Home Emergency Cover.
Add Home Emergency Cover to your Tesco Home Insurance policy. Get 24/7 support for a range of emergency repairs - from plumbing to electrical and security, and more.
Home Emergency Cover is underwritten by Inter Partner Assistance S.A.
Upgrade your home cover
Broken boilers, newly-sprung leaks. Life can be full of curveballs.
Upgrade your home cover and get help with the unexpected - any time of the day or night. Our Home Emergency Cover offers homeowners extra cover for a range of emergency repairs.
What’s more, Home Emergency Cover comes with Clubcard Prices.
What is Home Emergency Cover?
Home Emergency Cover does what it says on the tin. It covers you for emergency repairs at home. And it provides support 24 hours a day.
So, if a pipe bursts in the middle of the night, you won’t wake up to a flooded home.
Home Emergency Cover is only available if you own your own home.
Compare Home Emergency Cover levels
See what’s included with our Essentials and Full Home Emergency cover.
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Cover |
Essentials |
Home Emergency |
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24/7 emergency helpline |
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Internal plumbing and drainage |
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External drainage |
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Electrical emergency |
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Security (windows and doors) |
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Roof damage |
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Heating breakdown |
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Pest infestation |
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No excess |
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Why add Home Emergency Cover to your policy?
- Choose from 2 levels of cover - Essentials or Full Home Emergency - depending on what suits your individual needs.Choose from 2 levels of cover - Essentials or Full Home Emergency - depending on what suits your individual needs.
- 24-hour support. We'll offer you a temporary repair for a range of home emergencies. From plumbing, security, drainage and loss of power to problems with your heating, boiler and pests.24-hour support. We'll offer you a temporary repair for a range of home emergencies. From plumbing, security, drainage and loss of power to problems with your heating, boiler and pests.
- Up to £1,000 worth of cover per call out.Up to £1,000 worth of cover per call out.
- Unlimited call outs.Unlimited call outs.
- No excess to pay.No excess to pay.
- Save money on Home Emergency Cover with your Clubcard.Save money on Home Emergency Cover with your Clubcard.
For full details of cover, exclusions, monetary limits and terms, please see our Home Emergency policy documents.
What’s not covered by Home Emergency Cover?
- A lack of general maintenanceA lack of general maintenance
- Any issue that’s a result of wear and tearAny issue that’s a result of wear and tear
- Problems that started before your policy beganProblems that started before your policy began
- Cover for leaking tapsCover for leaking taps
- Breakdowns of ‘white goods’, like washing machines, fridges or dishwashersBreakdowns of ‘white goods’, like washing machines, fridges or dishwashers
- Pests like bees, birds, flies and spidersPests like bees, birds, flies and spiders
Is Home Emergency Cover included as standard?
If you're a homeowner, you can add Home Emergency Cover when you buy a Tesco Home Insurance policy. Or you can add it on later.
Home Emergency Cover is an optional extra and there’s an additional cost.
Is Home Emergency Cover worth it?
Home Emergency Cover can help to give you peace of mind, knowing you’ll get help when you need it most.
Repairs and call-out charges could be expensive without cover, especially in an emergency. And having extra cover means you won’t have to wait to get things fixed.
For new customers
You can add Home Emergency Cover when you get a quote and buy a Home Insurance policy.
For existing customers
If you already have Tesco Home Insurance, please call us to add Home Emergency Cover to your policy. You won’t need to pay an admin fee for this.
Lines are open Monday to Friday 8am-8pm, Saturday and Sunday 9am-2pm.
If you have difficulties with your hearing or speech, you can contact us through the Relay UK app from BT. Find out how to use Relay UK.
Calls may be recorded.
*This number may be included as part of any inclusive call minutes provided by your phone operator.
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.
Family Legal Guard
Provides up to £100,000 in legal expenses. To help you or your family with personal injury claims, contract and employment disputes, and more.
Family Legal Guard is underwritten by AmTrust Specialty Limited.
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.
You’ll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.
Home Emergency cover is underwritten by Inter Partner Assistance S.A.
Before you buy Tesco Home Insurance, it’s best to check the policy documents and make sure the policy you’ve chosen meets your needs.
The policy booklet and product information documents outline the benefits, limitations and exclusions that’ll apply to your cover.
For Home Insurance policies starting on or after the 22 May 2024
Home Insurance Policy Booklet (633KB, pdf)
Home Emergency Cover Policy Booklet (269KB, pdf)
Family Legal Guard Policy Booklet (220KB, pdf)
For Home Insurance policies starting before 22 May 2024
Home Emergency Cover FAQs
Tesco Home Emergency Cover is only suitable for homeowners. It doesn't cover you if you live in a rented home, and you shouldn’t need to take out this kind of cover if you don’t own the property.
If you rent your home, emergency repairs are part of your landlord’s duty of care. That means they’re your landlord’s responsibility.
Our Home Emergency Cover (Full Cover) includes cover for the following pests:
- Rodents: rats, mice and grey squirrelsRodents: rats, mice and grey squirrels
- Insects: wasps and hornetsInsects: wasps and hornets
The infestations must be inside your home or directly affecting your living space.
What’s not covered:
- Pests including ants, bees, birds, flies, fleas, cockroaches and spidersPests including ants, bees, birds, flies, fleas, cockroaches and spiders
- Pests found outside your home - for example, in the garden or on a boundary. Unless they’re making your home uninhabitable or unsafe.Pests found outside your home - for example, in the garden or on a boundary. Unless they’re making your home uninhabitable or unsafe.
If you have our Essentials Home Emergency cover, you won’t be covered for pest infestations.
Our Essentials Home Emergency and Home Emergency Cover both provide the following:
- Up to £1,000 worth of cover per call out. This includes labour, parts, materials and VAT.Up to £1,000 worth of cover per call out. This includes labour, parts, materials and VAT.
- 24-hour Home Emergency claims service, ready to help day or night.24-hour Home Emergency claims service, ready to help day or night.
- No excess to pay and unlimited number of call outs.No excess to pay and unlimited number of call outs.
However, some of the home emergencies you’re covered for depend on the level of cover you have.
Essentials Home Emergency - what’s covered?
- Failure of your internal electrical wiring.Failure of your internal electrical wiring.
- Repairing or making your home secure after a security incident.Repairing or making your home secure after a security incident.
- Plumbing and drainage emergencies.Plumbing and drainage emergencies.
- A roof emergency. This is damage caused by a storm or bad weather that’s made water leak into your home.A roof emergency. This is damage caused by a storm or bad weather that’s made water leak into your home.
Home Emergency Cover (full cover) - what's covered?
- All of the essential features listed above.All of the essential features listed above.
- Breakdown or failure of your main source of heating (gas, oil or electrical central heating).Breakdown or failure of your main source of heating (gas, oil or electrical central heating).
- Pest infestation.Pest infestation.
Full terms, exclusions and conditions can be found in our Optional Extras Policy Booklets.
If you have Home Emergency Cover, you can make a claim 24/7 in one of the following ways:
- Use the Home Manager to do it quickly and easily onlineUse the Home Manager to do it quickly and easily online
- Scan the QR code in your policy bookletScan the QR code in your policy booklet
- Call 0330 123 1963*.Call 0330 123 1963*.
Contact us
Need to talk to someone about Home Insurance? Our friendly, UK-based customer service team is here to help.