Tesco Bank Home Insurance covers mobile phones and tablets for theft within the home (tablets are covered for accidental damage under home entertainment equipment cover as standard).
If you need your mobile covered for accidental damage when at home, you would need to add personal possession's cover (which includes cover for items away from the home) or add accidental damage to cover your mobiles in the home only.
You can add accidental damage to your policy via Your Insurance Account, which is available 24 hours a day. There will be no fee for making a change to your policy (when accepted via Your Insurance Account), but there will be an increase in premium for adding this to your policy.
You can also find more information on our Home Insurance pages on our website. Exclusions and limitations apply, for full details of the cover provided please see your Policy Booklet.
No, we do not offer points on every pound you spend on your Tesco Home Insurance premium. However, our Clubcard customers do get a guaranteed discount on the policy. The discount does not apply to Home Emergency Cover and Family Legal Guard.
Your cover will depend on which policy you have. You can view your level of cover by logging into Your Insurance Account and viewing your policy documents.
Contents - Contents cover protects the belongings you have in and around your home, the things you take with you when you move home – up to a maximum £100,000. If you are an existing customer your contents cover limit will be detailed on your Policy Schedule. Tesco Bank Contents Insurance includes:
Cover for your contents against theft, fire, flood and storm
Cover for your contents when moving home
Alternative accommodation and storage
24 hour Household Emergency Helpline (for Tesco Underwriting policies)
Options to extend your cover, like cover for personal possessions or extended accidental damage
Option to specify your high value items for cover away from the home
Buildings - Buildings insurance covers the structure of your home, including drives and any outbuildings, as well as fixtures and fittings - these are things you don't take with you when you move home. Tesco Bank Buildings Insurance covers the rebuild cost of your home if it is damaged or destroyed. Value and Standard policies provide cover for up to £1million and all other polices provide unlimited cover. 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 of the cover provided please see your Policy Booklet.
You will have to specify any items that you wear or carry outside of the home, that are individually worth over £2,000 - such as an engagement ring, watch or camera. You can cover 1 item worth £20,000 or a number of items up to that limit. By specifying an individual item, you’ll be covered for loss, theft and damage of these items anywhere in the UK (including in your home) and for up to 60 days when you're abroad.
If you’re a Value, Standard or Finest customer you need to tell us about any valuable item which is over the limits below. By specifying an individual item, you’ll be covered for loss, theft and damage of these items anywhere in the UK (including in your home) and for up to 60 days when you're abroad.
The Value policy automatically covers single items up to £1,500 each when in the home.
The Standard policy automatically covers single items up to £2,000 each when in the home.
The Finest policy automatically covers single items up to £3,000 each when in the home.
If you took out a new policy after May 2013 there is no individual limit in the home, however away from the home, anything over £2000 would need to be specified. You can add a specified item to your policy via Your Insurance Account, which is available 24 hours a day. There will be no fee for making a change to your policy (when accepted via Your Insurance Account), but there may be an increase in premium for adding this to your policy.
Exclusions and limitations apply, for full details of the cover provided please see your Policy Booklet.
For our Value, Standard and Finest policies - items in the garage or shed are covered up to the contents sum insured listed on your Policy Schedule.
For policies taken out after May 2013 – if you have a garage, shed or outbuilding, then there is a limit of £5,000 for theft.
Limitations and exclusions may apply, please see your Policy Booklet for more information.
Bicycles whilst kept in the home are covered up to the contents sum insured.
Cover away from the home can be added to your policy for an increased premium. This provides cover up to £2,500 with a limit of £1,000 for a single bicycle.
You can add this to your policy via Your Insurance Account, which is available 24 hours a day. There will be no fee for making a change to your policy (when accepted via Your Insurance Account) but there will be an additional cost for adding this to your policy.
If your bicycle is kept in an outbuilding, it is covered under the contents in your outbuildings cover, which has a limit of £5,000 for all items.
If you have Tesco Finest Home Insurance, bicycles away from the home are automatically covered up to £5,000 with a limit of £2,000 per bicycle.
Cover away from the home is anywhere in the UK including your home and up to 60 days when you’re abroad.
Please check your Policy Schedule to check if you have this cover. Exclusions and limitations apply, for full details of the cover provided please see your Policy Booklet.
We are sorry you are considering cancelling your Home Insurance policy.
If you need to cancel your policy, please call us on 0345 246 2895 or 0113 209 3098 if calling from a mobile. This number may be included as part of any inclusive call minutes provided by your phone operator.
Alternatively, you can write to us via Freepost RSJB-RZZY-HTJB, Tesco Bank Customer Service, P.O. Box 276, Newcastle Upon Tyne, NE12 2BT.
Fees will be charged to cancel your policy. Please refer to your Policy document for full details.
Flood Re is a new scheme developed by the insurance industry and the Government to make flood cover more affordable for households at the highest risk of flooding.
As a result of Flood Re, there should be far more home insurance options available to households at a high risk of flooding, and prices should be more competitive. Flood Re does not change the way you buy your home insurance and any claims you need to make, will continue to be handled by your insurance company.
For further information about how Flood Re works and what the benefits are please visit https://www.floodre.co.uk/ where you will also be able to find information about flood prevention and protection.
If you have our Tesco Finest policy, this includes cover for boiler breakdowns. For all other types of Tesco Bank policies, this can be added as an optional extra, called home emergency cover. You can add this to your policy via Your Insurance Account, which is available 24 hours a day.
Should you suffer a breakdown or failure of the central heating boiler within your home, then:
* we will organise an Engineer to come to your home * we will pay for the call-out, labour, parts, materials and VAT involved in repairing or remedying the breakdown and/or failure of the boiler * if a new part is required, we will endeavour to source it in the quickest time possible * if your boiler is beyond economic repair then we will pay an amount towards its replacement.
Damage caused by escape of water from your boiler or any water installation is covered under the home insurance policy itself.
For details of limits and exclusions please see your Policy Booklet. Home Emergency cover is underwritten by Interpartner Assistance SA
Information and advice on flood protection for your home is available from the following sites:
- The National Flood Forum
- The Scottish Flood Forum
- The Blue Pages
- Flood Protection Group (Part of The Property Care Association)
- Environmental Agency