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Standard Car Insurance

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To give you peace of mind and ensure you have continuous cover we will automatically renew your cover (including add-ons) each year. When your policy automatically renews payment will be taken from the last card we hold on file. 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. At renewal this may include placing your policy with a different car insurer from our selected range of providers. If we do this we will let you know in your renewal pack. If you don’t want to renew your policy or any of your details have changed we need you to contact us before your renewal date. This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.
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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. If 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. This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.
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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.   This answer specifically relates to Tesco Bank Car Insurance.  For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.
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Yes, provided it isn't still being used on a current policy. We accept up to a maximum of four years no claims discount when you take out new cover with us. We will increase this for each claim free year up to a maximum of nine years. For example, if you have five years claim free motorcycle no claims discount, we'll give up to four years when you take out your new policy and this will increase year on year.   Please check your policy wording for full details including exclusions and limitations. This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.
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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 level will then be maintained in the event of a claim. 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. You should check the Policy Booklet for further details on how your NCD may be affected by multiple claims. This answer specifically relates to Tesco Bank Car Insurance.  For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.
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You can log on to Your Insurance Account to view details of your insurance renewal invitation approximately 21 days before your renewal date. This will contain details of next year’s premium, any changes to the terms and conditions and whether you need to contact us to complete your renewal. If you want to renew your policy, you can renew it yourself by logging in to Your Insurance Account. Once logged in, click View renewal on the home page Please check all the information is up to date, as any errors could leave you uninsured You will then be asked if you're happy to automatically renew or whether you want to change your payment details (please note that if you pay in full, your payment will be taken immediately) Continue using the on screen instructions to confirm your payment details At renewal, this may include placing your Tesco Bank  Car Insurance with a different car insurer selected from Tesco Bank’s range of insurance providers from the renewal date of your existing policy. If we do this, we will let you know when we send your renewal invitation. If we are unable to renew your policy we will contact you approximately 21 days before your policy comes to an end so that you can arrange alternative insurance.   If your policy is set to automatically renew and you do not want to go ahead, you need to contact us.   This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.   This answer relates to Tesco Bank Car Insurance only and is not applicable to Tesco Bank Box Insurance.
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You can manage/update most of your policy information when you login to Your Insurance Account. This includes changing your vehicle or class of use, adding or removing additional drivers, updating your address and 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. This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.
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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 7 working days notice.   This answer specifically relates to Tesco Bank Car Insurance.  For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
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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 seven working days.   Data from the MID is used by police to help combat uninsured driving and enforce motor insurance law. It can also be used by insurance companies to obtain details of other drivers when they have been involved in an accident. If your details haven’t been entered on the MID you may be stopped by the police. There’s a risk that your vehicle could be seized if the correct details haven’t been registered.   For private individuals it’s the responsibility of the driver to ensure they have the correct level of cover 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 Bank 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. This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.   Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.    
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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.   This answer specifically relates to Tesco Bank Car Insurance. For an answer relating to Tesco Bank Box Insurance please select the Box Insurance FAQ category or try using the search box at the top.
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