Tesco Bank Home Insurance covers mobile phones and tablets for loss, damage or theft within the home (please check your policy booklet for actual cover levels). If you would like to cover these items outside the home, you will need to take out additional personal possessions cover as this is not included as standard. 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. For Value, Standard and Finest policies the discount applies only to buildings and/or contents cover. For Tesco Bank Home Insurance available from 15 May 2013 the discount does not apply to Home Emergency Cover and Family Legal Guard.
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 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 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. Exclusions and limitations apply, for full details of the cover provided please see your Policy Booklet.
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 £2500 with a limit of £1000 for a single bicycle. 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.
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 makes no difference to the way you buy your home insurance; you will buy it in the same way you’ve done before. 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 www.floodre.co.uk where you will also be able to find information about flood prevention and protection.
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)
Your boiler is only covered for emergency repair if you have taken the option for Home Emergency cover or have Tesco Finest Home Insurance. If you have Tesco Finest Home Insurance and you suffer a breakdown and/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. For details of limits and exclusions please see your Policy Booklet. Home Emergency cover is underwritten by Interpartner Assistance SA