Bereavement Support

We have specialists ready to help you

We understand that losing someone close to you is an emotional time and can be overwhelming. Our specialist support team are ready to listen and help make things as easy as possible for you.

You'll also find useful information about how our accounts and services work in this situation, and contact details for some helpful support services.

    Contacting us

    Car or Home Insurance

    Telephone: 0345 030 7006

    Opening Hours: Monday to Friday 8am to 5pm

    By Post: Freepost Tesco Bank Bereavement Support Team

      Banking Products

      Telephone: 0345 071 6153

      Opening Hours: Monday to Friday 8am to 5pm

      By Post: Freepost Tesco Bank Estates Team

        Documents we may need from you

        • Original death certificate or original Coroner’s interim certificate if applicable.
        • Authority to close form, signed by all named executors or next of kin. The form required will depend on the account circumstances
        • Copy of the will.
        • For banking accounts held with us in the sole name of the person who died, we only need to be sent the Grant of Probate if the total value of the account(s) is more than £25,000. (Either the Grant of Probate or Letters of Administration)

        If you need any help with certain terms please check our Bereavement Glossary

          What you need to do for our accounts and services

          Car Insurance

          It’s important to contact us when anyone on a policy dies so we can help keep the cover you need in place.

            If the main policyholder has passed away

            When we’re notified of a main policyholder’s death the policy will remain in place for a period of time.

            If you’re a named driver on the policy and the policyholder passes away, you’re still covered to drive. However, you need to call us to notify us. We’ll then discuss your options for continuing your cover.

            If you need to drive a policyholder’s vehicle but are not currently insured on the policy, please call us and we can discuss adding you as a named driver. This will be subject to cost and eligibility.

              If a named driver has passed away

              When we’re notified of a named driver’s death, the named driver will be removed from the policy.

              Please note - It's illegal to drive without car insurance. Without it you can't tax your vehicle, and it provides cover for you, other motorists and members of the public.

                Home Insurance

                It’s important to contact us when a policyholder dies so we can help keep any cover you need in place.

                  If the main policyholder has passed away

                  When we’re notified of a main policyholder’s death the policy will remain in place for a period of time. Please call us to discuss.

                    If a joint policyholder has passed away

                    When we’re notified of a joint policyholder’s death, the policy will continue and the joint policyholder will be removed from the policy.

                      If a property is now unoccupied

                      It’s important to let us know if an insured property is unoccupied or becomes unoccupied at any time, so we can make sure the cover continues to be valid.

                        Savings & Current Accounts

                        Joint accounts

                        When we’re notified of an account holder’s death, the account will remain open and the surviving party will still have access to their joint account.

                          Sole accounts

                          When we’re notified of an account holder’s death, their account will be frozen so no further transactions can be made.

                            ISA Accounts

                            ISA accounts

                            When we’re notified of an account holder’s death, their account will be frozen so no further transactions can be made.

                            If you’re the spouse of the deceased you may be eligible to add their remaining tax-free allowance to your own new or existing ISA. You can speak to an estate’s representative who will be able to discuss your options.

                              Junior ISA

                              When we’re notified of a child account holder’s death, their account will be frozen so no further transactions can be made.

                              Interest will continue to accrue and once the appropriate evidence is received, any credit funds will be paid to the Executor or beneficiary as appropriate.

                                Registered contact (Parent or Guardian)

                                When we’re notified of a registered contact’s death the account will remain active. Further transactions can be made with the account and interest will continue to accrue.

                                Once the appropriate evidence is received, then a new registered contact can be added to the account.

                                  Credit Card Accounts

                                  Credit Card Accounts

                                  Upon notification of an account holder’s death all credit card accounts will be frozen and cards blocked. Interest and fees on the account are also frozen from the date of death. Any interest or charges applied after this date will be refunded.

                                  Additional cardholders will no longer be able to use their card once we’re notified of an account holder’s death. We don’t provide joint credit cards, only additional cardholders on accounts. Additional cardholders can apply for their own credit card account through our website or by telephone:

                                  Phone: 0345 300 4278* (*Calls charged at basic rate. This number is treated as a UK landline by mobile phone network providers.)

