Home insurance claims: how to claim

If you need to talk to us about a claim, new or existing, then please call your underwriter. They will handle your claim and get things sorted quickly and fairly.

What can you expect?

At Tesco Bank Home Insurance, we know how stressful it can be when you need to make a claim. However, the sooner you report it, the sooner we can help you.

Once you have called we will register your claim, confirm what you are covered for and give you a claim number to quote. We will talk you through the next steps, confirm what excesses will apply (this is the amount you pay towards any claim) and, subject to the terms of the policy, we will either:

  • Arrange for repairs to be carried out;
  • Arrange to replace any lost, damaged and stolen items directly to you; or
  • Pay you the cash value of the lost, damaged or stolen item.

Talk to us about a claim

Call the 24-hour UK-based claims number of your underwriter detailed below. Please check your schedule to identify your underwriter. It would be helpful if you could quote your policy number, which is also on your schedule.


Underwriter Contact details
Tesco Underwriting Ltd0345 677 7222*
AXA Insurance UK plc0330 024 0387
Geo Underwriting Services Limited0330 123 5543
Royal & Sun Alliance Insurance plc0345 078 7535*
Fairmead Insurance Limited0345 070 1307*
Claim type Contact details
Home Emergency cover claims
Tesco Bank Home Insurance product customers
0330 123 1963
Home Emergency cover claims
Finest Home Insurance customers
0330 123 1964
Family Legal Guard
Legal Helpline
0345 030 3182*
Family Legal Guard
Claims line
0345 030 3183*

*This number may be included as part of any inclusive call minutes provided by your phone operator.