Home Insurance FAQs

Tesco Home Insurance covers mobile phones and tablets for theft within the home. We cover tablets for accidental damage under home entertainment equipment cover. However, mobiles are not covered by this policy. You must add personal possessions cover if you want accidental damage cover for your mobile at home.

What’s not covered

Full terms and conditions can be found in your Policy Booklet.

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

You can check if you have or add personal possessions to your policy by logging into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

You can add Home Legal Cover 'Family Legal Guard' to your Home Insurance policy for an added premium. Home Legal Cover provides you and your family with up to £100,000 cover for legal expenses relating to:

If you already have legal protection elsewhere, there may be some overlap with this cover. Family Legal Guard is underwritten by Am Trust Europe Limited.

Full terms and conditions can be found in your Policy Booklet.

You can check if you have or add personal possessions to your policy by logging into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

We will cover you for your legal liability as a tenant for the amount you have to pay for:

Examples of what's not covered:

Loss or damage:

Full terms and conditions can be found in your Policy Booklet.

You can check if you have or add personal possessions to your policy by logging into Your Insurance Account or calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

You have cover for loss or damage to property belonging to your family while in halls of residence or any other term time accommodation, up to £5,000.

Examples of what we don’t cover:

Full terms, exclusions and conditions can be found in your Policy Booklet.

Existing customers can check if you have the right cover for you by logging into Your Insurance Account or calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

You must tell us about any building work you plan to have carried out within your home before it takes place. Tesco Insurance define work in progress to be any structural changes or renovations to the insured property; examples include any roof work, moving internal walls, extensions, loft conversions, adding conservatories or building an annex in the garden. Internal renovations such as kitchen remodelling and adding or replacing a bathroom are also considered to be building work. Because of the change to your home, your premium may change, and we may change the terms of your policy. If you don’t tell us about any building work before it takes place, we may refuse to pay a claim or pay only part of a claim.

To tell us about any building work you have planned, call us on 0345 246 2904*.

For more information on what changes you need to tell us about, see your policy conditions found in your policy booklet. You can view full details of terms and conditions in your Policy Booklet.

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

Your Home Insurance cover is affected if your property is unoccupied or unfurnished for 60 days or more in a row. You must tell us right away if your home is or will become unoccupied or unfurnished, particularly if you plan to leave your home to allow building works to be completed. Visits to check on your home do not count as it being occupied. Exclusions and limitations apply. For full details, see your Policy Booklet.

If you're still unsure, call us on 0345 246 2904*.

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

You do not need to tell us if your line of work falls within the following: 'Any administrative, clerical, or childminding work carried out at home or in any building that is part of your property.'

However, if you run a business, work from home, or plan to and what you do is different to the above, you must call us on 0345 246 2904* so we can ensure we can cover you for what you need. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

For full details, see your Policy Booklet.

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

If you claim for a damaged item that’s part of a matching set or suite (e.g. flooring, tiles, bathroom suite, kitchen, sofa suite or jewellery set), we'll pay you for the damaged item along with a contribution of up to 50% towards the cost of replacing any undamaged items which are part of the same set or suite.

We'll only do this if we can't repair or replace the damaged item. The same applies to fitted flooring that matches an adjoining room that isn't divided by a door or partition. However, we don’t pay to replace undamaged flooring in rooms divided by a door or partition.

Full terms, exclusions and conditions can be found in our Policy Booklets.

Existing customers can check if you have the right cover for you by logging into Your Insurance Account or calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

Our building insurance provides cover for the cost of accidental damage to underground drains, pipes, cables and tanks which you are legally responsible for and provide services to your home.

The pipes and services must be inside your property boundary.

This also includes any outbuildings you may have.

For more information about your cover and what is not covered, please refer to your policy schedule and Policy Booklet.

Existing customers can check if you have the right cover for you by logging into Your Insurance Account or calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

If you have Home Emergency cover as an optional extra, they may be able to assist you. You can check and view your cover through Your Insurance Account.

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

If you're housing refugees, there's no need to inform us for the first 12 months and your cover won't change. We'll treat the refugee as a family member under your policy. This means your belongings are covered by your home insurance (providing contents cover has been selected) up to the policy limits. For full details of the cover, please see your Policy Booklet and Policy Schedule. After 12 months, if any refugees are still living with you, give us a call when you next renew your policy.

If you're planning to house refugees and won't be occupying the home yourself (e.g. in a second home), please contact us on 0345 246 2904*.

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

Although Tesco Home Insurance provides a range of covers for your home, there are some exceptions where you aren’t covered, these include:

For more information on ‘what’s not covered’, see our Policy Booklets.

If your claim isn’t covered, or you don’t go ahead with a claim, we may still make notes for our records. Although you haven't made a claim, insurers need to record any notification of the loss, and a record will be made on the Claims Underwriting Exchange (CUE) which is a resource that is visible to other insurance companies.

Claims and enquiries information will appear on your documents, but it won't affect your premium. This information is only captured for record-keeping purposes, and you should notify any future insurers of these details if you move to another provider.

