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Get 3,500 Clubcard points (8,400 Avios) for taking out £15 of Tesco Life Insurance

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It’s back – the most (in)famous of Tesco’s regular bonus Clubcard promotions!

Five years ago, Tesco Life Insurance was a licence to print Avios (or BA Miles, as they were then).  You got 4,500 Clubcard points per policy, you could take out as many policies as you wanted, and you only needed to make one £5 payment before you received the points.  Happy days indeed!

The offer today comes with a longer list of terms and conditions.  It still represents good value, though.

This Tesco webpage is your starting point.

And here are the key things you need to know:

  • This promotion is only available to the under-50’s – if you are over 50 you need to apply for their separate over-50’s policy which has a £7 per month minimum premium
  • You must pay three monthly premiums (the lowest is £5) before you qualify for the points.
  • You must be over 18 and a UK resident
  • You may be asked to go for a medical before you policy is accepted if you disclose any existing health conditions.  Even if you disclose no previous health issues, you may be randomly selected to attend a medical.
  • There is quite a bit of paperwork associated with this promotion.

The application form is here and you need to use code LIFE50PTSP1 when applying.

(Do not be confused by the separate Critical Illness policy which also offers 3,500 points.  That carries more risk of a medical examination and has separate terms and conditions, one of which is that Tesco can take back your points if you cancel within 6 months.  Stick to Life Insurance.)

Enter £5 per month as the amount you want to pay, and select a short period of, say, 5 years for the policy.  (You can still cancel at any time.  However, the price is locked in for the period you select.)

All in all, it is a very good deal.  Even at the basic Clubcard to Avios conversion rate, you will receive (3,500 x 2.4 =) 8,400 Avios for your £15 of premiums.  The downside is the paperwork you need to complete, of course.

The closing date for applications under this offer is 21st May.

How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (April 2024)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.

SPECIAL OFFER: Until 12th May 2024, the Capital on Tap Business Rewards Visa card is offering a bonus of 30,000 points, convertible into 30,000 Avios. You must have a Limited Company to apply. Click here to learn more and click here to apply.

Capital on Tap Business Rewards Visa

Huge 30,000 points bonus until 12th May 2024 Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Category

Tesco Clubcard

Comments (41)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Steve says:
    3 Mar3 March 10:07

    Is anyone else having problem with the site? Clicking “Get a quote” on the initial page didn’t work for me on IE. Tried google Chrome and got past that, filled in detail, clicked “get quote”, it took forever to load and when it did I got some error page leading me to a staff log in page. Tried 3 times now and it’s done that everytime.

  • Myer says:
    3 Mar3 March 10:32

    The website must be overloaded with applications, due to the promo!

    I got all the way to paments, entered my bank details and then after a few minutes got the IFA / staff login page. So I don’t know if my policy has been activated. Tried phoning but there is a recorded message saying that they are unable to take the call at this time.

    I tried to retreive my quote using the unique reference code that was emailed, but the website does nor respond.

  • nogoingback says:
    3 Mar3 March 11:07

    Yes. How ‘new’ is a new customer? I did the Life Insurance deal back in 2004/5. Not sure I’ll be eligible…?

    • Rob says:
      3 Mar3 March 13:44

      You are definitely eligible, because it was Legal & General back in 2004/5 and not Aviva.

      I reckon that, like a credit card, as long as your previous app is already cancelled a few months ago you would be OK. They can only say no!

  • James67 says:
    3 Mar3 March 11:46

    I applied for this susccesfully last night. A few pointers may answer some of your questions above. I used a 2/3/12 start date on my application and my policy was issued immediately on conclusion of the application. I experienced some slow load on pages and once had a freese. Refreshing the froszen page worked successfully just taking me back one step of the application. My reading is that points will be posted following collection of three monthly premiums; so presumably available on next statement after that. I guess August for most of us. T&Cs are as follows:

    Additional Terms and Conditions
    •Clubcard number must be provided during application.
    •One offer per policy. Not to be used in conjunction with any other offer.
    •The Clubcard must be in your name and the points will be added to a future Clubcard statement after three monthly premiums have been paid.
    •The Clubcard Scheme is administered by Tesco Stores who are responsible for fulfilling points.
    •This offer does not apply to the Tesco Over 50s Plan.

    I’m unclear what ‘one offer per policy’ means. Does this preclude us from multiple applications? I guess so!

    The points seem to be available only for life assurance and critical illness but not for over 50s plan.

    If you are over 50 I believe you still may be able to apply for the life assurance provided the term you request will end before you reach 70 years old.

  • Paul says:
    3 Mar3 March 12:54

    My wife and I share a clubcard account but have different clubcard numbers, anyone know if we can each do this?

    • Rob says:
      3 Mar3 March 13:44

      Yes, should be OK – although to be sure you could open a new account anyway.

  • Dave says:
    3 Mar3 March 15:22

    Do you think you’d be able to take out multiple types of cover, e.g. Decreasing and Level and be eligible for two sets of 3,500 points?

  • Phillip says:
    4 Mar4 March 07:36

    Just to highlight – as much as I’m sure 3 months will be enough to secure the points, it’s worth taking into consideration the Additional Terms and Conditions that state:

    Additional Terms and Conditions
    •If you cancel your policy within the first 6 months we reserve the right not to fulfill the Clubcard points.

    • Rob says:
      4 Mar4 March 08:14

      That condition is only under Critical Illness. It doesn’t appear with the Life Insurance policy.

  • MaltapointsTom says:
    4 Mar4 March 16:47

    Thanks for this Raffles, fully signed up.

    I suppose the drill is to wait for the Clubcard points to land, then cancel the direct debit.

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