Tesco Car Insurance

A Summary/Review of Tesco Car Insurance In Ireland

Retail giant Tesco doesn't just sell groceries and electrical goods. Unknown to many, it is also provides car insurance in Ireland too. By using it's phenomenal buying power, Tesco can provide extremely good deals for it's customers through RSA Insurance Ireland, a well-known underwriter. In fact, those deals can often be far better than individuals can get, even if they bypass a broker and go straight to an insurance company themselves!

Types of Car Insurance Policies on Offer From Tesco

Tesco Car Insurance currently offers 3 different levels of comprehensive Irish car insurance cover: Value, Standard and Finest. While are are subject to certain limits and exclusions, here is a quick summary of each:

• Value Level: As you might expect, Tesco's "Value" level of cover is the basic, "no frills" option. It includes the basic essentials like third-party, fire, and theft cover; cover for accidental damage; coverage for fire brigade charges; coverage for in-car entertainment and navigation systems; cover for 24-hour nationwide accident, emergency & breakdown recovery; replacement of a new car if written-off; third-party cover when dirivng another cra; uninsured driver NCD protection, and a number of other benefits too.
  
  At this level, the policy excess is €500, and european cover (in any Greencard country) for accidental damage is provided for up to 31 days. 
• Standard Level: The "Standard" level carries all the same features as the "Value" level, but also has additional benefits, such as no-claims discount step-back protection, cover for certain medical expenses, and windscreen cover.
  
  It also provides for a courtesy car while repairs are being carried out on your own vehicle, personal accident cover, and protection of your no-claims discount (allowing for 1 unlimited claim in a 3-year period).
  
  At this level, the policy excess is €300 and european cover for accidental damage is provided for up to 60 days.
• Finest Level: The "Finest" level carries all the same features provided for in the "Standard" level, but also extends break-down assistance to the European Union; provides both third-party and accidental damage cover when driving another vehicle; and provides coverage for both personal belongings and replacement locks.
  
  Also, the no-claim discount protection at this level allows for 2 unlimited claims within a 3-year period.
  
  The policy excess at the "Finest" level is just €150, and european cover for accidental damage is extended to 95 days.

Quick Tips To Save More With Tesco Car Insurance

Apply online: Tesco will discount premiums for new customers by up to 10% simply for buying a policy online (since, obviously, that entails lower cost for them, so they pass on that saving in the form of lower premiums).

Multi-product discount: If you currently use another financial product provided by Tesco (such as a Clubcard Credit Card, or even another car insurance policy), then you could receive an additional discount of up to 5%.

Put your partner on the same policy: If you insure your spouse or partner on the same vehicle as yourself, the premium will be even cheaper. (If you're wondering why this might be so, it's because of lowered risk; all insurance is about risk, and the lower the risk, the lower the cost. If two people use the same car then, statistically, one will not be driving it 100% of the time, meaning less chance of driver fatigue and tiredness and, thus, statistically-safer driving on the part of both insured people.)

Make Full Use of Your Tesco Clubcard Too!

If you have a Tesco Clubcard, provide the number when requesting a quotation for car insurance. Subject to a minimum premium, that will earn you a discount of 5% - something that is exclusive to Clubcard holders! And, even better, this discount is applied after any other applicable discounts have been calculated.

And, if that wasn't enough, you'll also get 1 Clubcard point for every €1 you spend on car insurance with Tesco Car Insurance too!