Family Legal Guard.

Add family legal protection to your Tesco Home Insurance policy. Get up to £100,000 in legal expenses to help you and your family with personal injury claims and legal disputes.

Family Legal Guard is underwritten by AmTrust Specialty Limited.

Home Insurance with family legal protection

Need to make a legal claim, but the cost is stopping you? Our family legal protection could help.

With Family Legal Guard, you can get the legal and personal support you need to pursue or defend your rights in a range of personal legal disputes.

    Why add Family Legal Guard to your policy?

    • Up to £100,000 of legal expenses insuranceUp to £100,000 of legal expenses insurance
    • Cover for you and your familyCover for you and your family
    • Help with a range of personal legal disputesHelp with a range of personal legal disputes
    • 24/7 legal helpline24/7 legal helpline
    • Easy online access with ready-to-use legal templatesEasy online access with ready-to-use legal templates
    • No excess to payNo excess to pay
    • Save money on Family Legal Guard with your ClubcardSave money on Family Legal Guard with your Clubcard
      The power to lower prices Tesco Clubcard Prices logo.

      What’s covered by our family legal protection?

      Family Legal Guard helps to cover the cost of your legal expenses for:

      • Personal injury claims, where someone else was to blame for the accidentPersonal injury claims, where someone else was to blame for the accident
      • Clinical negligenceClinical negligence
      • Employment disputesEmployment disputes
      • Contract disputesContract disputes
      • Property disputesProperty disputes
      • Tax investigationsTax investigations
      • Legal defence, including a motoring prosecution or inheritance disputeLegal defence, including a motoring prosecution or inheritance dispute
      • Loss of salary through Jury Service attendanceLoss of salary through Jury Service attendance

      For full details of cover, exclusions, monetary limits and terms, please see our Home Insurance policy documents.

        What’s not covered by our family legal protection?

        Things like:

        • Any legal issue that began before the policy startedAny legal issue that began before the policy started
        • Claims that are less than 51% likely to succeed are usually not coveredClaims that are less than 51% likely to succeed are usually not covered
        • If the dispute amount is less than the advisers’ costsIf the dispute amount is less than the advisers’ costs

        For full details of cover, exclusions, monetary limits and terms, please see our Home Insurance policy documents.

          Is Family Legal Guard included as standard?

          You can add Family Legal Guard when you buy or renew a Tesco Home Insurance policy. It can help to reassure you, to know you’ll get help if you’re involved in a personal legal dispute that happened after the policy started.

          Family Legal Guard is an optional extra and there’s an additional cost.

            For new customers

            You can add Family Legal Guard when you get a quote and buy a Home Insurance policy.

              For existing customers

              When we send you the renewal documents for your Home Insurance policy, Family Legal Guard will be shown as an option for your renewal.

                Our Home Insurance options

                Find the right cover to protect the place you call home. And save money with your Clubcard.

                Contents Insurance

                Covers the things you own in the house, garage, shed and garden. Suitable for homeowners and renters.

                  Buildings Insurance

                  Covers the house you own, the permanent fixtures inside it, and your garage and outbuildings. Suitable for homeowners.

                    Combined Home Insurance

                    Covers your building and contents in a single policy, which can be cheaper. Suitable for homeowners.

                      Home Insurance optional extras

                      Explore more optional extras available with Tesco Home Insurance.

                        Home Emergency Cover

                        Choose our Essentials option or Full Cover. Both come with 24/7 support for plumbing, electrical and security issues, and more.

                        Home Emergency cover is underwritten by Inter Partner Assistance S.A.

                          Help for Home Insurance customers

                          If you’re already a Tesco Home Insurance customer, find out how to manage your policy, check your documents or make a claim.

                          Important information

                          Tesco Home Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.

                            Home Emergency cover is underwritten by Inter Partner Assistance S.A.

                            Family Legal Guard is underwritten by AmTrust Specialty Limited.

                              Before you buy your Tesco Home Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.

                                For Home Insurance policies starting on or after 29 September 2025:

                                  For Home Insurance policies starting on or before 28 September 2025:

                                    Data may be obtained from and shared with the wider Tesco Group, credit reference agencies and fraud prevention agencies on an ongoing basis. Information on how your data is collected and how your personal data is used (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice.

                                      How we collect and use your personal data

                                      Tesco Personal Finance Ltd and the insurer who may underwrite your policy take the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our privacy notice.

                                      We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase; or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.

                                      We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out financial and insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.

                                      We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.

                                      Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK Residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you on an ongoing basis.

                                      By proceeding with your application you acknowledge we can use your data in this way.

                                      Please see our privacy notice if you would like to know more.

                                        For cancellation rights and the refunds that apply or for any charges which may apply should you need to make changes or cancel your policy, please view the link below and the cancellation section of your policy booklet.

                                          Family Legal Guard FAQs

                                          Family Legal Guard provides up to £100,000 in legal expenses to help with personal injury claims and legal disputes.

                                          It covers you and any member of your family who live with you permanently in the same home.

                                            As well as your benefits, Family Legal Guard comes with some easy-to-use tools to help with personal legal matters.

                                              Document templates

                                              You can download over 45 legal document templates to help with specific legal disputes. For example:

                                              • Complaints to the councilComplaints to the council
                                              • Parking fine disputesParking fine disputes
                                              • Credit file requestsCredit file requests

                                              Legal advice tree

                                              You can use the legal advice tree to get answers to your questions and help to make decisions. It’s an interactive guide that gives you legal guidance without the need to call for help.

                                                Callback service

                                                If you need more help than the advice tree can give you, you can phone and ask for a callback from a specialist legal adviser. You’ll find full details in our Family Legal Guard policy booklet.

                                                  If you have Family Legal Guard, you can call the Legal Helpline or claims line 24/7 to get the help you need. Or you can make a claim online.

                                                    Family Legal Guard - Legal Helpline

                                                    0345 030 3182*

                                                    Family Legal Guard - claims line

                                                    0345 030 3183*

                                                    Make a claim online

                                                    Online claims portal

                                                    *This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                      Contact us

                                                      Need to talk to someone about Home Insurance? Our friendly, UK-based customer service team is here to help.