Tesco Home Insurance

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Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is Tesco home insurance right for you?

Tesco offer home insurance through their Tesco Bank brand. They offer both buildings and contents cover which can be bought separately or as a joint policy. Tesco Bank offers a discount on home insurance policies for Tesco Clubcard customers and a 10% discount for new customers who buy online.

 

Choosing a Tesco home insurance policy

Tesco Bank Home Insurance is Defaqto 5 Star rated and comes with a range of standard features, including unlimited buildings cover. You can also customise your policy with additional features to create a more comprehensive policy that matches your needs.

 

Buildings insurance

With Tesco buildings insurance you can enjoy:

  • Unlimited buildings cover
  • One year guarantee on home repairs which will be carried out by insurer-appointed builders
  • Permanent fixtures in your home such as your built-in kitchen, wardrobes, showers and baths are also covered
  • Burst pipes and blocked sewer pipes are covered for repairs up to £5,000
  • They will provide replacement locks if your house keys are lost or stolen
  • Alternative accommodation up to £50,000 if your home requires repairs

 

Contents insurance

Tesco contents insurance customers can benefit from:

  • Up to £75,000 new for old contents cover, as standard. This can be increased to £100,000
  • Alternative accommodation up to £15,000 if your home isn't safe to live in
  • Accidental damage on home entertainment equipment as standard
  • Garden contents are covered up to £1,500, items such as barbecues and lawnmowers are included
  • Digital cover for legal downloads and more, up to £2,000
  • If your freezer fails, they will cover the cost of replacing your food, up to £1,000

 

Optional extras

Tesco home insurance customers can add the following optional extras to their cover:

  • Extended Accidental Damage Cover (provides extra protection from accidents)
  • Away from Home Contents Cover (covers your possessions when taken out of the home)
  • Bicycle Protection (covers your bike away from home)
  • Home Emergency Cover (24-hour cover for a range of emergency situations)
  • Family Legal Guard (covers legal expenses & access to a legal helpline)

 

What is the Difference between New for Old cover and Indemnity cover?

The phrase ‘new for old’ is frequently mentioned in insurance policies but what does it mean? If you make a home insurance claim then it will be settled either on a new for old basis or an indemnity basis.

 

If you’re offered new for old cover, the insurer will either pay the full cost of repairing damaged items or will pay to replace them with equivalent new items, if they're stolen or destroyed.

 

However, Indemnity policies will deduct an amount for wear, tear and depreciation of the item from the claim money.

 

While it’s likely that an indemnity policy might be cheaper than new for old cover, it might be counter-productive if you need to make a claim and could end up costing you more.