On the 7th of January 2017 a woman crashed into the back of my car. The accident was completely her fault and she admitted liability at the scene. I have been driving for 16 years and this is the first time I have ever had a traffic accident, and I drive about 500 miles a week. As soon as I got home I called my insurance, Tesco, who immediately told me I should pay my £450 excess and they would get my car fixed. I was still a little shaken up and did not know the process however I was a little reluctant to pay the £450 when my insurance told me I may not get it back. I told them that she admitted liability however they said they needed to hear it from her insurance and that they would call me back next week. On Tuesday the 10th of January Tesco called me and told me that Aviva, the other parties insurance had admitted liability and that I should contact them to get my car repaired. As this was a non-fault claim it wouldn’t affect my policy or no claims. Now my insurance was due to renew on the 12th of January, previous to having the accident I searched around on comparison sites and my renewal price from Tesco was the cheapest, so I just decided to renew with them. On the 12th of January I received an email from Tesco with no attachment simply titled Your Insurance Documents. Tesco do not attached your documents on the email, nor can you go to their website and log in to access your documents, you have to click on the specific link which they send you by email and enter your date of birth and postcode on the screen. This then takes you to the pdf of your policy documents. When I clicked on the first email the document, there was a covering letter saying, “thank you for renewing with Tesco”, the renewal date of the 12th of January and the cost of renewal £413, which they charged my credit card for. The same day they sent me another email simply stating again Your Insurance Documents, no more information, it was the same standard email with the link to click on. As I had already received my insurance documents, I did not click on this link. The same thing happened on the 13th of January, they sent me another standard email. I just thought that they had sent the email out by mistake as the emails were just the standard Your Insurance Documents emails. On the 17th January I received an email from Tesco stating IMPORTANT - Please contact us urgently. When I clicked on this link and entered my emails there was a letter stating that I owed them £75.13 and I had seven days to pay it. Completely confused I went back through all my emails, clicking on all the individual links from Tesco and found that what they had attached wasn’t my insurance documents, it was letters stating that I owed them extra money. The first one was a letter stating because of my recent claim I owed them £143.09. The second was one stating that because it was a non-fault claim they would refund me £67.97. I did not claim on my policy, I went through the other parties insurance and so I did not expect this to have any effect on my policy. I called Tesco who did say they were partially at fault for the confusion however I still had to pay them £75.13 because I had an accident. I asked why I was did not receive a call from Tesco stating that my renewal had gone up and I was told that “we don’t have enough staff to do this “….seriously? Tesco is a massive corporation, saying they don’t have enough staff is a joke.
Firstly, having a car accident is stressful enough without having to deal with insurance companies trying to rip you off. The government should stop insurance companies from putting premiums up for people who have non fault claims, especially when they don’t go through their own policy. There was absolutely nothing I could have done to prevent this accident, she was 100% at fault as she was not looking where she was going, and now I’m being penalised, how in any sense is this right? Also Tesco have been very cunning in the way they send you correspondence. Like I have said previous, their emails were titled Your Insurance Documents. Which states they are sending you your documents, not letters saying you owe them money. I have put in a complaint with Tesco however I am going to cancel my policy and go with another provider as luckily I am still within the 14 day period.
Tesco car insurance is very competitively priced. The policy has a lot of flexibility to add additional cover. Their customer service departments have always been very helpful and their website is simple to use.
As with any insurance company, you only know how good they are when it comes to making a claim. Fortunately, I have not had to make a claim.
Been with Tesco car insurance for years till I came to change my car and get a few quotes in, wow glad I did Tesco were over 3 times as much as the other quotes. When it came to cancel with Tesco they charged me a £70 (seventy pound!) cancellation fee.
I took out a new policy with Tesco car insurance on November 3rd which I paid in full for the year. They then cancelled my policy without any notice on the January 8th.. They said that they never received proof of my 7 years no claims which I did send them. I was then pulled by police on January 13th and told my car wasn't insured which I was completely unaware of. I called Tesco whilst in the police car to find out what was wrong, they said they had cancelled my policy and could not reinstate it. My car was then seized and I was charged with no insurance which is a £300 fine and 6 penalty points if I don't take it to court.
