Help for Life Insurance customers.
Get help and support online. Or find out how to contact Aviva, our life insurance provider.
How to make a Life Insurance claim
You can make a claim online with Aviva, the underwriter for Tesco Life Insurance. Or you can give them a call.
Manage your policy with the MyAviva app
You can manage your Life Insurance policy easily with the MyAviva app.
Get the app for iPhone or Android and you can:
- Check your cover and policy detailsCheck your cover and policy details
- Make changes to your policy - without paying an admin feeMake changes to your policy - without paying an admin fee
Note: when you download the app for the first time, you’ll need to register for MyAviva before you can log in. You can do this online or in the app.
Apple Touch ID and Face ID are available on selected Apple devices. Android Fingerprint is available on selected Android devices. Not all features and services in the app are currently available for every product. The MyAviva app is not currently available in the Isle of Man. Mobile data charges may apply.
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).
Aviva DigiCare+ app
With the Aviva DigiCare+ app, you can start using a range of health and wellbeing services, at no extra cost, when you take out your policy.
Members of your family can use it too, as long as they're eligible.
The Aviva DigiCare+ app is provided by Square Health. The services are provided by Square Health and other selected partners.
You'll find full details about the services in the app, along with the terms and conditions, residency restrictions and privacy policy.
Aviva DigiCare+ is a non-contractual benefit that could be changed or withdrawn by Aviva at any time. So, it won't appear in any contract you've signed, or in any terms and conditions.
Life Insurance policy booklets
Please check the policy documents to make sure the cover you’ve chosen meets your needs.
The policy booklet and product information documents tell you about the benefits, limitations and exclusions that’ll apply to your cover.
The Big Win - £100 Tesco Gift Card
Terms and conditions
- You’ll get a £100 Tesco Gift Card once you’ve paid 6 months’ premiums, if you have a current Tesco Life Insurance policy.You’ll get a £100 Tesco Gift Card once you’ve paid 6 months’ premiums, if you have a current Tesco Life Insurance policy.
- Customers are entitled to one Tesco Gift Card per policy.Customers are entitled to one Tesco Gift Card per policy.
- We'll send your Tesco Gift Card to the email address you used when applying for your Tesco Life Insurance policy.We'll send your Tesco Gift Card to the email address you used when applying for your Tesco Life Insurance policy.
- Tesco Gift Cards should be treated like cash. Lost or stolen cards can’t be replaced.Tesco Gift Cards should be treated like cash. Lost or stolen cards can’t be replaced.
- You'll get an e-gift card, which can be used in any UK Tesco store. Please note, your Tesco Gift Card can’t be used in Tesco Petrol Stations.You'll get an e-gift card, which can be used in any UK Tesco store. Please note, your Tesco Gift Card can’t be used in Tesco Petrol Stations.
- Tesco’s change of mind policy does not apply to gift cards. If you change your mind, you can’t return your Tesco Gift Card for a refund. Your legal rights are not affected.Tesco’s change of mind policy does not apply to gift cards. If you change your mind, you can’t return your Tesco Gift Card for a refund. Your legal rights are not affected.
- Your Tesco Gift Card and balance will expire five years after the date you activated your card, or the date you last used your card, whichever comes later.Your Tesco Gift Card and balance will expire five years after the date you activated your card, or the date you last used your card, whichever comes later.
- Damaged, altered or cancelled cards won’t be accepted as payment.Damaged, altered or cancelled cards won’t be accepted as payment.
- Your Tesco Gift Card can’t be used to buy another Tesco Gift Card, or to buy other gift cards sold in-store or online at tescogiftcards.com. Your Tesco Gift Card can’t be used to buy another Tesco Gift Card, or to buy other gift cards sold in-store or online at tescogiftcards.com.
- We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.
Little Life Helps - Tesco shopping benefits
Terms and conditions
- You’ll get money-off coupons to spend on your Tesco shopping for one year, starting from the date you get your first coupon.You’ll get money-off coupons to spend on your Tesco shopping for one year, starting from the date you get your first coupon.
- You’ll need to have the Tesco app on your mobile phone and be opted in to marketing.You’ll need to have the Tesco app on your mobile phone and be opted in to marketing.
- The coupons will appear automatically in your Tesco app.The coupons will appear automatically in your Tesco app.
- You'll get up to 5 Tesco coupons throughout the year, which could include £15 off your total shop and £5 off fruit & veg.You'll get up to 5 Tesco coupons throughout the year, which could include £15 off your total shop and £5 off fruit & veg.
- We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.We reserve the right to amend, modify or terminate this offer from time to time, at our sole discretion, and without prior notice.
Tesco Life Insurance is provided, administered and underwritten by Aviva Life & Pensions UK Limited.
Aviva have a 5-star rating for life insurance from Defaqto. And they pay out on 98.8% of life insurance claims*.
*Aviva UK individual claims report 2025, based on claims paid in 2024.
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 cover 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 find out more about the different types of life insurance in our guide - Types of life insurance explained.
With Tesco Life Insurance, you can choose from 2 options: Family Protection (Level Cover) or Mortgage Protection (Decreasing Cover). And they’ll pay out if you die, or become terminally ill, during the term of the policy.
Family Protection, also called Level Cover, lets you leave a cash lump sum, which can help your loved one with living expenses if you’re no longer around to look after them.
Mortgage Protection, also known as Decreasing Cover, can help to pay off a 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.