A Home Insurance excess is the amount you will have to pay towards a claim. This usually consists of a voluntary excess (this is something you can choose when taking out a policy) and a compulsory excess which is set by the insurer. You would need to pay both the voluntary and the compulsory in the event of a claim.
The voluntary excess you choose may affect your premium. A lower excess means your premium may go up in price and if you choose a higher excess, this may bring your premium down. Please remember that the excess you choose, is what you will have to pay in the event of a claim.
Excess payable on your policy can be found in your Policy Schedule.
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
You can log on to Your Insurance Account to view details of your insurance renewal invitation approximately 21 days before your renewal date. This will contain details of next year’s premium, any changes to the terms and conditions and whether you need to contact us to complete your renewal.
If you want to renew your policy, you can renew it yourself by logging in to Your Insurance Account.
Once logged in, click View renewal on the home page
Please check all the information is up to date
You will then be asked if your happy to automatically renew or whether you want to change your payment details (please note that if you pay in full, your payment will be taken immediately)
Continue using the on screen instructions to confirm your payment details
If your policy is set to automatically renew, you don’t need to do anything unless your circumstances have changed or you want to make a change to your policy. If you pay by Direct Debit your new payments will start automatically. If you pay annually, the new payment will automatically be taken from the same payment card you used last year.
If your policy is set to automatically renew and you do not want to go ahead, you need to contact us.
If you have chosen to receive your documents online, they will be available in Your Insurance Account.
If you have chosen to receive paper documents, please allow up to 7 working days for them to arrive.
You can view your documents immediately once you have registered for Your Insurance Account.
Family Legal Guard is provided by Ageas Insurance Limited for policies starting on or before 30th September 2017 and by Am Trust Europe Limited for policies starting on or after 1st October 2017 and can be added to your policy for an additional premium. If you have a Finest Home Insurance policy this cover is automatically included in your policy. If you already have Tesco Home Insurance please check your Policy Schedule to see if you are covered.
Family Legal Guard provides you and your family with up to £100,000 of cover for legal expenses associated with personal injury claims, contract disputes, property disputes, employment disputes, tax protection, inheritance, legal defence as an employee and motoring prosecution. It also covers your salary while you attend jury service. Cover is provided where someone else is to blame and you are likely to be able to recover your losses from the person who is to blame. You can add Family Legal Guard when you next renew if you do not already have this cover.
If you already have Legal Protection there may be an element of overlap with this cover. Terms and Conditions apply, please see your Policy Booklet for full details.
Tesco Home Insurance contents cover will provide you as a tenant cover for:
Damage you cause to the building that you occupy (and are legally responsible for), including any garages or outbuildings owned by the landlord that you rent from.
Damage to the landlord’s fixtures or fittings and interior decorations
Exclusions, limitations and excesses apply. For details see the home insurance policy booklet.
You only need specify contents if they are 'valuables' and are worth more than the limits below. 'Valuables' include watches, jewellery, furs, items or collections of gold, silver or other precious metals, works of art, sets of stamps, coins or medals.
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.
For policies taken out after May 2013, the overall limit applies: 1-2 bedrooms £10,000, 3-4 bedrooms £15,000, 5-6 bedrooms £20,000 and for valuables over £75,000 then its 30% of the total sum insured.
If you need to specify an item, please refer to our existing FAQ on how to do this. If the total of your unspecified valuables amount to more than 30% of your total contents sum insured please contact us to discuss.
Excesses and exclusions apply. See your Policy Booklet for details.
Clubcard points - It can take up to 6 weeks for points to be added to your Clubcard account. Points are awarded quarterly in February, May, August and November and it depends on when these are applied as to what statement you will see your points.
Cut off points - for policies purchased on or before;
31st March - will appear on May statement 30th June - will appear on August statement 30th September - will appear on November statement 31st December - will appear on February statement
If you miss the cut off, points will appear on your next available statement. If the points have not been applied to your account within that timescale then please call Customer Services.
Giftcard - It can take up to 6 weeks from the date your policy started. If you have not received it after this time, then please call us.
For other important things to check and eligibility information, please see our checklist.
If you’d like to view our opening hours, please visit our Contact Us page.
Yes, you can take out contents only Home Insurance if you are a tenant in a rented property. You can apply online for a contents only policy by going to our Home Insurance page and clicking the red ‘Get a Quote’ button, or you can call us.
If you share the rented property with other people please contact us to discuss this further.
Online You can get a quote by selecting the red ‘Get a Quote’ button on the Tesco Home Insurance website. Our online quote process is simple and straightforward – just answer some questions about you and your property to get your quote.
Telephone You can also get a quote by calling us on 0345 246 2904*.
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.