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4,000 Clubcard points (9,600 Avios or 10,000 Virgin miles) with Tesco Pet Insurance

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Here’s a surprisingly attractive Tesco Bank offer for pet owners.

(Note that Head for Points would never condone anyone who has an imaginary pet friend from applying for insurance on its behalf!)

If you take out pet insurance before 1st March 2016, you will not only give your furry friend that bit of extra protection, you will also receive 4,000 Clubcard points.  This is worth 9,600 Avios or 10,000 Virgin Flying Club miles.

Simply enter the code TOPPET and your Clubcard number when getting a quote on the Tesco Bank website.  Although, having said that, I couldn’t actually find a box anywhere on the Pet Insurance website to put my Clubcard number ….

There are 4 different levels of pet insurance to choose from which you can compare on the pet insurance website, but only Extra and Premier Cover will give you the 4,000 Clubcard points.  As this is potentially worth over £100 of Avios or Virgin miles or over £100 of value via a different Clubcard Boost deal (this is the Shopper Points list of the most attractive Clubcard redemptions), this is a deal which you should take a serious look at.

Out of curiosity I did a quote for my cat (see below!) here in London and also checked what the price would be in Wales. The result is not surprising – just slightly annoying.

If we lived on a farm in Wales, Extra Cover with an excess of £60 would cost just £8 a month.  This would mean that, if I managed to get £100 of value from the 4000 points, I would effectively be getting a years coverage for free.

In North West London surrounded by busy streets the same insurance costs £20 a month.  4,000 bonus points is still a very attractive incentive to switch, however, if you are currently paying something similar via another insurer.

4000 Clubcard points with Tesco pet insurance

The rules for the Tesco pet insurance promotion are:

  • You have never had any pet policy covering this pet that has been declared void or been cancelled by Tesco Bank.
  • You are the owner and keeper of the pet.
  • You and the pet on the policy live in the UK, Isle of Man or Channel Islands.
  • Your pet is at least 8 weeks old.
  • Your pet is not on the list of uninsurable breeds.
  • Your pet is not used for business, commercial breeding or for monetary gain.
  • And if you’re insuring a dog: Your dog is not trained to attack, used for commercial guard or security purposes, or for any form of racing.
  • If you cancel your policy within the first 30 days you will not receive the Clubcard points.

Whilst Tesco does not make this too obvious, the policy is only available for cats and dogs.

Unlike the recent Tesco Bank life insurance deals where Tesco was giving you the Clubcard points in quarterly chunks, it seems as if you will receive these points all at once.  This means even if you decide after a few months that the policy isn’t right for the needs of your pet, you will keep the full amount of Clubcard points.

It does not say how long Tesco will take to award your 4,000 points.  It will clearly take longer than 30 days as that is the cut-off period, but realistically I think you should expect to wait three months.  If you cancel before they arrive it is unlikely that you would ever receive them.

This offer is available until 1st March 2016 and is not available if you visit the Tesco Pet Insurance site from a link on a price comparison website.  Those Clubcard points are funded by the commission they are saving ….

Love Clubcard, don’t collect Avios?  You should be reading our sister site, Shopper Points (, which covers the latest Clubcard and Nectar offers without any distracting frequent flyer talk!  Why not check it out now?

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  1. IAmThatGuy says:

    OK so call me a spoilsport but this nudge-nudge wink-wink “my friend’s cat” business is pretty unseemly IMO.

    It seems pretty clear to me that if Clubcard points have a financial value then there is a risk that “earning” 4000 of them for insuring an imaginary pet must come dangerously close to ” Fraud by false representation” contrary to the Fraud Act 2006 (

    Having no legal training or knowledge whatsoever, this can only be my personal view, but it’s not behaviour I would indulge or endorse…

    • 2 Fraud by false representation
      (1)A person is in breach of this section if he—
      (a)dishonestly makes a false representation, and
      (b)intends, by making the representation—
      (i)to make a gain for himself or another, or
      (ii)to cause loss to another or to expose another to a risk of loss

      I’m not sure the above relates to picking up a few Clubcard points – a sales incentive – for buying an insurance product…

      • IAmThatGuy says:

        As neither of us are lawyers, this is probably a pointless exchange, but nonetheless..

