means if you go ahead, the new policy will be added to your existing Your Insurance Account, providing the address details match, preventing the need for separate logins.

If you’re an existing customer and are looking for a quote to replace your current vehicle, please follow the instructions found in our existing FAQ 'How do I change my car on Your Insurance Account?.

When you reported your incident to us, you gave us permission to appoint New Law, to help you claim back any out-of-pocket expenses and/or make a claim for personal injury against another driver's insurance company.

Although we can quote for policies up to 30 days in advance, we can only ensure the price remains valid if purchased when you receive it. This means retrieved quotes will be refreshed using the information that you have previously submitted and could result in your price changing. Any changes to your quote details may also result in the price changing.

When you choose to pay your insurance by Direct Debit, we take an initial deposit immediately (by credit or debit card). The remaining cost of your insurance is then taken in monthly payments. "Duration of plan agreement" refers to the length of your Direct Debit payment plan, rather than the length of your insurance policy. We refer to this as a fixed term credit agreement. The plan agreement is usually 11 months, but this can vary dependent on your individual circumstances. Your Tesco Bank Car Insurance policy will run for 12 months from the start date that you specify.

From March 2011, when Continuous Insurance Enforcement (CIE) came into effect, it is an offence to keep a vehicle without appropriate insurance, unless you have made a valid Statutory Off Road Notification (SORN) to the DVLA. The DVLA will issue fixed penalties to the registered keeper of cars where they are uninsured and not declared as being off the road.

To find out more about the impact of this court decision, please click here.