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Tesco Bank: Home insurance reviews

Name: Home insurance
Rating: 4.10 (131 reviews)

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4.10

Based on 131 reviews, last reviewed 4th Sep 2026

1100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

39%

12%

44%

Latest highest rating:

5

So easy to set up and easy to customise. So easy to set up and easy to customise. Reviewed on: 4th September 2026

Latest lowest rating:

1

Tesco home insurance what a Joke!! Returned home from two week holiday to find water damage in lounge ceiling above window. We contacted Tesco insurance and they asked us how do we thin... Read more Reviewed on: 24th February 2026

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About this product

Tesco Insurance give Clubcard holders a discount on their home insurance policies.

Tesco home insurance provides unlimited building cover as standard and contents cover of up to £100,000. You can manage your Tesco home insurance policy online. All home insurance policies offer optional extras for an additional cost.

Tesco home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Tesco Bank before, you can also leave a review and share your experience.

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Tesco Bank Home insurance reviews (131)

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£650 Pound in 5 weeks Tesco Clubcard earned via Post from Tesco£3.00 Reviewed on: 17th February 2020

Every little unhelpful!

Ever since we became home owners 7 years ago, we have been taking out Home Insurance from Tesco for majority of those years. We have never made a claim, which explains why we’ve had them as our insurer for so long. We just didn’t know how horrible they were. An honest mistake which will not be repeated. With Storm Atiyah, the children’s school closure for Xmas and sub –zero temperatures fast approaching, we found ourselves faced with a tiny issue with the boiler – the fan broke. It could have been a lot worse, but luckily all we needed was a replacement fan to be installed. It wasn’t so bad. Or so we thought, after Tesco told us that our policy covers for the boiler (under home emergency) for up to £1000 worth of repairs (yes, that’s one thousand pounds!). A plumber was sent to ‘look at’ the boiler. Strangely even before the plumber had made it to our house this counted as ‘an existing claim’ on the policy. The plumber examined the boiler, and reported that the issue was due to a ‘leak in the roof’. Now, we know a leak involves a drop or two of dripping water somewhere, so he pointed to a random watermark to prove his point. (It wasn’t ever seen before he entered the house and has magically disappeared and never made an appearance shortly after he left the premises). In short, there was no leak, the roof is just fine. He tried showing me the ‘leak’, but all I could make out was a few drops of water that could’ve ‘accidentally’ been splashed around (from the feed expansion tank located in the loft). Or it could be the WD40 that was left behind during the recent annual boiler maintenance and servicing. As a consequence, Tesco decides that the boiler is BER ‘beyond economic repair’ and refuses to get the boiler repaired. After a week of living in a freezing house with young children, I had to then contact a locally registered plumber, who immediately sourced a fan, and fixed the boiler within a day for around £300. It’s been working fine since then. Also co-incidentally the plumber sent by Tesco to ‘look at’ our boiler, works for MPSL Emergency (https://mpslemergency.co.uk/) a company that also does roof repairs. However, the fact hasn’t been verified yet whether they repair roofs with real or imaginary leaks. So kindly do your due diligence and research. This story will be forwarded to BBC Watchdog and any other organisation that is willing to investigate fraud and ridiculous insurance policies. Operation ‘Boycott Tesco’ is now at work – we’re not buying anything that has the name ‘Tesco’ on it, informing every single of our friends and family about their crooked policies, and making sure this story gets posted on as many review websites as possible. Please beware of such con artists who can effortlessly attribute a broken fan to a ‘roof leak’ and conjure up a watermark in the process. Stay safe from such crooks. Reviewed on: 20th December 2019

Avoid

I'm mad at Tesco insurance Attention, if you buy insurance there, they will do everything not to help you, on phone they advising me to take private companies I have lived in the house since 2012, I had no problems until yesterday when began to leak the ceiling in the hallway Basically what they said in phone - (we notice it wasn’t any storm in your area but its heavy rain so call to roofer) - roofer for leaking ceiling inside house . Insurance company should check the reason for leaking but at Tesco already at the telephone stage without seeing even pictures are able to state that this is not their business call to private company Nice help Thanks useless Tesco insurance Think twice before buying something from them and look for review ! People who bought insurance and give 5 stars probably never had to claim Reviewed on: 15th November 2019

Building and contents

Been with TB for a number of years and happy with their service but one must check the renewal price against their Web site before accepting. Reviewed on: 12th November 2019

Customer service

Excellent customer service with no problem too big or small. Reviewed on: 2nd August 2019

Appalling customer service and management of my claim

We had to make a claim on our home insurance after a car drove into our house. I have been shocked and appalled by how badly the claim has been handled. It has made an already stressful situation more stressful than necessary. The level of customer service is atrocious. I would never get this product again! Reviewed on: 18th April 2019

Absurd price hike

I have been a Tesco home insurance customer for over 10 years and when I bought the policy for the first time, it was great value for money. Because of my trust in them, I did not realised that my premiums have gone sky high, over £80 a month, my fault for not checking. When I confronted them, they could not care less and on to top it up, I have to pay £170 cancellation. I went back to their website, to try to get a quote, out of curiosity and to my surprise, a new quote was only £17 a month. These people do not give a rat’s arse about loyal customers. Never again, I will be buying anything from them. Reviewed on: 16th April 2019

Frozen food excess

Phoned today to make a claim as my fridge freezer full of Christmas food has stopped working, apparently have £200 excess to pay!! It'll cost around that to replace goods Reviewed on: 14th December 2018

VERy GOOD

I found It very good. that people will find it very good to join. Reviewed on: 30th November 2018

Tesco acts in an immoral way

We have phoned up twice in three years to check if some minor damage was covered by the insurance. The damage was not covered and we never made a claim. Image our surprise when we get a phone call from Tesco's to tell us we are statistically a greater risk and for the 8 months remaining on our policy we have to pay an extra 20%. This means we lost our no claims bonus for enquiring about minor damage. A complete scam. Reviewed on: 23rd November 2018

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