                                    Loan Accounts

                                    Joint accounts

                                    When we’re notified of an account holder’s death, the account will remain open for the surviving party and any regular payments (such as direct debits and standing orders) will continue.

                                      Sole accounts

                                      Upon notification of death all loan accounts will be frozen. A settlement figure will be calculated and interest will only be charged up to the date of the customer’s death.

                                        Payment Protection Insurance (PPI)

                                        Payment Protection Insurance (PPI)

                                        If an account holder had any PPI policies registered on the account, we will contact the insurance team to raise a claim on their behalf.

                                          Releasing Funds Prior To Closure

                                          Releasing funds prior to closure

                                          We’re able to release credit funds from an account before the estate has been finalised for funeral costs and Inheritance Tax payments.

                                            Frequently asked questions

                                            Banking questions

                                              Will my mum still have access to the joint account now my dad has died?

                                              Yes the account will remain open and the surviving party will still have access to their joint account.

                                                Will all the direct debits in our joint account still be paid now my spouse/partner has died?

                                                Yes, for a joint account we will not stop the account so all direct debits will continue as before. If there are direct debits you no longer require on the account once we have verified the death certificate we can arrange to cancel these for you.

                                                  Will the account be frozen and the card stopped when the sole account holder dies?

                                                  Yes. When we’re notified of an account holder’s death, their account will be frozen so no further transactions can be made and if the account earns interest it will continue until closure.

                                                    Will direct debits continue to be taken from their current account?

                                                    No the account will be frozen so no further transactions can be made.

                                                      My spouse/partner has died and had an ISA with Tesco Bank, can I now take over the allowance using the Additional Permitted Subscription?

                                                      Yes you will be able to transfer over this allowance to your own instant access ISA with Tesco Bank or to another ISA provider who accepts this allowance.

                                                        My spouse/partner has died and has an ISA with another bank, can I now transfer the allowance using the Additional Permitted Subscription to My Tesco Bank ISA?

                                                        No Tesco Bank do not accept transfers of this type from another bank.

                                                          My child has died and has a Junior ISA with you, what do I need to do to close the account?

                                                          When we’re notified of a child account holder’s death, their account will be frozen so no further transactions can be made. Interest will continue to accrue and once the appropriate documents are received, any credit funds will be paid to the Executor or beneficiary as appropriate.

                                                            My spouse/partner has died and they are the Registered Contact on the Junior ISA account, can I continue to make payments into the account?

                                                            Yes. When we’re notified of a registered contact’s death the account will remain active. Payments can still be made into the account and interest will continue to accrue.

                                                              Insurance questions

                                                                Do I have to send in any documents?

                                                                No, at Tesco Bank we would not ask you to send anything in when you notify us that someone has died. There may be a time when we do ask for a death certificate or Grant of Representation, but one of our specially trained bereavement team will talk you through this if this is required.

                                                                  There is no Executor, can I deal with the insurance?

                                                                  In most circumstances we normally have to speak with the Executor however, we appreciate that this may not always be the case. Please call one of our bereavement team who will be able to help you.

                                                                    How are refunds processed?

                                                                    Refunds are usually paid to the Executor by cheque. If over £250, we require a copy of the death certificate and if applicable a copy of the Grant of Representation or if in Scotland a copy of the Grant of Confirmation.

                                                                      What happens if the policy is being paid by direct debit?

                                                                      If cover is continuing, then new direct debit details are required or the balance of the premium can be paid in full.

                                                                        My spouse/partner is the joint home insurance policyholder and has died, what do I need to do?

                                                                        We understand that this is a difficult time, we can remove the joint policyholder from the policy and your insurance cover would remain unaffected.

                                                                          The property is unoccupied, is there still home insurance cover?

                                                                          The insurance will remain in place for a period of time. It’s important to let us know if an insured property is unoccupied or becomes unoccupied at any time, so we can make sure the cover continues to be valid.

                                                                            Somebody still lives in the property, what do I do?

                                                                            Cover will remain in force for a period of time, please call one of our bereavement team who will be able to help you.

                                                                              Can I drive the car?

                                                                              The cover will remain in place for a named driver for a period of time. If there is nobody else insured on the policy we can still help. It is important that you contact our bereavement team to make sure that you have the correct cover.

