Free Parent Life Cover
Get free life insurance, provided by Aviva, to help protect your young family. No catch. Just a little help from Tesco Insurance.
Provides cover of £15,000 for each parent, for each child under 4, for 12 months.
Free Parent Life Cover is provided, administered and underwritten by Aviva Life & Pensions UK Limited.
Win £100 with your Free Parent Life Cover!
You could be in with a chance of winning 1 of 5 Tesco Gift Cards worth £100. All you need to do is sign up for Free Parent Life Cover by 11 October 2026. And we'll enter you into our prize draw. Clubcard required. T&Cs apply.
Why sign up for Free Parent Life Cover?
Free parent life insurance
£15,000 for each parent, for each child under 4, for 1 year.
Sign up easily online
Only a few questions. And it takes less than 2 minutes.
Get instant life cover
You’ll have your life insurance policy straight away.
What is Free Parent Life Cover?
With this policy, you’ll get free parent life insurance to help protect your young family.
Each parent can get:
- A policy for each child under 4 years old A policy for each child under 4 years old
- £15,000 of life cover per policy £15,000 of life cover per policy
- Protection for 12 months Protection for 12 months
So, if a parent dies during their year of free cover, a payout could be made for each of their children under 4.
Check if you’re eligible
You can sign up for Free Parent Life Cover if you meet the conditions below.
You're aged between 18 and 66 and live permanently in the UK.
You have a child under 4 years old and you're named as a parent on their:
- birth certificate birth certificate
- full adoption certificate full adoption certificate
- special guardianship order special guardianship order
or
- final residence order final residence order
You have not been diagnosed or treated for cancer within the last 12 months.
(Cancer includes leukaemia and lymphoma.)
You've not taken this policy out for the same child before.
You can sign up until the day before your child's 4th birthday. And your free cover will last for a full 12 months from the day you sign up.
Is Free Parent Life Cover really free?
Yes. Free Parent Life Cover is completely free.
Without paying a penny, you can take the first step to protecting your family in case you can’t be there for them.
You don’t even have to give your bank details.
Your options with Free Parent Life Cover
You can just take out your free cover on its own for now, if you want to. But you’ve got other options as well especially if you want more cover
Here’s what you can do:
1. Sign up for Free Parent Life Cover only
2. Take out Free Parent Life Cover alongside any life insurance policy you already have
3. Buy a paid policy at the same time - like Tesco Life Insurance, which offers cover up to £5million, more flexibility and Tesco shopping benefits. T&Cs apply.
If you go for the first option, you can move from free parent life insurance to a paid policy when your free cover ends.
Free parent life insurance and Tesco Life Insurance
Take the first step to protecting your young family. And think about more protection for your family's future.
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Free Parent Life Cover |
Tesco Life Insurance |
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£15,000 cover |
Cover up to £5 million |
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Free. No bank details needed. |
Starts from only £5 a month. The actual cost depends on your cover and individual circumstances. |
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Short-term cover for 12 months |
Choose a policy term between 5 and 50 years. |
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Save money with your Clubcard. Not a Clubcard member? Join today. |
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For parents aged between 18 and 66 with children under 4 years old. |
For adults aged between 18 and 77. |
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Both parents can have an individual policy for each of their children under 4. |
You can apply for a single or joint policy. |
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Choose Family Protection or Mortgage Protection. |
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Cover is 5-star rated by Defaqto. |
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Comes with: T&Cs apply. |
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Comes with Aviva DigiCare+, a health and wellbeing service from Aviva. Including: Note, this isn’t part of your cover and can be amended or withdrawn at any time. |
Learn more about Tesco Life Insurance
Choose Tesco Life Insurance to provide financial support for your family and save money with your Clubcard.
You’ll get a Tesco Gift Card worth up to £150 and money-off coupons to help you spend and save at Tesco.
Tesco Gift Card and shopping benefits T&Cs apply.
What isn’t covered with Free Parent Life Cover?
Here’s a few things to bear in mind when you sign up. To find out exactly what you’re covered for, it’s always best to check the policy documents.
Free Parent Life Cover is provided by Aviva Life & Pensions UK Limited.
When Aviva won’t pay out
- If you don’t answer their questions honestly Make sure you fill in the application form accurately and honestly. If you don’t, it could invalidate your claim. If you don’t answer their questions honestly
Make sure you fill in the application form accurately and honestly. If you don’t, it could invalidate your claim. - If you die from alcohol or drug abuse Alcohol abuse and non-prescribed drug overdose aren’t covered. If you die from alcohol or drug abuse
Alcohol abuse and non-prescribed drug overdose aren’t covered. - If you die from suicide Suicide or intentional, self-inflicted injury aren’t covered. If you die from suicide
Suicide or intentional, self-inflicted injury aren’t covered. - If you move abroad Aviva can only cover you if you live in the UK. If you move abroad
Aviva can only cover you if you live in the UK.
Help for Life Insurance customers
Find out how to manage your policy or make a claim if you have a Free Parent Life Cover or Tesco Life Insurance policy.
Frequently asked questions
If you’ve got a mortgage, it might be a good idea to get life insurance. If you die during the term of the policy, the lump sum can help to pay off the outstanding balance on your mortgage, so your family can stay in their home. Some lenders strongly recommend taking out life insurance as part of their mortgage offer.
