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A Guide to Tesco Breakdown Cover

Tesco and Tesco Bank are both household names. People have different views of how Tesco operate their food stores and the relationship that they have with food producers. However, their bank insurance products are popular.  Apart from Tesco Car insurance, they have also developed products aimed at young drivers age 17 to 21. Other products worthy of mention include Tesco Landlord insurance and Tesco Multi Pet Insurance and Tesco Home and contents insurance. 

Tesco Bank has discontinued their original standalone Tesco Bank breakdown cover. They now work in partnership with the RAC to provide TESCO RAC cover. This road repair service is provided by RAC Insurance Limited and is available 24/7. As a result of the partnership, Tesco Bank Breakdown cover is often referred to as Tesco RAC cover

What Type of Vehicles Can be Covered by a Tesco Breakdown Cover Policy?

As stated on the Tesco Bank website, all vehicles must be less than 16 years of age when the breakdown policy is taken out. The vehicle can have a maximum of 17 seats, weigh 3.5 tonnes or below, 5.5 metres long or less, 3 metres high or less and be 2.3 metres wide or less. Breakdown cover for older vehicles is available from some of the UK providers of recovery services.

Tesco Bank / RAC Breakdown Cover offer 3 Options

There are three different levels of protection a UK resident can take out on their UK registered vehicle. These include the following:

  • Tesco Value Breakdown cover
  • Tesco Standard breakdown cover
  • Tesco Finest Breakdown cover

What is Included in Tesco Value Breakdown Cover?

This includes the same services as Tesco Value Breakdown cover, except the 1/4th mile restriction is removed. This makes it possible to have the RAC mechanic to help repair your vehicle at your home residence.

  • Roadside Assistance: If your vehicle breaks down more than a quarter of a mile from your home, Tesco Value Breakdown Cover offers roadside assistance. A mobile mechanic will come to your location and attempt to fix the issue, allowing you to continue your journey.
  • Recovery: If your vehicle cannot be repaired at the roadside, Tesco Value Breakdown Cover includes recovery service. This means your vehicle and passengers will be provided with a car to continue the journey. Please refer to the exact circumstances and terms of your cover.
  • Home Start: Tesco Value Breakdown Cover provides assistance if your vehicle breaks down at or within a quarter of a mile from your home. A professional will come to your location and attempt to fix the issue, or arrange for further transportation if necessary.
  • European Cover: This is an option extra and if needed The cover means you'll receive assistance and support if your vehicle breaks down while travelling in Europe, subject to the terms and conditions of the policy.

What is Excluded in Tesco Breakdown Cover?

All breakdown over policies will have exclusions and the ones listed below apply to TESCO Bank roadside cover, but will be appliable to other providers of recovery insurance and roadside assistance.

  • Breakdowns as a result of a road accident
  • Vehicles that have broken down during off road driving or driving sporting events
  • Any claim if you break down at a motor trader's premises that are offering repairs
  • The cost of class or tire repair services
  • The locksmiths cost if you lose your keys, lock your keys in the vehicle or break your car key
  • Any breakdown resulting from not maintaining your vehicle in a roadworthy state, example driving without water in the radiator, using the incorrect fuel.

What is included in Tesco Finest Breakdown cover?

This policy has the same protection as the Tesco Standard Breakdown cover but removes the 10-mile barrier for towing the vehicle. This makes it possible for the vehicle to be towed to the destination of choice by the policyholder. If repairs can not be fixed the same day, a courtesy car will be provided for your onward journey

Tesco European Breakdown Cover

It is important to understand that breakdown cover is not the same as car insurance, and you should first check with your car insurance company to make sure you are insured to drive in the country or countries that you will be visiting. Failing to do so may result in limited third party cover or no cover. If you will be towing a caravan or trailer tent, you must also notify your insurance company.

Yes, the European breakdown cover add-on provides roadside assistance and if necessary tow the disabled vehicle to the nearest garage. If the vehicle requires days to repair, then a hire car and accommodation will be provided for up to 14 days at a maximum of £30 a day per person. The total payout limit is also capped at £2,500. This cover is available for a maximum of 90 days annually.

Additionally, one of the best features of the TESCO Bank European breakdown cover is that it is not over limiting in terms of duration and number of trips per annum. Regardless of how frequently you travel outside the UK, you are entitled to coverage for up to 90 days. This means you can enjoy peace of mind and assistance throughout multiple trips without worrying about the duration or frequency of your travels.

How to Apply For Tesco Bank Breakdown Cover

The Tesco breakdown cover is only available through an agent or at any Tesco Bank. This cover is only available to cover vehicles and not a named person.

Does Tesco Bank offer Breakdown Cover as a Standalone Product? 

Tesco no longer provide breakdown cover as a stand-alone product. However, if you purchase Tesco car insurance, you can add breakdown as an add-on. The breakdown over is currently provided to Tesco by RAC Insurance Limited.

Tesco Bank Breakdown Cover Emergency Number

Breakdown assistance: 0800 003 001 

Review Other Providers of Breakdown Cover 

Comparing the market for breakdown cover requires time and research. The mini guide below provide some basic details on the current deals and cover options available with top providers of breakdown cover in the UK. Compare Eversure breakdown cover with others getting multiple quotes.

Tesco breakdown cover competes with many providers of road side recovery services, including Eversure break down cover and QDOS plus others. To find the best deal, compare these providers and when it comes to renewal time also check what deals are on the market.

MultiQuoteTime Ltd Does not recommend any insurance Companies. Services offered by this provider may change over time. Always check Ts&Cs.

Compare Tesco Bank Breakdown Cover

Finding the best deal on breakdown cover will involve comparing the many options are available. By completing one simple online form, we can provide you with multiple quotes, helping you in your quest to find cover that meets with your requirements and within your budget,

Tesco Vehicle Breakdown Cover FAQ's

Can I add breakdown cover to my Tesco car insurance?

The Tesco RAC Breakdown product can be added when you first take out a TESCO car insurance, or it can be added later as long as your car meets the qualifying conditions.

How do I find my Tesco car insurance policy number?

The policy number can be found on the top right-hand corner of your policy schedule. If you can not locate your policy, you can also check any emails sent by TESCO  

How do I contact TESCO RAC Breakdown Services?

They advise reporting your breakdown is by using our online reporting system, as this is the fastest way to get roadside assistance. This method enables you to quickly relay the details of your breakdown and request the necessary help.

Should you prefer to speak directly with one of the breakdown team members, you have the option to contact us at 0333 2000 999.

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