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.

      The power to lower prices Tesco Clubcard Prices logo.

      What is Home Emergency Cover?

      Home Emergency Cover does what it says on the tin. It covers you for emergency temporary 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.

        Cover

        Essentials

        Home Emergency

        Heating breakdown

            Excluded
              Included

              Pest infestation

                  Excluded
                    Included

                    24/7 emergency helpline

                        Included
                          Included

                          Internal plumbing and drainage

                              Included
                                Included

                                External drainage

                                    Included
                                      Included

                                      Electrical emergency

                                          Included
                                            Included

                                            Security (windows and doors)

                                                Included
                                                  Included

                                                  Roof damage

                                                      Included
                                                        Included

                                                        No excess

                                                            Included
                                                              Included

                                                              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?

                                                                Things like:

                                                                • 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.

                                                                      0345 246 2904*

                                                                      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.

                                                                                  Home Insurance FAQs

                                                                                  We're sorry to hear you're considering cancelling your Home Insurance policy.

                                                                                  To cancel your policy, you will need to call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. Fees will be charged to cancel your policy as per our terms and conditions which can be found in your policy booklet.

                                                                                  You can opt out of automatic renewal at any time. Just sign in to Your Insurance Account or by calling us.

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

                                                                                    How do I get a Home Insurance quote?

                                                                                    You can easily obtain a home insurance quote online by clicking the 'Get a Quote' button and filling in your details or by giving us a call on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. All quotes will be valid for up to 30 days or your chosen start date.

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

                                                                                    Can I retrieve my house insurance quote online?

                                                                                    Yes, you can retrieve your house insurance quote by clicking the 'Retrieve a quote' button and entering your reference number.

                                                                                      Tesco Home Insurance covers mobile phones and tablets for theft within the home. We cover tablets for accidental damage under home entertainment equipment cover. However, mobiles are not covered by this policy. You must add personal possessions cover if you want accidental damage cover for your mobile at home.

                                                                                      Policies that start with TI - £600 (subject to excesses)

                                                                                      Policies that start with QH - £1,500 (subject to excesses)

                                                                                      What’s not covered

                                                                                      • Mechanical or electrical faults or breakdowns.
                                                                                      • The total excess shown in your schedule for every claim.
                                                                                      • Any amount above the maximum claim limit shown on your schedule.

                                                                                      Full terms and conditions can be found in your policy booklet.

                                                                                      You can check if you have or add personal possessions to your policy by signing into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

                                                                                        You can renew your policy by signing in to Your Insurance Account and follow these steps:

                                                                                        After signing in, select the policy and click ‘View renewal’. Check the information is up to date (any errors could leave you without cover and could also affect how much you pay). We’ll then ask if you're happy to renew automatically or want to change your payment details (if you pay in full, we'll take your payment immediately). Confirm your payment details. If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy.

                                                                                        If you pay by Direct Debit, your new payments will start automatically. If you pay annually, we'll automatically take the new payment from the same card you used last year.

                                                                                        If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.

                                                                                        If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.

                                                                                        If your policy is set to automatically renew but you don't want to go ahead, you can make a change by signing in to Your Insurance Account or calling us on 0345 246 2904* Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

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

                                                                                          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.

                                                                                            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

                                                                                                For Home Insurance policies starting before 22 May 2024

                                                                                                  Contact us

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

                                                                                                  Home insurance guides

                                                                                                  If you need help to look after your boiler or keep your home safe in stormy weather, take a look at our home insurance guides.

                                                                                                  Boiler care and maintenance tips

                                                                                                  How to prepare your home for a flood

                                                                                                  How to keep your pipes from freezing

                                                                                                  Escape of water: how to protect your home from leaks