Tesco claim they had sent my letters which I never got. It changed to emails because it I took the policy out online. Then it was back to letters after I asked for proof of this. It seems that the admin team have been lying because I never received any letters or emails telling me my policy would be cancelled. A simple call to me or my previous insurer would have fixed this matter in seconds, but due total incompetence from Tesco staff I now face a criminal record, thousands in hiked insurance quotes, a fine of £300, 6 penalty points, £150 to the impound garage and extreme stress to me and my family.
Please avoid Tesco at all costs. Its an absolute disgrace what has happened and they way they have treated me on this matter. They are unwilling to accept blame when I have done absolutely nothing wrong. I wish I had stayed with my previous insurer Hastings with was only £10 more to do. I have contacted the financial ombudsman and will speak to my lawyer tomorrow. Hopefully this will be fixed but either way i'm still out of hundreds of pounds
My Tesco car insurance auto renewed then three weeks later I found I could save £150 on the best price they had given me. We called to cancel (understanding we would pay the £30 cancellation fee) only to then be charged the full £89 for the Breakdown cover (we'd had for three weeks). Nowhere in the T&Cs is this covered. It's taken out with the RAC and if you buy independently you get a pro-rata rebate on the policy - so is Tesco keeping the balance? We asked to make a formal complaint and we were told we would get a phone call in 48hours. Still waiting! Bad value for money, rip off cancellation procedure and poor customer service - shame on you Tesco.
Cheap, and nasty to put it mildly.Cheap? Yes they are, but so is the service of the claims department if you manage to get a hold of them.Tesco are so nice, polite, and helpful. That is until you need to make a claim, then hang on tight, for the ride can be a very long time.Four months, and still not settled along with the take it or leave it attitude.50% of retail value is what you can expect which runs a little further than the shopping vouchers sometimes offered.Come on get real. Insurance is insurance, and if you want to be reasonably covered then ensure you go elsewhere. Tesco is profits only orientated.I only wish I had read reviews on Tesco first .........
Back in 2011 went with Tesco for car insurance, at that time I had 13 years No Claims Discount(letters from previous insurers provided etc). For next 2 years stayed with them as I'd had no issues and no claims,so therefore took me up to 15 years of no claims. This year renewed with them again. Sadly though for me, some nice person decided to hit my car whilst parked and unattended in a car park and of course drive off without leaving any details. Not major damage but a nasty long dent down one side. Phoned up Tesco to initiate a claim as I had fully comprehensive. Imagine my surprise when I was told as they had no third party to claim off it would have to be claimed as a fault against my policy. Bad enough I thought but got lots worse, as it was now being classed as my fault I would lose no claims discount ( Hadn't ticked the protected NCD box). Ok, grin and bear it I thought, how many years I asked. I was told I would now go back to 3 years NCD. Bit of a shock thought I had misheard, so asked to clarify would I lose 3 years NCD. No, I would be back to having 3 years NCD, therefore losing 12 years for one claim.Asked how they could justify that and was told that Tesco only recognized a maximum of 9 years NCD, so still losing 6 years. Then further explained that that 9 years actually meant nothing for if there was a claim against a policy they would actually start calculations as if 5 years NCD was maximum. So 5 years NCD minus the 2 years for a claim took me down to 3 years NCD. What an absolute rip off, this is a sneaky way of putting people off making claims. Needless to say will not be renewing with Tesco ever again. Big tip,make sure you tick NCD protection and also check with insurers as to their policy with regards NCD.
I am having exactly same problem as Disgruntled over £40 gift card. I was told over the phone that because I went through price comparison site to get to them that I am not entitled. I am going to write to complain and then when as I anticipate no joy I will go to ombudsman. I may not win but I do know that the number of complaints each month from ombudsman are not looked upon favourably. Therefore everyone write to ombudsman.
Lowest quote with best cover and incentives, just dont expect them come to deliver on their promises.
