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Tesco Bank: Home insurance reviews

Name: Home insurance
Rating: 2.81 (117 reviews)

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2.67

Based on 117 reviews, last reviewed 7th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

33%

14%

48%

Latest highest rating:

5

Really happy with year on year price Really happy with year on year price Reviewed on: 7th September 2025

Latest lowest rating:

1

legal scamming , beware buildings home insurance. even though2 people from tesco one of them a surveyor agreed it was storm damage and the builders that fixed it said it as ... Read more Reviewed on: 12th May 2025

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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.

Tesco Bank Home insurance reviews (117)

Review of the Tesco Bank, Home insurance:

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

Wife lost her phone whilst out walking, immediately...

Wife lost her phone whilst out walking, immediately contacted Tesco home insurance to raise a claim, from the very 1st moment i felt to be a criminal, I was bombarded with tasks to do before they would pay anything, it took a total of 7 weeks for Tesco to agree to pay out for my loss, I constantly had to chase for an update not once did Tesco contact me 1st, the last conversation I had was “we are still waiting on some information “ they requested this 5 weeks previous and I sent immediately, when challenged they just said “ok send me your bank details and the money will be in within 3-5 working days “ the only product I will ever buy again from Tesco is cheap Gin and Larger when on offer Reviewed on: 14th June 2024

I got the emergency cover and they were not able to...

I got the emergency cover and they were not able to send me an engineer. they told me to get my own engineer and they were gonna refund me the invoice. I paid the invoice and they did not read found me the money for the emergency. I’ve been waiting two months and nothing. Reviewed on: 18th April 2024

They keep raising the premiun every year.

They keep raising the premiun every year. Good service though. Reviewed on: 15th March 2024

Dont bother

Avoid,told me roof would have to blown off to get any insurance claim even though I'd tiles blown off dnd damaged felt underneath Reviewed on: 8th January 2024

Do not open your wallet for Tesco Insurance

Not going into the details, just avoid! Reviewed on: 29th December 2023

Thiefs

Was offered £3,500 for damage to my home didn’t accept as I knew it would cost me double this. I sent estimate of costs which was actually double the offer then was told because my parquet was glued it’ll cause damage to the building (I’m on ground floor) and I’m not entitled to a penny. How can you offer £3,500 then say no you’re not covered. Glue will cause damage to building!!!!!!! Tesco home insurance should be investigated, I’m taking this to the media. Reviewed on: 20th December 2023

Emergency cover useless

The phones are not answered in an emergency . The 3rd party repairs are not friendly .my gas was cut off out of spite rarther than spend 10mins to fix the problem. Cannot get my heating back on as no one answers the phone . Avoid at all costs Reviewed on: 1st November 2023

Awful

Worst customer service I have ever experienced from a financial institute / supplier / insurance company. Everytime you phone up expect to be on hold for at least 45 mins. Expect to be transferred, and put on hold again, during every call. The emergency cover they sell is provided through another party - took 3 months to fix and emergency leak in my home. Staff do not listen and are intent on talking over you resulting in false information / actions. Do not touch! Reviewed on: 18th October 2023

Value for money

The right price for the right cover Reviewed on: 12th October 2023

Renewal notification and pricing

Zero reminder of impending renewal. Premium had doubled. No explanation. Clearly seeking to exploit laziness or otherwise of customers. I know all insurance firms do this, but the brazen attempt to quietly rip me (and I presume plenty of others) off is enough to warrant this review Reviewed on: 12th October 2023

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