If you have chosen to include either Essentials Home Emergency or Full Home Emergency cover, both provide:

However, some of the Home Emergencies you are covered for depend on the level of cover you have with us:

Essentials Home Emergency cover - what is covered:

Home Emergency cover (full cover) - what is covered:

If you have purchased Home Emergency, you can register you claim 24 hours a day and 365 days a year using the Home Manager digital journey or by scanning the QR code within your policy booklet or by calling 0330 123 1963*.

Full terms, exclusions and conditions can be found in our Optional Extras Policy Booklets.

We're sorry to hear you're considering cancelling your Home Insurance policy.

To cancel your policy, you will need to call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. Fees will be charged to cancel your policy as per our terms and conditions which can be found in your Policy Booklet.

You can opt out of automatic renewal at any time. Just log in to Your Insurance Account or by calling us.

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

You can change your address at any time in Your Insurance Account.

As well as your new postcode and house number, you’ll be asked for the following information:

To change your address, follow these steps:

There are no fees for changing your address online, but your premium may change.

If you get stuck, we're here to help. Get in touch by calling us on 0345 246 2904* and we’ll chat you through it step by step. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

You can add buildings or contents to your policy through Your Insurance Account.

Before adding to your policy, you’ll need details of your property and contents. This includes any claims history. After logging in, select the policy and click ‘Make changes’. Click ‘Add buildings cover’ or ‘Add contents cover’ from the drop-down menu. Add the required information. We’ll then show you the cost to make the change and a few optional extras for your policy. If you’re happy to go ahead, choose whether to monthly or pay in full, and you’re all done.

If you get stuck, were here to help. Get in touch by calling us on 0345 246 2904* and we’ll chat you through it step by step. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

We charge fees for:

You can find this information in our Terms of Business Agreement within your Policy Booklet.

There are no fees for changes made through Your Insurance Account, however, your premium may change.

You need to let us know about any changes that could affect your cover as soon as possible.

Some changes you'll need to inform us about are:

If you're registered with Your Insurance Account you can make the following changes online without being changed our administration fee of £25:

If you get stuck or for all other changes, please call Customer Services on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

The part of a claim you must pay. Sometimes more than one excess can apply, in which case we add them together. This usually consists of:

Full terms and conditions can be found in your Policy Booklet.

You can check your excess on your schedule by logging into Your insurance account or calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

Flood Re is a scheme from the government and insurers that makes flood cover more affordable.

Flood Re gives you more home insurance options and prices should be more competitive. Flood Re makes no difference to the way you buy your home insurance. Your insurance company will still handle your claims. For more details on how Flood Re works and its benefits, please visit their website for more information about flood prevention and protection.

First off, call a plumber to fix the leak and prevent any further damage from being caused to your home. If you have home emergency cover as an optional extra, they may be able to assist you. You can check and view your cover through Your Insurance Account.

We know making a claim can be a distressing experience, which is why our claims team are on hand to support you.

If you have purchased Home Emergency, you can register your claim 24 hours a day and 365 days a year using the Home Manager digital journey or by scanning the QR code within your policy booklet or by calling 0330 123 1963*.

Or call our claims team on 0345 677 7222*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 5pm.

There are a few things we’ll need to assess your claim. Before getting in touch, go through this checklist:

For more information on what you're covered for, see your policy schedule and for full exclusions and limitations see your Policy Booklet.

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

You can claim for damage caused by the weather if it meets our definition of a storm:

‘A single violent weather event with wind speeds exceeding 55mph, and/or snowfall exceeding 30cm in depth within a 48-hour period, and/or torrential rainfall at the rate of at least 25mm per hour.’

If the weather event meets this definition, we’ll appoint a partner from our network to assess the damage.

Things that we don’t cover include:

If you claim for something and it turns out you’re not covered for it, a record will be made on the Claims Underwriting Exchange (CUE). The CUE is a resource that is visible to other insurance companies. The claim will also be noted on your policy schedule, but it won’t increase your premium. This information is only captured for record-keeping purposes.

We know making a claim can be a distressing experience, which is why our claims team are on hand to support you.

Call our claims team on 0345 677 7222*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 5pm.

If you have purchased Home Emergency, you can register your claim 24 hours a day and 365 days a year using the Home Manager digital journey or by scanning the QR code within your policy booklet or by calling 0330 123 1963*.

Flooding and storms can cause serious damage to your home. We provide some helpful information around what you should think about if a storm is on the way, and why not put what you’ve learned to the test by taking our home-care questionnaire.

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

We know making a claim can be a distressing experience, which is why our claims team are on hand to support you.

Buildings or contents claims:

Call 0345 677 7222*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 5pm.

When claiming, please quote your policy number. You can find this number on your policy schedule. We might need some information to process your claim.

Here's a checklist of some of the things that would be useful to have to hand, depending on what you're claiming for:

If you have purchased Home Emergency, you can register your claim 24 hours a day and 365 days a year using the Home Manager digital journey or by scanning the QR code within your policy booklet or by calling 0330 123 1963*.

Full terms, exclusions and conditions can be found in our Policy Booklets.

