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 insurance, credit 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|
- Read our reviews of all the insurers who took part in our home insurance analysis
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:
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.
In detail: every part of Tesco Bank's home insurance rated
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
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
- Go Compare
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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