Taken From Tesco's Policy Wording.
Section A - Third Party Liability- Indemnity to the Policyholder
We will indemnify You against legal liability for damages, claimants costs and expenses in the event of an accident
Involving:- Your Car.
- The driving by You, with the owner's permission, of any motor Car not belonging to You and not hired to You under a hire purchase agreement provided that:
- You are entitled by Your effective Certificate of Motor Insurance to drive such a Car.
- You observe the licence conditions applicable.
- There is no other insurance in force which covers the same claim.
- The Car is being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands.
In respect of:- Death of or bodily injury to any person.
- Damage to property up to a maximum of twenty million pounds subject to General Exception 5.
Commentary
This Section shows the cover provided for claims made by other parties for bodily injury or damage to their property.
This part covers claims made against You.
Cover operates for accidents involving Your Car or (if You are permitted in the Certificate) while You are driving someone else's Car.
If your Certificate permits You to drive someone else's Car then it should only be in the event of an emergency.
THIS SECTION DOES NOT COVER ANY LOSS OR DAMAGE TO Your Car OR THE CAR YOU ARE DRIVING.
Who ever you spoke to at tesco's gave you wrong information IMO.