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

Depending on the circumstances we'll settle your claims by:

Please note: All claims are subject to your policy excess. Details on your policy excess are in your policy schedule and more details about how to make a claim are included in your Policy Booklet.

For information about how to make a claim against your Home Emergency and Family Legal Guard cover you can check and view your cover through Your Insurance Account,

If you don’t go ahead with a claim, we may still make notes for our records. Although you haven't made a claim, insurers need to record any notification of the loss, and a record will be made on the Claims Underwriting Exchange (CUE) which is a resource that is visible to other insurance companies.

Claims and enquiries information will appear on your documents, but it won't affect your premium. This information is only captured for record-keeping purposes, and you should notify any future insurers of these details if you move to another provider.

We may pass your claim to our nominated suppliers, who will assist you in settling the claim.

These suppliers may include:

You'll need to speak to the claims team before you incur any costs or proceed with repairs or replacement of your lost or damaged items. The only exception would be in the event of an emergency. Additionally, we will consider reasonable costs you have incurred to prevent further loss.

If you have home emergency cover as an optional extra, they may be able to assist you. You can check and view your cover through Your Insurance Account.

To contact the claims team, please call on 0345 677 7222*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 5pm.

If you have purchased Home Emergency, you can register your claim 24 hours a day and 365 days a year using the Home Manager digital journey or by scanning the QR code within your policy booklet or by calling 0330 123 1963*.

Full terms, exclusions and conditions can be found in our Policy Booklets.

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

It can take up to 6 weeks for Clubcard points and gift card points to come through.

See further details on receiving your promotional offers below.

Tesco Clubcard points are turned into Clubcard vouchers quarterly:

You'll receive the Clubcard vouchers the quarter after the points are applied. If you want your Clubcard vouchers sooner, use Faster Vouchers through your online Clubcard account. With this method, you'll get your vouchers within 24 hours. You can also use the Clubcard app to get your vouchers this way. Gift cards If you have not received your gift cards after 6 weeks, please give us a call on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

There may be several reasons why we are sometimes unable to give a customer a quote. These can include:

Unfortunately, we can’t give you a specific reason if we cannot offer you a quote.

However, we have partnered with Open and Direct for customers who find it difficult to get a quote from standard providers. Open and Direct also provide an exclusive Tesco Clubcard discount. You can call Open and Direct for a quote on 0800 028 3942, and they are open 9am to 5pm from Monday to Friday.

You can get a Tesco Home Insurance quote online on our website or by giving us a call on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. All quotes will be valid for up to 30 days or your chosen start date.

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

Get advice on flood protection for your home from the following sites:

You can check if you have the right cover for you by logging into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. If you need to speak to our claims team, call 0345 677 7222*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 5pm.

We always show you our very best quotes, whether that’s on our website or a comparison site. The only way to improve your quote is by adding your Clubcard number for a discount if you haven’t already. Quotes can’t be reduced by calling our customer service team. For renewals, if you think the offer is higher than it should be, check your details are correct. If something is wrong, this can impact the price we offer.

The terms could include things like:

If you need a hand with your promotional offer, you can call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

You can view your documents through Your Insurance Account.

You can access your documents by selecting ‘View documents’ on the home screen. You’ll then be presented with a list of your documents and the dates they are valid from. If you aren’t registered yet, it only takes a couple of minutes to sign up.

If you get stuck, were here to help. Get in touch by calling us on 0345 246 2904* and we’ll chat you through it step by step. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

We can quote for policies up to 30 days in advance or until the start date of the quote. However, we can only ensure the price remains the same if purchased when you receive it. This means retrieved quotes will be refreshed using your existing information. In turn, this could mean your price changes. Any changes to your quote details may also result in the price changing.

If you get stuck, were here to help. Get in touch by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

You can renew your policy by logging in to Your Insurance Account and follow these steps:

If you pay by Direct Debit, your new payments will start automatically.

If you pay annually, we'll automatically take the new payment from the same card you used last year.

If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.

If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.

If your policy is set to automatically renew but you don't want to go ahead, you can make a change by logging in to Your Insurance Account or calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

If you're worried about falling behind on your payments, please call us on 0345 246 2904* and we’ll take you through your options. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

You'll need to get in touch at least 10 days before your payment is due so we can discuss your options.

You can also choose to reduce or change your payment. You can do this by adjusting your cover or changing your Direct Debit date.

As well as our friendly customer service agents, we also have a specially trained customer care team for customers who may a little extra help.

What our care team can provide, depending on your circumstances, your options could include:

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

It is a condition of your policy that you take care of your home and its contents, if you do not take care of your home, it could affect the amount you are able to claim or may result in the claim being refused and/or your policy being cancelled. Regular maintenance of your home can prevent or minimise damage.

Here are a few things you can do:

An affordability check (soft credit check) is carried out when you quote or when we invite your renewal. This happens for all customers, regardless of whether you intend to pay annually or by instalments. Soft credit checks will appear on your credit file as Lexus Nexus and won’t be visible to other credit providers.

Should you decide to purchase or renew a policy paying by instalments, your credit record will be updated to show a hard credit check has also been completed. A hard credit search will show on your credit file as Tesco Underwriting and will be visible to other credit providers.