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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)

Terrible company just want more money even if the mistake is theirs

Tried to make a claim for an incident but before I could had to pay an extra premium including £25 admin fees because they didn’t ask me for certain information on the application form with GoCompare. Made me feel like a liar, which I am not. If you don’t ask me and you don’t allow me to enter information on your application form. How can you justify charging me for YOUR mistake. I would stay away from this company. They will now lose me in all aspects of Tesco’s business name. I won’t be shopping with insuring or a banking with these people again for such a blatant and dishonest practice. Also they may want to get there systems improved. From what I gather they have a LOT of Computer Problems. Reviewed on: 2nd June 2022

Fantastic service

I was an idiot and accidently dropped one of my airpods down the sink. I called up Tesco bank and within 15 minutes total (after sending receipts, serial numbers etc) they'd accepted the claim. No excess (as it was accidental loss) and the money was in my account within 48 hours. Highly recommended! Reviewed on: 15th April 2022

storm damage not covered

Tesco insurance decided to define storm damage: It must be due to a SINGLE VIOLENT EVENT where the wind reaches 55MPH (which is storm force 10 on the beaufort scale) whereas the Beaufort scale makes it clear that structural damage can occur at lower wind speeds. A claim will be summarily rejected unless the wind reaches.Clearly this small print will allow Tesco to reject almost every claim. Some other more reasonable insurance companies use a weaker wind strength without the need for it to be a single event. Reviewed on: 24th February 2022

What a shambles - avoid

Tesco marketing is a well-oiled machine when they take your money BUT when you need to claim Tesco/AXA cannot be contacted - ever. Will not be renewing my policy with Tesco but returning to Direct Line who are far more accessible when stuff happens. Insurance is only worth the paper it's written on when you need to claim. Tesco ... concentrate on selling spuds and don't diversify until you can handle it. Reviewed on: 21st February 2022

underwritten by axa and when I went to claim axa had no record of my policy!

disgusting service by tesco, roof was damaged by storm eunice and as I sit here my roof has a gaping hole in it and I'm on hold again to tesco and axa, axa have no record of my policy but tesco say my policy is active, axa say to speak to tesco and tesco say I need to speak to axa!! Reviewed on: 18th February 2022

Easy to use website

Bought home insurance via Tesco bank online. The process was efficient due to the easy to use website. Questions asked were clear. Documents regarding the insurance were emailed in a timely manner. Reviewed on: 4th February 2022

Avoid this scam

When I claim, Tesco Home Insurance tried every excuse to pay me to fix the doors, after their interrogations through the phone, suddenly they told me your insurance has been canceled. They are just a scam avoid them! Reviewed on: 13th January 2022

Great until you want to claim

Full of praise until you want to claim ,come up with every excuse possible wind not strong enough rain not enough STAY CLEAR Reviewed on: 14th December 2021

Queries about possible changes to policy

I recently called about my Tesco Bank Home Insurance because we were "thinking about" a holiday away for over 60 days. The emphasis is on the "thinking about". I was told by the advisor that he would call me back the next day or on the Monday after the weekend. However, a week later I hadn't heard back but assumed he was busy and decided to give him a further few days. I then received an email saying my policy would be cancelled in 7 days. I called them, only to find that because I had told them "I would be away for over 60 days" (wrong) that they would cancel the policy. At the moment this is under review because I explained that it was only a query, not fact. Perhaps if the advisor had listened to my query first they wouldn't have made that mistake. I am having second thoughts about using them now so we will have to see how this goes over the next week or so. Reviewed on: 16th August 2021

Home Insurance Emergency Cover

Apparently a shower that does not turn off is not considered an emergency. So we can either run the shower permanently and risk flooding (not to mention the waste of precious water) or we can switch off the water supply to our property in today’s 30 degrees heat ! So my advice would be don’t pay for the Emergency Cover because I think, like us, you will find a very limited interruption of what an “emergency” is when you come to claim. Reviewed on: 26th July 2021

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