Had a minor bump on a Friday and damaged the bumper and bonnet. Tesco's promised a courtesy car and collection of my car on Monday to be repaired. The garage finally collected Tuesday, no courtesy car was provided and then they quoted £1,800 for a new bonnet and bumper, so Tescos wrote it off.
Also they say they'll automatically replace child seats fitted to the car at the time of an accident, but have your receipts or they'll only pay 70% of the cost for a like for like replacement.
Ended positively though, they Cat C'd the car and paid out. I bought the car back and am getting it repaired for less than the payout, so their loss this time ;) Still won't be taking them up on their renewal offer next year!
Got the free MOT & Service voucher with my Insurance through Tesco. Booked the car in and ready to go. Having worked as a mechanic many years ago and still work on minor repairs to my vehicle and over 20 yrs of driving experience, I am familiar with the techno jargen and little white lies. Heres what happened
first off they told me I defo. need synthestic oil, thats £22. streight away. I paid this , thought what the hell, it would cost me that in time and oil anyway, but the surprise I had was that, it was just an oil change NO oil filter change (very Bad). I marked so I know its the same one, they just wiped it clean.
They gave me a list of repairs 2 x A4 sheets full. Ranging from wiper blades to nackered brake discs Estimated cost £300 ish, Took the car to my regular MOT station, they found only 1 thing wrong, cost £40 for the MOT & £45. for the repair. I then asked my garage about the items Halfords had listed, their qualified opinion was: some of the items listed by Halfords were not a part of the MOT test, the rest were an exageration of any defect. There were only 2 item that fell in the category of a serious defect, that failed my mot. 1 of which I paid for and the other was a seized cylinder, which the tester fixed within 10 seconds, whilst he was doing my mot and did not charge me for it.
The mot is made up of a fixed set of rules and only in a very few instances can an MOT tester apply his knowledge and opinion and even then if the vehicle passes the tests set, the tester has to pass the vehicle. Eg: the vehicle is put on rollers to test the braking system, the rollers give a reading, and if that reading meets the requirements of the MOT test the vehicle cannot be failed, regardless if the brake discs are showing slight signs of corrosion or thinning etc.
So be aware: use a local recommended garage and if they are trustworthy and do a good job, use them regular and they will in turn look after you and not ripp you off. The MOT test is the same anywhere you go it is a Standard set of tests formulated by VOSA the government agency. by going to a flashy multi national company its not going to make you any safer or The test any better.
In these hard times most people need to be carefull with their expenses and likewise the small businesses are suffering and they need the business. Find a local trustworthy garage and use them. Try the WHICH? website , they have a section you can subscribe to where other subscriber leave their feedback on local recommended companies in your area and they also leave negative reveiws for bad companies.
As for the Tesco free MOT & Service , It confirms that there is no such thing as a free lunch
hope this helps
Summary: Be aware, find a good local garage
I would never go back to teso car insurance. Dont get me wrong, if youve never had to make a claim then no problem, but when u need them ur stuffed!!! i was fully comp, driving down the road when a stone flew up and cracked all my windscreen, i assumed with being fully comp, had buisness cover, and was also paying more for having a window tint on my windows (not my windscreen) that i would be covered. Oh no! apparently "your windows are not covered", autoglasss quoted me over £400 for a new windscreen. I devastated, unable to use my car for work due to the crack all down the windscreen, why oh why was i paying fully comp for nothing? i had to pay myself for the windscreen, but i didnt go to auto glass for that price, rip off!!! Then i was involved in a slight bump where another party bumped me, there was no damage to either car, accidents happen, so as far as i was concerned that was it. Oh no, the other party made a claim against me!?! saying i hit them, ect. I even had a witness to the bump, but oh no, this went on for over a year, in the end the claim was settled and i was found at fault!! they never even contacted the witness. i lost my no claims, sending my insurance through the roof, tesco paid out over £1000 to the other party. They were supposed to be there for me, backing my corner, that was why i was paying them, and they found me at fault in a bump where i was hit. Utterley disgusting, i have heard so many terrible encounters off other people who have also been less fortunate to experience tescos car insurance, how they get away with these things is beyond me. I am currently with admiral now, and so far they have been helpful and polite customer service, as yet i cannot complain. But PLEASE DO NOT USE TESCO, I CAN GUARANTEE THAT YOU WILL REGRET IT IF U R INVOLVED IN AN ACCIDENT.
