I used to use this insurance for a long time for both Home and Contents cover, it was very easy to get a quote online and their rates were very good at the time, also they were very helpful on the telephone when I did not understand certain aspects of the insurance, they talked me through the details with a lot of knowledge and they were very polite.
The cover was set out in precise detail online and when I received my documents through the post all I had to do was sign and send back in a prepaid envelope.
Fortunately I never had to make a claim and so the next year of taking it out, it was lower in price than the previous one, but after the third year to my surprise the rate almost doubled and so I telephoned them and they explained to me their rates were increasing with inflation but because I was a loyal customer they only increased my renewal price to just a few pounds more.
The paper work arrived in a very fast time and everything was correct and in order.
I found them to be the cheapest on the market at the time and I got a discount for taking both insurances out at the same time, which was even better for me as I made a saving on them together.
After the 4th year I changed companies as I found a cheaper deal elsewhere and they could not match it at this time, but they tried their best to find me a cheaper deal but could not.
It can be paid by monthly installments by direct debit or you can make a one off payment for a year, paying monthly they charge a small amount extra added to your annual premium but it is only about 2 or 3 pound, which is better than some finance companies.
They are an excellent organisation and I highly recommend that you give them a try first before anywhere else because they have some very good offers.
There was a choice of excess anywhere from £0 to £200 and the higher amount you chose the lower the premium.
I would highly recommend them and the next time my own expires I will certainly go online and check if they can give me a good price again.
I give this a 5 star rating for efficency and knowledge of their product.
I took out Family Legal Protection and thought I would be covered during an Employment Tribunal case where I had been told independently that I had a very good case. After lots of chasing up, phone calls to Tesco Lawyers who were based in London and only got back to me finally by email, it was obvious that they would not want to take on the case as it would involve too much time and they could not guarantee over 50% success of winning the claim based on very limited criteria. I have gone back to my local solicitor who was very surprised that they were so unhelpful. He states that he has never come across such conditions as the success rate percentage before - surely this is not insurance if it carries with it hidden conditions? I will not be bothering with Tesco again - two members of my family have had similar problems with car insurance with them.
A couple of years ago my girlfriend was due to renew our home contents insurance (well - its her house, our home) and did the usual internet searches and an additional search on Tesco.co.uk. Tesco beat the cheapest quote from the comparison website by around £40 per year, which is a pretty good saving. We live in a 3 bed house and had requested much more that necessary on re- building costs and more than necessary on contents cover, although we do have a lot of electrical equipments and some expensive items of furniture and jewellery.
We were also able to cover her engagement ring which I paid nearly £1500 for, shhhh, don't let her see this, lol and took out accidental damage cover on floors, electrical items and furniture. This also covered the jewellery and both of our watches whilst we were away from the house..... all for around £25o per year, which is an absolute bargain compared to the other quotes we got.
There is a high level of public liability in there too, in case someone where to have an accident in our home, they too would be covered.
The website was really easy to use, they do ask a lot of information and makes severla presumptions (no criminal records, no smokers etc).
She did telephone the customer service departement once we had received the policy as there were a few things she wanted to check with them, add and discuss. They were brilliant, very helpful and speedy in answering the phone. I would have confidence in them should we ever need to claim (and hopefully not).
There wasn't a lot of thinking when I signed up for home insurance with Tesco - I just picked the cheapest provider. Currently I'm paying around £50 a month - obviously this will vary depending on how big your house is, how old your house is and whether you have a no claims bonus.
So far, in my first year, I've had to make one claim. I was on an overcrowded train from Leeds when someone stumbled and kicked my bag. It wasn't until I got home that I realised that the kick had had nasty consequences - my poor laptop had disliked the bump enough that it didn't want to turn on any more.
Luckily, on taking my insurance out I had selected the option that covered electronics outside the home to a value of £1000. My laptop fell well within this, so I called Tesco to explain the situation.
The gentleman I spoke to listened to my sad story, took notes, and arranged for someone to call me back. This happened a couple of days later, and it was arranged that someone would come out, pick my laptop up, and take it back to see if it were repairable or if it needed to be replaced.
I was promised I would hear back within a week. Being impatient, I called back three days later - and was happy to hear that it had already been looked at. It was indeed dead, which meant my policy would replace it as long as I paid my £100 excess. In fact, the laptop they offered - a Toshiba Satellite Pro - was actually a good deal better than my laptop.
I paid my excess over the phone, and delivery was arranged for the new laptop - it was sent to my mum's a couple of days later.
I only have one complaint here. It wasn't until they confirmed the machine was dead that they informed me that having any data on it would cost £50 to retrieve, or I could have the hard drive returned for £100. I do actually possess the skills to retrieve the data from the hard drive myself, and had they informed me of these costs before sending the laptop away I would have done so.
Otherwise well done - very good service!