Mortgage Protection, also known as decreasing term life insurance, is built with mortgages in mind. And it’s one of the options with Tesco Life Insurance.
You can learn more about life insurance and mortgages in our guide - Do you need life insurance for a mortgage?
With Tesco Life Insurance, you can have more than one policy. However, if your total cover is high, Aviva, our life insurance provider, might need to do a more in-depth financial assessment to make sure they’re insuring you for the right amount.
There isn’t an average monthly cost. The price you pay for life insurance depends on: the type of policy, how much you’re covered for, the term of the policy, and the things your insurer will want to know about you, like your age and health.
Tesco Life Insurance starts from only £5 a month. And, whatever your monthly premium, you’ll get a discount with your Clubcard.
Getting life insurance to meet your needs depends on your own individual circumstances. For example, if:
- you’re married or have a partneryou’re married or have a partner
- you have childrenyou have children
- you’ve got a mortgageyou’ve got a mortgage
You can learn about the different types of life cover in our guide - Types of life insurance explained.
With Tesco Life Insurance, you can choose from 2 options:
- Family Protection - level term life insurance (level cover)Family Protection - level term life insurance (level cover)
or
- Mortgage Protection - decreasing term life insurance (decreasing cover)Mortgage Protection - decreasing term life insurance (decreasing cover)
They both pay out if you die, or become terminally ill, during the term of the policy. But the payout goes towards different things.
Family Protection
With level cover, you can leave a cash lump sum to your loved ones. This can help to cover things like living costs or university fees if you’re no longer around to look after them.
Mortgage Protection
Decreasing cover can help to pay off a repayment mortgage. So your family can continue to live in their home after you’re gone.
You can learn more about life insurance and mortgages in our guide - Do you need life insurance for a mortgage?
Get in touch
Need to talk to someone about Tesco Life Insurance? Our partners at Aviva will be happy to help.
Life insurance guides
Important information
About Tesco Life Insurance
Tesco Life Insurance is arranged, administered and underwritten by Aviva Life & Pensions UK Limited.
Tesco Personal Finance Ltd acts as an introducer to Aviva Life & Pensions UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Member of the Association of British Insurers. Firm Reference Number 185896.
Aviva Life & Pensions UK Limited. Registered in England & Wales No. 3253947. Registered Office: Aviva, Wellington Row, York, YO90 1WR. Tesco Personal Finance Ltd and Aviva Life & Pensions UK Limited. are not part of the same corporate group.
About Tesco Insurance
Tesco Insurance is a trading name of Tesco Personal Finance Ltd, Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ (registered in Scotland, no SC173199) which is authorised and regulated by the Financial Conduct Authority (register no. 186022).
Key policy documents
The policy booklet and product information documents tell you about the benefits, limitations and exclusions that’ll apply to your cover.
£100 Prize draw - terms and conditions
1. This prize draw is open to all UK residents (England, Scotland, Wales and Northern Ireland) aged 18-66, that have a Clubcard except for anyone directly connected with the planning or administration of the prize draw.
2. To enter visit tescoinsurance.com/free-parent-cover or scan the QR code and sign up to Free Parent Life Cover by completing the form.
3. The prize draw opens at 00.01 on 25th September and closes at 23.59 on 11th October.
4. Entries that are incomplete, corrupted, delayed, wrongly delivered, or not received for whatever reason will not be accepted.
5. Everyone who meets the entry criteria will be placed into the prize draw. Entries are not judged.
6. One entry per person. If you enter more than once, we’ll accept your first entry only and disqualify all other entries.
7. No third party or bulk entries. If it becomes apparent that either a participant or household is using any means to circumvent this condition such as, and without limitation, multiple accounts, multiple reproduced or computer generated entries, fraudulently falsifying data, in the opinion of the promoter or otherwise acting in violation of these terms, these participants will be disqualified and any prize entitlement will be void.
8. The entry instructions form part of the rules. By entering, you agree to accept and be bound by the rules.
9. The winners of the prize draw will be the first 5 entries randomly selected from all entries that meet the criteria by an independently verified computer generated system.
10. Each winner will receive one £100 Tesco Gift Card, sent via email.
11. There is no alternative to the prize stated and we cannot send the prize to anyone else only the winner.
12. The winners will be sent their Gift Card by email within 28 days of the closing date. If we cannot contact a winner first time, we will try one further time.
13. Where we suspect that an individual has breached these T&Cs we reserve the right to verify the winner and ask for proof of identity, age and address and that they are the registered user associated with the winning notification.
14. As part of the prize draw we collect the following personal data: name, email address, phone number, address & post code.
15. We reserve the right to amend this prize draw in the event of unavoidable circumstances that are beyond our control and it would be unfair to the original entrants not to make the change, or they would not be disadvantaged by it. In these circumstances there will be no liability to any party (including third parties).
16. The promoter’s decision is final and binding. No correspondence will be entered into.
17. The application and interpretation of these terms and conditions shall be governed by the law of England and Wales and the courts of England and Wales shall have exclusive jurisdiction in relation to any dispute concerning them.
18. The Promoter is Tesco Personal Finance Ltd, Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ (registered in Scotland, no SC173199) which is authorised and regulated by the Financial Conduct Authority (register no. 186022).