I've been with tesco car insurance since I started driving in 2007 and I've had no problems with them at all. Every year my renewal comes through the post and it's always quite expensive but taking out a new policy online with them always seems to get the price to come down by a couple of hundred.
Last year, around April, my car was broken into outside of my house. As soon as I realised (on my way to college) I phoned the police and got my crime reference number and then phoned tesco up. They were very helpful and arranged things very quickly. I was expecting it to take a week or two for things to get underway, but by 2pm on the same day, my car had been collected and taken away to be repaired and I had been contacted by the courtesy car company. Tesco were brilliant and at quite a stressful time they were able to calm me down. As for the stereo which was stolen, tesco issued me with around £200 store vouchers for halfords, to replace it.
Although they were excellent when dealing with my claim, unfortunately this meant I had lost my no claims, and come time to renew, they wanted me to pay a rediculous amount of money. Luckily I managed to get it down to what I paid in my first year of driving, but as you can imagine, I was a little annoyed considering the damage was not my fault. However, this is just a minor issue as I would much rather be with an insurance company who can deal with something quickly and pay a bit more. As the no claims accumulate the price will go down.
Not worth one star.
My wife was stationary at a roundabout when shunted from behind smashing the light and bumper. The other party involved contested this and today Tesco have informed me that after four months of their calls not being returned by the person involved they will close the file and I have to pay the garage's bill.
When questioned how many times they had phoned the third party their reply was four, one call for each month!! I have had to call Tesco more times to chase them and each time the call was well over 10 minutes after having to wait a minimum of three minutes before speaking to a employee.
As for the legal cover, this is an absolute waste of money and paper, as the cost of reclaiming the money compared to the cost of the repairs Tesco didn't consider enough so therefore aren't willing to chase the matter even though we're entitled to £50,000 worth of cover.
In light of this I am now cancelling my contract and insuring with a different company.
DO NOT INSURE WITH TESCO - THEY ONLY WANT YOUR MONEY!!!!
Despite Tesco's very competitive prices [the reason I was drawn to them in the first place], getting car insurance with them turned out to be an absolute waste of time: I am appalled with the way they have acted as an insurer. I was happily insured with Tesco for two years before I was involved in a rear shunt with a lorry on the motorway, from which I was lucky to walk away. My car had a catastrophic engine failure: the driver behind me did not leave enough space. Fair enough you think? No. At first Tesco said it was the third party's fault [as you would expect] and paid out for my written-off car. I asked them to inspect my vehicle for engine problems but all they did was inspect the brakes - NOT what I asked. A week or so later, Tesco decided I was at fault, crushed my car without a further inspection and didn't provide a decent explanation when I asked for a reason as to why I was now at fault. I found their solicitors [Lyons Davidson] to be unhelpful with a rather blasé attitude. They accused me of being an 'author of my own misfortune' [a phrase I found highly offensive considering what had happened]. Overall I felt I was being treated without the respect a consumer should be treated: with every piece of correspondence between myself, Tesco or their solicitors it appeared their attitude became more and more dismissive.
I am now going through the Ombudsman as I am so dissatisfied with the service I received.
In summary, only insure your car with this company if you're fairly certain you're never going to be in an accident.
This is the worse insurance company I have ever been with and i am over 50.I had a non fault claim and Tesco DONT DO ANYTHING and I have fully comp top cover, they just cannot be bothered, they are absolutely hopeless.I know it sounds like there must be more to it but i assure you there is not,their customer services are totally useless.Unfortunately I have my home insurance with Tesco as well but i dont care how much it costs me I will NEVER insure anything with Tesco again.