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.
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
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.
You must tell us about any building work that you plan to have carried out within your home. As a result of the change to the information you originally provided, your premium may increase or decrease and the terms of your policy may be amended, depending on the type of work being carried out.
If you do not tell us about this, we may refuse to pay a claim, or pay only part of a claim under your policy.
Please call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 9pm and Saturday - Sunday 9am - 5pm.
For more information on what changes you need to tell us about, please see section 1 of your policy conditions within 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.
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.
If you have a Tesco Finest, Standard or Value cover, you can add an individual valuable item for an additional cost by contacting us.
All you will need to know is the description of the item, including how much it is worth and we can provide you with a quote.
For more information on valuable items, please see our existing FAQ In which cases do I need to tell you about the individual value of my home contents?