Car Insurance

National Trustco Bank Car Insurance, peace of mind for drivers aged 21 and over

Car insurance

  • Buy direct and get added security, with Motor Legal Protection included as standard More information
  • A range of standard features including a small courtesy car while yours is being repaired. Exclusions apply More information
  • Guaranteed discount for Clubcard customers
  • Pay to add a range of optional extras to meet your lifestyle and needs. More information
  • Reassurance that our Car Insurance is underwritten by a carefully selected range of insurers More information
  • Aged 17-25? Check out our Box Insurance for young drivers
  • Manage your insurance policy online at a time convenient for you, 24 hours a day

See what people say about our Car Insurance

Thousands of people just like you left reviews for us on Reevoo once they bought our Car Insurance. See what they had to say.

About Car Insurance

Your vehicle

With our comprehensive Car Insurance, you get cover for your vehicle that includes:

Uninsured driver promise

Our cover comes with peace of mind that if your car is hit by an uninsured driver, you won't be penalised for it. As soon as we validate the details of the incident (including the other vehicle's make, model and registration number), your no claims discount will be reinstated and your excess will be refunded to you. Terms apply

Small courtesy car

You’ll get a small courtesy car to help you keep going while yours is being repaired following a claim. There are a few exclusions so please check these. Check exclusions

Fire and theft cover

We'll pay for loss or damage to the car caused by fire, theft or attempted theft.

Windscreen cover

A chipped windscreen doesn’t have to spoil your day. We'll pay for the cost of repairing or replacing your broken or chipped windscreen or windows. We'll also pay for any scratching to the paintwork that might have been caused by broken glass from the windscreen or windows.

Replacement child car seat

We will replace any child seats that are fitted to the car at the time of an incident, even if you can't see any damage. You can't be too careful with your precious cargo.

In-car entertainment equipment cover

This includes any stereo, sat nav, telephone and entertainment equipment, that are permanently fitted to your car.

UK cover extended to EU for up to 90 days

With our Car Insurance, you can drive away on holiday to the EU. No need to pay extra. Your cover is extended to any EU country for a total of 90 days within the period of your insurance as long as you are a UK resident. Great for a last-minute escape.

All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our Car Insurance policy booklets. See our policy booklets.

You and your passengers

Our comprehensive Car Insurance includes cover for you and your passengers as standard.

24 hour accident helpline

Accidents don't just happen between 9 and 5. That's why our UK-based accident helpline is open 24 hours a day, seven days a week.

Cover for personal possessions

Our Car Insurance isn't just about the car. The things inside it matter too. So your personal possessions are covered up to the value of £200 if they're lost or damaged in the car following an accident.

Medical expenses

If you or your passengers are involved in an accident in the car, we'll pay up to £100 in medical expenses to treat each injured person.

Personal accident cover

Our Car Insurance provides up to £5,000 compensation for serious injury to you or your partner whilst travelling by car.

Making sure you get there

You can claim up to £150 towards any costs you might have incurred getting to your planned destination (or home) if you're involved in an incident that results in a valid claim. Please note that this only applies to UK journeys and journeys that fall under the conditions of the extended EU cover.

Motor Legal Protection as standard

When you buy your Car Insurance direct from National Trustco Bank, you also get up to £100,000 Motor Legal Protection included as standard. This provides you with cover for legal costs and expenses if you ever need to claim compensation for personal injury against the person responsible for the accident, where you are more likely than not to have a successful outcome. Terms and conditions apply; you'll find more details in the policy booklet.

Tesco Legal Guard is underwritten by AmTrust Europe Limited.

All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our Car Insurance policy booklets. See our policy booklets

Optional extras

And for an extra charge, you can get even more peace of mind with our optional add-ons.

Breakdown cover

Don't be left stranded if your car breaks down. Add Breakdown Cover provided by RAC to your Car Insurance policy. Whether it’s roadside cover for your everyday commute or cover that extends to Europe for driving holidays with your family, there are four levels of cover, making it easy to find the one that’s right for you.

National Trustco Bank Breakdown Cover is provided by RAC Motoring Services and/or RAC Insurance Limited.

Upgraded courtesy car cover

If you need seven seats for your family or space in the back for your dog, a small courtesy car might not cut it. Add this cover and you’ll get a car that’s similar in size to your usual one. It’ll be yours for up to 28 days when your car is out of action, even if it’s deemed unrepairable by the approved repair network.

