Combined Buildings and Contents Insurance

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. You can add accidental damage to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium will increase. To make this change, follow these steps:

If you need time to think about the quote, you can exit by clicking ‘Back to your account’. We’ll save your quote for you, and you can access it by heading to ‘Your saved change quotes’ on your account page. You can exit on the last page.

You can find more information on our Home Insurance pages on our website. Exclusions and limitations apply – for full details, see your Policy Booklet.

Maximum coverage amounts

Our maximum coverage amounts are:

You can’t collect Clubcard points on Tesco Home Insurance Premium. However, Clubcard members can still get a discount on their policy. Additionally, this discount doesn’t apply to Home Emergency cover or Family Legal Guard.

Depending on which policy you have with us, you may or may not need to specify items with your policy. We’ve explained how this works for both types of policy below. A few steps describing how to add items to your policy are at the bottom of this page.

Policies that start with TI

You’ll have to specify any items you wear or carry outside the home and are worth over £2,000. A few common examples include engagement rings, watches, and cameras. You can cover 1 item worth £20,000 or several items up to that limit. By specifying an item, you’ll be covered for loss, theft, and damage in the UK (including your home) and up to 60 days abroad.

You don’t need to specify items for cover within the home, but check your Policy Schedule for limits. You can add items to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium may increase.

Policies that start with QH

There’s no need to specify items for cover at home for this policy. This is because they come with Click & You’re Covered Home Insurance. If you want cover for items away from your home, you should add personal possessions cover. This cover can be for up to £15,000 with a single item limit of £5,000.

You can add personal possessions cover to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium may increase.

How to add an item to your policy

To add an item to your policy, follow these steps:

Excesses and limitations apply. For full details, see your Policy Booklet.

You can add Family Legal Guard to your home insurance policy for an added premium. Family Legal Guard 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. Terms and conditions apply. For full details, see your Policy Booklet. Family Legal Guard is underwritten by Am Trust Europe Limited.

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

If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy. 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 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*.

*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. 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*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

For more information on what changes you need to tell us about, see section 1 of your policy conditions in your Policy Booklet. Details of any exclusions and limitations are also available.

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

Your cover will depend on which policy you have. Check your level of cover by logging in to Your Insurance Account and looking at your policy documents.

Contents

Contents cover protects the belongings you have in and around your home. Your maximum cover depends on what your policy number starts with:

If you’re an existing customer, your contents cover limits are detailed on your Policy Schedule. Tesco Contents Insurance includes:

You can also extend your coverage for an added premium. This includes:

Buildings

Buildings insurance covers the structure of your home, including drives and any outbuildings. It also covers all your fixtures and fittings. Our buildings insurance also covers rebuild costs if your home gets damaged or destroyed.

All our policies include cover for alternative accommodation and rent. The limits of this cover vary depending on the policy you hold. Exclusions and limitations apply – for full details, see your Policy Booklet.

You can change your address at any time in Your Insurance Account. As well as your new postcode and house number, you’ll information on:

To change your address, follow these steps:

We’ll then show you the cost to make the change and a few optional extras for your policy. There are no fees for changing your address online, but your premium may change.

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*. Fees will be charged to cancel your policy. See your Policy Booklet for details.

You can opt out of automatic renewal at any time. Just log in to Your Insurance Account and click ‘Manage Renewal’.

*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*. 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.

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

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.

Once the leak has been sorted, our claims team will be on hand to support you. You can contact the claims team on 0345 246 2904* or visit our Home Insurance claims: how to claim page. You can also head to Your Insurance Account and select ‘Make a claim’ from the top of the page.

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

If our assessment shows that you're covered, we'll pay you up to the limit in your policy schedule. Some of the costs we might cover include work to trace and access the cause of the leak and the cost of removing and replacing parts of walls, floors, and ceilings. You'll also be able to claim for the resulting water damage caused by the leak. However, you won't be able to claim for the leaking pipe itself as this is not covered by our policy.

For more information on what you're covered for, see your policy schedule and 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 work from home or are thinking of working from home, call us and we will check what type of cover we can offer.

Our definition of home working is:

‘Any administrative, clerical, or childminding work carried out at home or in any building that is part of your property.’