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 Tesco Underwriting 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?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Burst pipes
Covers water damage caused by 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 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 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 factor this in 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. We then adjust the impact the more and less important elements have on the overall policy 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
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.
Tesco Bank home insurance customer satisfaction
Table last updated in March 2022. Next update in March 2023. A '-' indicates we didn't receive sufficient customer responses to generate a score.
How can you save money on Tesco Bank home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
Tesco Bank home insurance can be purchased online, over the phone, and from the following price comparison websites:
- Compare The Market
- Go Compare
Above information correct as of February 2022. For more tips see our guide to getting a cheap home insurance quote.
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: 0345 677 7222
- Find out more: is it worth claiming on your home insurance?