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Get 9,600 Avios with Tesco Home Insurance

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These days we are able to do pretty much everything online and usually we’d say taking out home insurance is one of those things that can be done with a few clicks.  

However Tesco Bank seems to be missing its telephone customers and has got a generous offer on their home insurance which can not be claimed or even found online.

(The real reason for doing this is to avoid having to pay commission to cashback or comparison sites.)

Until 29th April Tesco Bank is giving 4000 Clubcard points to everyone who takes out home insurance (contents and building) via telephone (0345 366 8632) when quoting the code H4000GR.  That would convert into 9600 Avios points or 10000 Virgin Flying Club miles.

This is a very generous deal if you live in a low risk area and don’t pay much for your insurance.  However, because of the need to take out contents and buildings insurance, it is no use if you live in a flat where your buildings insurance is arranged centrally.  There is no offer for just taking out contents insurance.

You also need to have your existing coverage ending in the next 2-3 months.  There is no point paying for two lots of overlapping insurance as it will soon eat away the value of the points.

If you want to get a rough quote from Tesco before calling, you can do so on their website – but you must call to buy if you want the 4000 points.  The Tesco website will accept the promotional code but are breaking the rules of the deal by buying online so I wouldn’t risk it.

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Category

Tesco Clubcard

Comments (47)

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

  • Andrew says:
    6 Mar6 March 07:06

    Better points deals on some of the BT phones in store:

    BT8600 phones, in store: 2 pack, £79 (400 cc points), 3 pack, £99 (500 cc points), 4 pack, £119 (600 pts)

    Similar structure with 6600 models

    Prices not always the same in store vs direct…

    • James says:
      6 Mar6 March 09:05

      Not sure how that’s considered a better points deal? Even at the cheapest you’d have to spend £790 on phones to get 4,000 points?

      • Genghis says:
        6 Mar6 March 09:08

        I think Andrew was saying better than the phone deals in Raffles’ article, not better than the home insurance offer.

  • e1ghty says:
    6 Mar6 March 08:08

    Is it not possible to take out the insurance so that it’s activated at the time of your existing renewal so that you can receive the points but not overlap

    • Genghis says:
      6 Mar6 March 08:28

      Depends when your current insurance expires. Tesco policies can be started 30 days into the future.

      • Genghis says:
        6 Mar6 March 08:30

        I should also add that with the offer I received for 4,000 cc points, I could apply online and enter the code that Raffles mentions in the article.

  • Gavin says:
    6 Mar6 March 09:41

    Insurance expires mid May so this should be nicely timed if a good price.

    Don’t think I can call up to say my house has died when the points post though

  • HayMow says:
    6 Mar6 March 10:15

    So presumably this being a Tesco financial product the 40,000 points don’t fall under Tesco’s Clubcard earning rule that “Members can earn a maximum of 30,000 points in any one collection period.” which Raffles has told us is being more strictly enforced lately???

    • TimS says:
      6 Mar6 March 10:25

      It is only 4000 pointa, not 40000…and yes it will count towards the 30000 cap per quarter.

    • Rob says:
      6 Mar6 March 11:34

      Tesco Bank is excluded, yes

      • Genghis says:
        6 Mar6 March 13:24

        Is the fact that Tesco Bank cc points not being included in the 30k points / qtr cap documented anywhere?

        • Rob says:
          6 Mar6 March 15:07

          Yes, I have seen it documented. Can’t remember where – probably in the main T&C’s document which explains the 30k cap.

  • Tilly71 says:
    6 Mar6 March 13:32

    Seems people were reassured last Q points from certain channels were not counted as part of the cap at 30k but still had those points removed at Q end.
    Tip- spread your points over two cards or more.

    • harry says:
      6 Mar6 March 15:58

      +1

      We’ve also had Tesco Bank points included in the 30K cap – and ‘change’ points as well, which have an even better case for not being included in the limit.

      Tesco’s systems are simply not that sophisticated, the 30K limit is either applied or not, regardless of whence the points originated.

  • Gordon says:
    6 Mar6 March 16:42

    What are the rules for taking the insurance, paying monthly, getting the ponts then cancelling. for example, due to a change of circumstances

    • harry says:
      6 Mar6 March 17:01

      The main thing is to avoid taking out a finance deal (loan).

      If it is simply a direct debit monthly payment on an insurance policy, you can cancel any time.

      • Genghis says:
        6 Mar6 March 17:06

        With this tesco home insurance you do enter into a loan (at 19% from memory). That’s why I paid the premium up front.

        • harry says:
          6 Mar6 March 17:14

          Good info.

          Also, by law, you can pay 12 months insurance in 1 sum, then cancel @ any time & get a pro rata refund, though there might be a processing charge.

      • Tilly71 says:
        6 Mar6 March 17:17

        I thought all the pet insurance policies were on this finance deal as mine is but lots of people cancelled their DD and didnt bother to even call up and tell them they are cancelling?
        So what happens in this instance, will all those people get chase letters for the missing policy payments?

        • Genghis says:
          6 Mar6 March 17:28

          Some companies don’t like people like (us?) me. I got banned from a well known gambling website for winning too much from their £50 in play (made risk free by my laying) offers.

          • harry says:
            6 Mar6 March 17:42

            Definitely us.

            Been there, got the T-shirt.

            It’s about averages – you win, you lose.

            I win.

        • mark2 says:
          6 Mar6 March 17:56

          I cancelled by letter and have received a £3.04 refund out of the two premiums totalling £8.09 that I paid.
          I also persuaded Tesco to convert the points to Virgin out of cycle getting the 20% bonus.

    • harry says:
      6 Mar6 March 17:16

      It would have to be reasonable & with Tesco & partners, it would not be anything to worry about.

  • Tilly71 says:
    6 Mar6 March 17:19

    I think when I closed early a home insurance policy they charged me £20.

    • Genghis says:
      6 Mar6 March 17:24

      Tilly71 – I remember you asked about the Amex Plat 20k MR point bonus last week. We spent £1k earlier this week and the MR bonus points posted a day or two later.

      • Tilly71 says:
        6 Mar6 March 18:07

        Brilliant, thanks for remembering my previous Q. I’m just awaiting my last few transactions to go and update my balance over 1k I made in the week. I expect these to update overnight so maybe by Wednesday my 21k MR will be ready to redeem.

      • Tilly71 says:
        6 Mar6 March 18:08

        Can I just confirm that was from an upgrade from gold rewards to plat using the email link offer?

        • Genghis says:
          6 Mar6 March 18:22

          Yes, that’s right. I remember your worry was that there wasn’t a ‘count down’ to your points on the Amex website.

          • Tilly71 says:
            6 Mar6 March 18:27

            Yes, I got used to that reminder tool in your account on gold showing how much spend until you reach your bonus. Once again thanks for remembering me, your a star!

          • Tom H says:
            6 Mar6 March 19:44

            Hi Tilly, did you get a targeted email for the upgrade from gold or did you just use the link that was posted previously?

          • Genghis says:
            6 Mar6 March 19:59

            We used the link that was posted on HfP comments and got the points

    • Fenny says:
      6 Mar6 March 19:30

      Similar to when I cancelled my car insurance last summer. They charged me around £25-30 to cancel and sent me a refund of the net premiums paid.

  • harry says:
    6 Mar6 March 17:33

    Well this game is not for the curtain twitchers lol

    If you are worried about gaming it, don’t game it 🙂

    No problem with that.

    • Genghis says:
      6 Mar6 March 17:47

      Completely agree. This hobby is a bit of a game for me – I get pleasure knowing I’m getting a good deal.

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

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