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Pet Insurance policies beginning with PETTS only.
Add Breakdown Cover to your Car Insurance policy and get the help you need from the RAC. From roadside assistance to recovery and onward travel support.
Tesco Insurance Breakdown Cover is provided, administered and underwritten by RAC Insurance Ltd.
Don’t be stranded if your car breaks down. Choose from 4 levels of car breakdown cover to find the one that’s right for you.
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UK Roadside |
Home cover |
Onward travel |
European cover |
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24 hour UK roadside assistance (when you're more than 1/4 mile away from your home) |
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Tow car to a garage within 10 miles |
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Call outs are free |
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Assistance if your vehicle won't start at home |
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Vehicle recovery anywhere in the UK |
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Overnight emergency accommodation |
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Alternative travel options |
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Breakdown cover in 48 European Countries with recovery to a local garage or back to the UK |
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With Breakdown Cover, you’ll get reassurance for the road - and expert help from the RAC. Dependent on the cover level you choose, the benefits include:
For full details of cover, exclusions, excesses, monetary limits and terms, please see the policy booklet.
A car breakdown is when your car suddenly won’t start or stops working properly while you’re driving it. It usually means the car’s not safe to drive, and you can’t go any further without fixing it or getting help.
Examples of a car breakdown include:
Breakdown cover is insurance in case something goes wrong with your car, either close to home or out on the road. It can give you protection and peace of mind, knowing help will come if your car breaks down.
A trained technician will try to fix your car at the roadside. If they can’t fix it there, they’ll arrange for your car to be towed to a garage or your next stop to get you moving again.
It’s worth bearing in mind that you might have to pay something towards any repairs. For example, parts fitted to your car or parts and labour for any work done at a garage.
With Tesco Car Insurance, Breakdown Cover is an optional extra. You can add it to your policy to get extra protection for an additional cost. And you can choose from 4 levels of car breakdown cover to find the one that’s right for you.
Our Breakdown Cover is provided by the RAC, with 24-hour roadside assistance across the UK. So you can be sure you’ll get expert help if you need it.
Our Breakdown Cover includes different types of cover for your car, depending on your policy and the level of cover you choose. For example:
There are also some exclusions, such as routine servicing or cars that aren’t roadworthy.
You can choose Breakdown Cover as an optional extra when you apply for Tesco Car Insurance or you can add it on later.
It can help to give you peace of mind in case your car breaks down for an additional cost.
If you already have Tesco Car Insurance, you can add Breakdown Cover to your policy in Your Insurance Account. Remember, you don’t need to pay an admin fee when you make changes to your policy online.
If you don’t have Breakdown Cover, we can still help if you break down, but you’ll need to pay for it.
If you’re a Tesco Car Insurance customer with Breakdown Cover, make sure you get the myRAC app from the RAC.
With this handy app, you can:
If your car breaks down, you can also call our partners at the RAC:
Lines are open 24/7 and calls may be recorded.
Please note, you'll need to know the vehicle’s registration number or your postcode when you call.
Compare our Bronze, Silver and Gold comprehensive cover to find the one that’s right for you. For drivers aged 21 and over.
Add optional extras to your Tesco Car Insurance policy. And get more cover to help with the unexpected.
Cover the cost of your fees if you need to take legal action against someone on the road. Up to £100,000.
Motor Legal Protection is underwritten by AMTrust Specialty Limited.
Save yourself some hassle with your car keys - whether they’re lost, stolen, damaged or just locked inside.
Key Cover is underwritten by AA Underwriting Insurance Company Ltd. Claims are handled by Keycare.
Get a courtesy car that’s similar in size to your own, for up to 28 days, while your car’s being repaired.
Upgraded Courtesy Car Cover is underwritten by Tesco Underwriting Ltd.
If you’re already a Tesco Car Insurance customer, find out how to update your policy, get in touch or make a claim.
Tesco Car Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.
Optional extras insurers:
You’ll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.
Before you buy Tesco Car Insurance, it’s best to check the policy documents and make sure the policy you’ve chosen meets your needs.
The policy booklet and product information documents outline the benefits, limitations and exclusions that’ll apply to your cover.
Before adding extra cover to your Tesco Car Insurance policy, it’s best to check the policy booklet and make sure it meets your needs.
RAC Roadside Cover reduced by over 50% for all customers.
RAC Roadside Cover reduced to £15 for Clubcard customers.
Offer available to new and renewing customers.
Offer available between 1st December 2025 – 28th February 2026.
Not to be used in conjunction with any other offer.
The discount on RAC Roadside Breakdown Cover is available only when purchased at the same time as a qualifying motor insurance policy through Tesco Insurance.
Buy or renew Motor insurance with Roadside cover between 1st Dec – 28th Feb to receive discount.
Breakdown cover is provided by RAC Motoring Services.
This will depend on factors such as your age, occupation and the type of policy cover and product you choose (NB: it is only available on Silver and Gold cover, where eligible). The cover applies on a third-party only basis if you have the vehicle owner's permission, and the vehicle is registered, insured and legal to drive in the UK, including insurance in its own right.
Please check your Certificate of Motor Insurance to confirm if you are eligible to drive another vehicle (under section 5).
Full details of any limitations are in your policy booklet.
Anyone who drives your car should be named on your policy as an additional driver. You can add a driver by signing into Your Insurance Account.
Adding additional drivers to your insurance could increase the overall cost of your policy but you will not be charged a fee when completing via this service. Your insurer reserves the right to refuse cover based on age, licence, residency and experience of the proposed additional driver.
Please see our existing FAQ 'How do I add or update my additional driver details?' for instructions on how to do.
If you want to add a temporary driver, they can be added to your policy up to a maximum of 28 days over the policy year. To do this, you will need to contact our Customer Service team and have your policy number ready. An administration fee will be applied and must be paid in addition to any change in premium.
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 will then be maintained in the event of up to 2 claims within the first policy year.
If you renew your policy and have two claims in a three-year period, NCD protection will be removed, and if you were to have a third claim in this time, your NCD will be reduced.
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. If you renew your Tesco Car Insurance policy, the terms of your no claims discount protection will change. More information on how Protected NCD may be affected by multiple claims can be found in your policy booklet.
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;
Need to talk to someone about Car Insurance? Our friendly, UK-based customer service team is here to help.
