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Tesco Bank home insurance review

Read Which?'s expert review of Tesco Bank's home insurance policies and find out how it compares with dozens of other home insurance companies.

In this article
What does Tesco Bank home insurance cover? Does Tesco Bank offer the best home insurance? Tesco Bank’s home insurance policy: is it good or bad? How did customers rate Tesco Bank's home insurance?
Where can you buy Tesco Bank home insurance? What is the Tesco Bank home insurance claims number? Get top money-saving tips with Which?

Tesco Personal Finance was born out of a partnership between Tesco plc and Royal Bank of Scotland (RBS) in 1997. In 2008, Tesco bought out RBS's share and rebranded as Tesco Bank, which today offers a wide range of financial products from home insurance, to car insurance, pet insurancecredit cards, personal loans and mortgages.

Tesco Bank's home insurance is underwritten by a panel of Tesco Underwriting Ltd, Axa Insurance plc, Royal & Sun Alliance Insurance plc and Fairmead Insurance Ltd.

Tesco Bank offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
Tesco Bank Home insurance Standard Unlimited £100,000

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

 

What does Tesco Bank home insurance cover?

The information below gives an at-glance view of the key areas that Tesco Bank's home insurance covers as standard. Elements marked with a are covered as standard, those marked with a aren't covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Burst pipes

 

Covers the cost of repairing burst pipes in the property

 

Key cover

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

 

£ Accidental damage

 

Covers accidental damage to personal belongings, fixtures and fittings.

 

£ Home emergency

 

Covers callouts and temporary repairs resulting from a home emergency

 

£ Personal possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home

 

£ Boiler cover

 

Covers the failure of a boiler or central heating system

 

£ Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes

 

Does Tesco Bank offer the best home insurance?

Here's how Tesco Bank scored in our latest home insurance survey:

Home And Mobile Insurance
Tesco Bank review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score, and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.

Tesco Bank’s home insurance policy: is it good or bad?

We've rated hundreds of policy details and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Tesco Bank's home insurance rated

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2021. Next update in February 2022

To see how Tesco Bank's home insurance compares with other policies, check out our guide on the best and worst home insurance.

How did customers rate Tesco Bank's home insurance?

As well as looking at how Tesco Bank's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it.

Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

How Tesco Bank's home insurance scored for seven elements of customer satisfaction

Customer satisfaction element Which? customer rating
Application process Logged out padlock
Clarity of policy Logged out padlock
Dealing with queries Logged out padlock
Ease of managing your policy online Logged out padlock
Treatment of longstanding customers Logged out padlock
Dealing with complaints Logged out padlock
Value for money Logged out padlock

Table last updated in March 2021. Next update in March 2022.

"-" represents where we have insufficient sample size (less than 30) to generate a star rating

Where can you buy Tesco Bank home insurance?

Tesco Bank home insurance can be purchased online and over the phone

Tesco Bank's home insurance policy is available on the following price comparison websites:

  • Compare The Market
  • Confused.com
  • Go Compare
  • MoneySupermarket

Find out more: how to get cheap home insurance

What is the Tesco Bank home insurance claims number?

If you need to make a claim with Tesco Bank home insurance, check your schedule to find out which insurer is underwriting your policy, then call:

  • Tesco Underwriting Ltd - 0345 677 7222
  • AXA Insurance UK plc: 0330 024 0387
  • Royal & Sun Alliance Insurance plc: 0345 078 7535
  • Fairmead Insurance Limited: 0345 070 1307

Find out more: is it worth claiming on your home insurance?

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