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With Tesco Bank Home Insurance, when do I need to specify an individual item?

If your policy number starts with TI: You will have to specify any items that you wear or carry outside of the home, that are individually worth over £2,000 - such as an engagement ring, watch or camera. You can cover 1 item worth £20,000 or a number of items up to that limit. By specifying an individual item, you’ll be covered for loss, theft and damage of these items anywhere in the UK (including in your home) and for up to 60 days when you're abroad.

You do not need to specify items for cover within the home only, though please check your schedule for your overall contents and valuables limits.

You can add a specified item to your policy via Your Insurance Account, which is available 24 hours a day. There will be no fee for making a change to your policy (when accepted via Your Insurance Account), but there may be an increase in premium for adding this to your policy.


  • Once you log in, select the relevant policy
  • Click on 'Make Changes' on the home page
  • Click 'Amend contents cover' from the menu that drops down
  • Select the date you want your change to take effect from, read the statements carefully and if accepted, click 'Confirm'
  • Scroll down and select 'Add item' under the Specified item section and complete all the relevant fields. Once finished, click 'Continue'
  • You will then be presented with the cost to make the change and the option of adding any optional extras to your policy whilst making the change
  • If you're happy and want to go ahead, select monthly payment or pay in full. If you do not want to go ahead, click 'Back to your account'


If your policy number starts with QH: You have Click & You're Covered Home Insurance and you do not need to specify items, if you wish to have cover away from the home you should add personal possessions cover, this can be selected up to £15,000 with a single item limit of £5,000.

You can add personal possessions cover to your policy via Your Insurance Account, which is available 24 hours a day. There will be no fee for making a change to your policy (when accepted via Your Insurance Account), but there may be an increase in premium for adding this to your policy.


  • