Tesco Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Tesco Insurance suits UK households who want one broker for life, car, home, pet and travel, with premiums from £5. The bundled Tesco Bank credit card adds Clubcard points, though its 24.9% APR is steep for anyone carrying a balance.
Key facts
- Best for
- Bundling UK household cover with a Clubcard credit card under one brand.
- Premium from
- £5↗
- Insurance types
- Auto, Home, Renters, Pet, Travel, Life, Breakdown, Home-emergency, Gadget, Critical-illness↗
- Provider type
- Broker↗
- Monthly payments
- Yes↗
- Excess from
- £0↗
- Cover limit
- Life cover up to GBP 5,000,000↗
- Claims channels
- Phone, Online account, Vet Pawtal↗
- Age range
- 18-77 (Life Insurance); drivers 21 and over (Car Insurance)↗
- Legal entity
- Tesco Personal Finance Ltd↗
- Headquarters
- United Kingdom↗
- Founded
- 1997↗
- Support channels
- Phone, Help-centre↗
- Audience
- Seniors
- Pricing model
- Monthly
- Official website
- tescobank.com
Credit cards
- Annual fee
- £0↗
- APR
- 24.9%↗
- Currency conversion fee
- 2.75%↗
- Rewards type
- Points↗
- Rewards rate
- 5 points per GBP 4 spent at Tesco, 1 point per GBP 8 spent elsewhere, 100 points = GBP 1.00 in vouchers↗
- Balance transfer intro period
- 14 to 36 months↗
- Balance transfer fee
- 0.75% to 3.45%↗
- Perks
- Clubcard points on Tesco and other spending, Tesco Reward Partners voucher exchange, Pay by Bank repayments, Section 75 consumer credit protection, Mobile banking app with lost or stolen card reporting↗
- Card kind
- Credit↗
- Features
- Rewards
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- One broker spans auto, home and renters, from car and home through to pet, travel and life.
- The car insurance excess starts at £0, and pet cover can be paid monthly.
- Life cover runs to Life cover up to GBP 5,000,000.
- Claims can be made through phone, online account and Vet Pawtal.
Cons
- Support runs on phone and help centre, so a question is a phone call or a help centre article.
- The card's 24.9% APR is high, and 2.75% applies on currency conversion for spend abroad.
- It is a broker rather than the insurer, so the entity behind the policies is Tesco Personal Finance Ltd in the United Kingdom.
Who it suits
- UK households placing life, car, home, pet and travel with one broker, with premiums from £5 and monthly payments available.
- Seniors and the families arranging cover for them, as the listed audience is seniors and support sits on phone and help centre.
- Tesco Bank credit card customers who want Clubcard points, a different proposition from the euro accounts at bunq.
Who should look elsewhere
- Euro banking shoppers, since bunq and bunq Spain list a starting premium of €0 while Tesco Insurance is based in the United Kingdom.
- Savers comparing a single product, since Linxea's starting premium of €25 suits a pot rather than a family of household policies.
- Card customers who will carry a balance, because the card charges 24.9% APR.
How Tesco Insurance compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7A savings product starting at €25, which sits closer to a single savings pot than a bundle of household policies.
9.1 vs 9.0
9.1 vs 8.8Priced from €0 in euro, it offers a contrast to a UK broker whose premiums start at £5 in sterling.
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
Where Tesco Insurance is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (186022), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kinds of insurance does Tesco Insurance sell?+
The range is run through a broker and covers auto, home and renters. Monthly payments are available, and pet cover runs on a monthly model, so a household can review its policies in one place rather than across separate providers.
How much life cover can I get?+
Life cover can run to Life cover up to GBP 5,000,000, with premiums starting at £5. The age band sits within 18-77 (Life Insurance); drivers 21 and over (Car Insurance), so the policy stays open well past typical working age for life cover.
What is the car insurance excess?+
The car insurance excess starts at £0. Claims can be made by phone, online account and Vet Pawtal, so a claim can be handled by phone, through the online account, or through the Vet Pawtal service for pet claims.
Who regulates Tesco Insurance?+
Tesco Insurance is a broker, and the entity named in its terms is Tesco Personal Finance Ltd, based in the United Kingdom. It is listed on the Financial Conduct Authority register under 186022, the regulator for the market it serves.
What does the Tesco Bank credit card charge?+
It is a credit card with an annual fee of £0. The standard rate is 24.9% APR, currency conversion costs 2.75%, and a balance transfer runs at 0.75% to 3.45% for 14 to 36.
What rewards does the card give?+
Rewards are points (points), and points build faster on Tesco spending. The card's Clubcard points on Tesco and other spending, Tesco Reward Partners voucher exchange and Pay by Bank repayments also cover voucher exchange through Tesco Reward Partners, Pay by Bank repayments, consumer credit protection and a mobile app for card loss reporting.
How do I get help or make a claim?+
Support runs on phone and help centre, so a question is answered by phone or through the help centre. Claims have their own routes, with phone, online account and Vet Pawtal covering phone, the online account and the Vet Pawtal service.
Who is Tesco Insurance aimed at?+
The listed audience is seniors, and the age band appears in 18-77 (Life Insurance); drivers 21 and over (Car Insurance), with drivers covered from a minimum age. The provider operates as a broker, so the policies sit with the underwriter and the legal entity is Tesco Personal Finance Ltd.
Sources
- tescobank.com/corporate checked September 26, 2026
Backs: Founded
“We began life in 1997 and now help more than 3 million customers to manage their money a little better every day.”
- tescobank.com/credit-cards checked September 26, 2026
Backs: APR, Balance transfer fee, Balance transfer intro period, Card kind, Features, Perks, Rewards rate, Rewards type
“Balance Transfer and Purchases Credit Card - Representative rate (variable) 24.9% APR”
- tescobank.com/credit-cards/charges-fees-interest checked September 26, 2026
Backs: Annual fee, Currency conversion fee
“Annual and monthly fees - Clubcard Credit Card: No fee.”
- tescobank.com/insurance checked September 26, 2026
Backs: Audience, Insurance types
“Over 50's Car Insurance ... Travel Insurance for seniors”
- fca.org.uk/firms/financial-services-register checked September 26, 2026
Backs: Licences
- tescoinsurance.com/car-insurance checked September 26, 2026
Backs: Claims channels, Excess from
“24-hour online accident reporting via Your Insurance Account ... we also have our UK-based accident helpline open 7 days a week”
- tescoinsurance.com/help/contact-us checked September 26, 2026
Backs: Support channels
“Call us with all your questions ... Help and support centre ... All FAQs”
- tescoinsurance.com/help/site-terms checked September 26, 2026
Backs: Headquarters, Legal entity
“Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ”
- tescoinsurance.com/life-insurance/decreasing-term-life-in... checked September 26, 2026
Backs: Age range, Cover limit, Provider type, Premium from
“Be aged between 18 and 77 years old”
- tescoinsurance.com/pet-insurance checked September 26, 2026
Backs: Pricing model, Monthly payments
“Pay premiums by monthly Direct Debit. It won't cost any more.”
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Tesco Insurance
Bundling UK household cover with a Clubcard credit card under one brand.