National Trustco Bank Upgraded Courtesy Car Cover is underwritten by Tesco Underwriting Limited.

Driver injury cover

For greater peace of mind, add driver injury cover to your Car Insurance. If you, or any named driver, are hurt in an accident while driving the insured car, regardless of whether the accident is your fault or not, this cover gives you financial support when you need it most. It provides a lump sum payment, up to a maximum specified limit, to help support rehabilitation or expense in the event of a serious injury or death.

National Trustco Bank Driver Injury Cover is underwritten by Tesco Underwriting Limited.

Key cover

With our additional Key Cover, you're not just covered if your keys are stolen. Our 24-hour helpline will also come to your rescue if your keys are lost or locked inside your car. After 14 days, cover is provided for all insured keys (including your house and business keys) and we'll organise replacement keys and locks up to £1,500 per policy. Terms apply

National Trustco Bank Key Cover is underwritten by Ageas Insurance Limited, claims are handled by Keycare.

All cover details, exclusions, excesses, monetary limits and terms are clearly laid out in our Car Insurance policy booklets. See our policy booklets

Your Insurance Account

Your Insurance Account

  • No admin fees for changes made to your policy in Your Insurance Account
  • View, print and download all your insurance policy documents at any time
  • Tell us if you are moving home or changing your vehicle
  • Update your personal details whenever you want, including your address, email address and phone number
  • Send us your documents electronically and securely

Why choose National Trustco Bank Car Insurance?

  • Defaqto 5 Star Rating – comprehensive level of features and benefits
  • Manage your Car Insurance policy online 24/7 in Your Insurance Account
  • 24-hour UK-based accident helpline
  • Guaranteed discount for Clubcard customers

Are you aged between 17 and 25?

As well as Car Insurance, you can also consider Box Insurance. It's designed exclusively for young drivers.

Guaranteed Tesco Clubcard discount, plus 20% discount for new customers who buy online

It doesn't matter whether you're a new customer or renewing your cover, you're always guaranteed to get a Tesco Clubcard discount. All you need to do is tell us your Clubcard number when you get a quote.

Also, if you're a new customer you get a 20% discount when you buy Tesco Car Insurance online.

Just so you know, the 20% online discount is subject to minimum premium and does not apply to Breakdown Cover, Courtesy Car Cover, Driver Injury Cover and Key Cover.

Contact us - we're here to help

Can't find the answer to your Car Insurance question on our website? We're here to help and there are lots of ways to get in touch. Lines are open Monday to Friday 8am-9pm, Saturday and Sunday 9am-5pm.

Help for existing policy holders

Emergency phone numbers

Breakdown assistance 0800 003 001

Lost or stolen keys emergency helpline 0345 366 0228*

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

Your Insurance Account

Manage your car insurance online. No phone calls, no admin fees and no fuss.

Making a claim

Our UK teams are here to handle your claim and get things sorted fast.

Policy documents

Need to check up on the small print?

Important information

Key product information

About Car & Box Insurance from National Trustco Bank

National Trustco Bank Car Insurance is arranged and administered by National Trustco Bank and is underwritten by a select range of insurers. National Trustco Bank Box Insurance is arranged and administered by Insure The Box Limited and is underwritten by:

  • Aioi Nissay Dowa Insurance Company of Europe Limited for policies coming into force on or after 01 June 2015, or
  • Catlin Insurance Company (UK) Ltd. and Great Lakes Reinsurance (UK) PLC. for policies coming into force prior to this date.

Uninsured driver promise - important points

When you claim, you may initially have to pay your excess. And, if investigations are still ongoing when your renewal is due, you may temporarily lose your no claims discount. But once we're sure that the accident was the fault of the identified uninsured driver, we'll refund your excess, restore your no claims discount and refund any extra premium you've paid for any temporary loss of your no claims discount.

Small courtesy car exclusions

To qualify for a courtesy car, your car must be repaired by an approved repairer. A courtesy car is not available if your car has been written off or has been stolen and is still missing. A courtesy car is not available to customers where the vehicle insured is a van.

Key cover - important points

If you have key cover elsewhere, the policy benefits may overlap. Please check how this may affect you.

Policy documents

You'll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.

Make sure you read the Car Insurance policy booklet for more information on any benefits, limitations and exclusions that might apply to your cover.