        2 Fraud by false representation
        (1)A person is in breach of this section if he—
        (a)dishonestly makes a false representation, and || Yep, this qualifies all right !
        (b)intends, by making the representation—
        (i)to make a gain for himself or another, or || Yep, this qualifies too!
        (ii)to cause loss to another or to expose another to a risk of loss || Not necessary

        The amount is not really the issue here – you can be prosecuted for stealing an apple from Tesco, the value of which is after all low than the “few Clubcard points” you refer to.

        The fact that it’s a “a sales incentive – for buying an insurance product…” is neither here nor there as far as I can see ?

        • What if your cat ran away in the night?

          • Then they’d wonder why you aren’t claiming under the lost pet cover included?
            If they wanted to crack down on phantom cats it wouldn’t be hard to prove as most people have said their “cat” was chipped and spayed to keep premiums down.

          • Just put the phone down on a scam call, same as I do several times a week already – I can usually tell within 3 seconds but you can occasionally get it wrong.

            Sorry, Mum

          • +1

        • I am a lawyer. I aint doing it.

        • Yep. Pointless

  2. I think you would have needed to logout rather than just close the window 🙂

  3. Makes no difference. The cookie is on your computer and it will still track. You should have cleared cookies, used a different browser or done incognito browsing.

  4. My theory on the Tesco clubcard input requirement as in: yes it’s there/ no it’s not is as follows:

    You fill in the form in near-real time. It checks as you go along (maybe certain fields only) and might ask you to correct something.

    So if you put in a name & address it doesn’t recognise – eg a ‘test’ name & address – it will offer you the chance to put in your clubcard a/c number.

    If you put in a name & address it recognises, you get the pop-up box about 4000 clubcard points at a latish stage but no need to input your clubcard a/c number.

    • I just applied for our first cat and it asked for address and clubcard number. It would know the address as its registered with the clubcard. However I was using a VPN in Costa coffee on their free wifi so perhaps that’s how they make the link.
      3.87 a month but I accidentally hit indoor by mistake, so I’m not going to let her out now. Don’t like her muddy paw prints, mucking up the cream tiles, with all this rain anyway ;(

  5. Idiot alert – I meant HUKD! But what I meant is that surely a huge flurry of policies on a certain breed of cat is going to ring alarm bells at Tesco?

    • Especially if they’re all called Avios or Raffles 🙂

      • Not that Tesco actually see the policies. And the 3rd party policy issuer has a vested interest in issuing as many policies as possible.

        • – Tesco Bank on the line here, you Insurance bods – how’s the 4000 point promo going on the Pets?
          – Swimmingly, exceptionally swimmingly, picked up in the last few days as word got around, great promotion from you Marketing bods & we can hardly cope with the demand! Beating all expectations!
          – Lovely jubbly, might put a smile on the boss’s face. How is the premium average looking? I think we were targeting £15/ month average, given our South East weighting?
          – Not quite £15, bit below that – but never say die, eh?
          – How much, exactly?
          – Exactly, or more or less? More or less on target, bit below…
          – Exactly, please, you Insurance bods.
          – Er, £5.02/ month.
          – £5.02? £5.02!!?? OK let’s put some up-selling effort in and tweak the application form, eh, you Insurance bods?
          – Absolutely. Don’t worry, you Marketing bods, we’ll make it all back over 5 years.

  6. £3.32 for Extra, that’s 40p cheaper than we pay the current insurance company. Win win here!

  7. If I get a cat and get the clubcard points for insuring it, is there a medical policy I can take out to cover the cost of my brother’s allergies relating to my cat and does that have extra points attached?

  8. Troll Basher says:

    Had to call RSA this morning as the paperwork for my new policy was incorrect.
    The advisor said points won’t now be posting until 8 weeks after policy was taken out and that some auditing procedure is going on.

  9. Just insured ‘Sandy’ for a very reasonable £3.75 per month on Extra cover. I’ll be sad when she’s gone….

  10. Roberto says:

    Anybody had their clubcard points post yet?

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