                                                                                My named driver has died, what do I do?

                                                                                We understand that this is a difficult time, we can remove your named driver from the cover and your insurance policy would remain unaffected.

                                                                                  I want to sell the car, does this insurance cover test drives?

                                                                                  Unfortunately, our insurance would not cover another driver to use the car for a test drive.

                                                                                    Useful bereavement support services

                                                                                    Additional Support Services

                                                                                    If you're looking for help with something in particular, here are some helpful bereavement support services available.

                                                                                    Support Services

                                                                                    Contact number

                                                                                    The Bereavement Advice Centre

                                                                                      Samaritans

                                                                                        Cruse Bereavement Care

                                                                                          Age UK

                                                                                            Citizens advice

                                                                                              Money Advice Service

                                                                                                The Bereavement Register - (for unwanted mail)

                                                                                                  National Association of Funeral Directors

                                                                                                    Glossary Of Terms

                                                                                                    We've created a glossary to help you understand some of the terms that you may come across when dealing with the practical side of a loss.

                                                                                                    Term

                                                                                                    What does this mean?

                                                                                                    Asset

                                                                                                      Property, money or possessions that belonged to the deceased.

                                                                                                        Beneficiary

                                                                                                          A person who inherits all or part of the money or property from someone who has died.

                                                                                                            Codicil

                                                                                                              This is a legal written amendment to an existing Will

                                                                                                                Confirmation

                                                                                                                  This is a legal document issued by the Sheriff’s Court in Scotland where the deceased lived in Scotland. It is the equivalent to the Grant of Probate issued in England and Wales.

                                                                                                                    Coroner’s Certificate

                                                                                                                      In certain circumstances, a death has to be investigated by the Coroner. In this case, a Coroner’s Certificate will be provided in place of the death certificate.

                                                                                                                        Death Certificate

                                                                                                                          The legal document issued by the registrar when a person dies. It is a copy of the entry in the death register.

                                                                                                                            Estate

                                                                                                                              The total value of everything owned by a person when they died – money, property and possessions – after any debts they had have been settled.

                                                                                                                                Executor

                                                                                                                                  The person(s) named in a Will who are responsible for making sure that the wishes of the person who died are carried out.

                                                                                                                                    Grant of Letters of Administration

                                                                                                                                      If a valid Will doesn’t exist, this document authorises the person dealing with the estate (the administrator) to deal with the deceased person’s property and financial affairs.

                                                                                                                                        Grant of Probate/Confirmation (Scotland)

                                                                                                                                          An official document confirming that the Will is valid and stating who the personal representative is. It can be used to show the personal representative(s) has the right to access funds, sort out finances and collect and share out the deceased person’s assets as set out in the Will.

                                                                                                                                            Grant of Representation

                                                                                                                                              A document that provides proof that someone has Probate and is allowed to deal with a person’s estate.

                                                                                                                                                Inheritance Tax

                                                                                                                                                  Tax that is paid from the estate of a person who has died and must be paid before the estate is shared out to the beneficiaries.

                                                                                                                                                    Intestacy

                                                                                                                                                      When someone has died without having made a valid Will. A person who dies without having made a valid Will is known as having died ‘intestate’.

                                                                                                                                                        Letters of Administration

                                                                                                                                                          An official document stating who the personal representative is when a person has died without making a Will.

                                                                                                                                                            Next of Kin

                                                                                                                                                              The closest related family member(s) of a person who has died. This is normally their husband, wife, civil partner or their child/children.

                                                                                                                                                                Personal Representative

                                                                                                                                                                  The person who is legally responsible for dealing with the estate.

                                                                                                                                                                    Power of Attorney

                                                                                                                                                                      Power of attorney is a way of giving someone you trust legal authority to make decisions on your behalf. It should be noted that Power of Attorney ceases to be in effect when the person dies.

                                                                                                                                                                        Probate

                                                                                                                                                                          The legal term for giving someone the authority to manage the estate of a person who has died. In Scotland, Probate is known as Confirmation.

                                                                                                                                                                            Trustee

                                                                                                                                                                              The person who holds assets on trust,

                                                                                                                                                                                Will

                                                                                                                                                                                  A document which states what someone would like to happen to their assets when they die.