This is a specialist page for Tesco Home insurance. Disclaimer
The following details are not an endorsment of Tesco Home insurance;
we encourage you to shop around before you choose your home insurance
provider.
Buildings insurance
Your buildings insurance covers
- Tesco provide you with up to £1million cover for your buildings
insurance. This means if your home was destroyed, Tesco would pay
out up to £1million to cover the costs of the re-build. Subject
to eligibility.
- The structure of your home and walls, gates, fences, hedges, footpaths,
etc.
- Outbuildings such as garages and sheds.
- All permanent fixtures and fittings such as kitchen units, fitted
wardrobes and wallpaper.
- All of the above are covered against fire, storm and flood (except
hedges, gates and fences), theft, vandalism, escape of water and
subsidence.
Tesco also cover
- Accidental damage to underground pipes and cables e.g. pipes
freezing.
- Accidental breakage to fixed glass and bathroom ware.
- Cost of alternative accommodation for you, your family and pets
during necessary repairs to your home following an insured
event.
Tesco also include a 24 hour household emergency helpline to get
a tradesman to you urgently.
Additional Cover Option - Accidental Damage
When added to your buildings insurance, it covers accidental damage
to your home such as putting your foot through the roof, spilling
paint down the side of an external wall or damaging pipes or
cables whilst hammering a nail into a wall.
Contents Insurance
Tesco cover on a 'new for old' basis:
- All household goods including all non-permanent fixtures and
fittings e.g. carpets and curtains (but excluding clothing and
linen).
- Personal belongings in the home e.g. cameras, bags and glasses.
- Cash in your home (up to £300).
- All of the above are covered against theft, vandalism, fire, storm
and flood.
Tesco also cover
- Accidental damage to TVs, VCRs, stereo equipment and home computers.
- Freezer contents (up to £250).
- Contents temporarily removed from your home e.g. to a caravan
or holiday home, this includes your children's belongings while
at university or college (up to £5,000)
- Cost of replacing external door locks if keys are stolen (up to
£500).
- Contents in the garden (up to £500).
- Any purchased downloadable information (up to £1,000) e.g
packages on computers and laptops and music on iPods.
Tesco also offer extra cover over Christmas and 4 weeks before and
after your wedding. Tesco also include a 24 hour Emergency Helpline.
Additional Cover Option - Accidental Damage
When added to your contents insurance, it covers accidental damage
to contents such as knocking over a vase or spilling paint on your
carpet.
Other 20 great discounts
30% discount in your first year when you buy over the phone OR
35% discount in your first year when you buy online
The above discounts are taken off the risk-based premium. The
risk-based premium is the price a customer pays based on their
personal circumstance.
The following cover options can be added to your Tesco Home Insurance
policy.
Accidental Damage
- When added to your buildings insurance, it covers accidental
damage to your home such as putting your foot through the
roof, spilling paint down the side of an external wall
or damaging pipes or cables whilst hammering a nail into
a wall.
- When added to your contents insurance, it covers accidental
damage to contents such as knocking over a vase or spilling
paint on your carpet.
Family Legal Protection
- A legal helpline that is available 24/7, providing immediate
access to legally qualified staff who will be able to give
you advice on any private legal issue.
- There's up to £50,000 in costs available per claim to help
you pursue your legal rights. This could help you for example
if you lose your job without good reason, have a dispute
with your neighbour, go on a dream holiday that turns into
a nightmare or buy a faulty gadget.
Personal Possessions Cover
- Cover for your belongings when you or a member of your family
are away from home in the UK and for up to 60 days worldwide.
- This includes accidental loss or damage to items such as mobile
phones, money, credit cards, jewellery or cameras. Money
is covered up to £300 and credit cards up to £500.
Here is a summary of what's covered under buildings and contents
insurance:
| Buildings insurance - items
covered |
Covered |
| Loss/damage from fire, theft, storm, flood, burst pipes,
vandalism, subsidence |
Yes |
| Up to £1 milllion buildings cover as standardB9 |
Yes |
| Cost of alternative accommodation |
Yes, up to £25,000 of sum insured |
| The cost of damage resulting from a forced entry by the
emergency services |
Up to £1,000 |
| Architects, surveyors, consultants and legal fees following
damage |
Yes |
| Outbuildings, including sheds and garages |
Yes |
| Damage to plumbing by frozen or burst pipes |
Yes |
| Accidental breakage to glass and bathroom ware |
Yes |
| Contents insurance - items
covered |
Covered |
| Loss/damage from fire, theft, storm, flood, burst pipes,
vandalism, subsidence |
Yes |
| Cost of alternative accommodation |
Yes, up to 20% of contents sum insured |
| Replacing purchased stored information e.g. music on iPods |
Up to £1000 |
| New for old replacement for items in the home (except
linen and clothing), garages and sheds |
Yes |
| Valuables such as jewellery, watches, paintings etc (a
limit of £1,500 applies per itemB2) |
Yes |
| Accidental damage to TVs, videos, DVD players, audio equipment,
radios, computers |
Yes |
| Accidental breakage of mirrors, fixed glass in either
furniture, pictures or ornaments |
Yes |
| Replacement of external door locks and keys |
Yes, up to £500 |
| Contents in the garden |
Yes, up to £500 |
| Money in the home |
Yes, up to £300 |
| Freezer contents |
Yes, up to £250 |
| Contents temporarily removed from your home |
Yes, up to £5,000 |
| Cost of preparing new title deeds due to damage or loss |
Yes, up to £250 |
| Loss of metered water or oil |
Yes |
| Accidental Damage |
Yes, as an additional option |
The following cover options can be added to your Tesco Home
Insurance policy:
| Additional Cover Options |
Covered |
| Personal possessions cover away from home |
Yes, as an additional option |
| Family legal protection |
Yes, as an additional option |
| Accidental damage |
Yes, as an additional option |
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Details correct at time of publication. . Terms and conditions
can change, this web site is not responsible for the publication
of current policy delails. Please check details before applying....
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