Get 12,000 Avios or 12,500 Flying Club miles for £60 with Tesco’s Mortgage Cover policy
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Back in August, I wrote about the latest offer on Tesco Life Insurance.
This is not a bad offer at all. Take out Tesco Life Insurance or Critical Illness Cover (or, er, both) and you will receive 5,000 Tesco Clubcard points. These are paid at the rate of 1,250 per quarter for a year.
The minimum spend is £5 per month, so you would be paying £60 for your 5,000 points. This would convert into 12,000 Avios points.
This offer is still running – the closing date is 29th October.
However, Tesco has added a new product – Mortgage Cover.
Mortgage Cover is simply another product which pays out a sum of money if you die. Unlike life assurance, though, you can choose to structure the policy so that it pays out less and less over the years, in line with the reducing balance of your mortgage.
As with Life Insurance, the minimum payment is £5 per month and the points arrive in four lumps of 1,250 over 12 months.
The key thing, though, is that there is no reason why you should not be able to get this deal even if you have already taken out the Life Insurance policy. They are two separate products.
Cancelling, by the way, is very easy. You can either write to them, or just cancel the direct debit. After a couple of months they will write to say that your policy is now terminated.
As per my original post, remember that there is a risk that you will be asked to go for a medical before cover is granted. If you declare any medical conditions then the risk is higher, but I assume they also select a small random number of ‘clean’ applicants as well.
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How to earn Avios from UK credit cards (February 2025)
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 Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard
Get 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
30,000 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
50,000 bonus points and great travel benefits – for a large 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, and the standard card is FREE. Capital on Tap cards also have no FX fees.

Capital on Tap Visa
NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review
There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business
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
50,000 points when you sign-up 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.
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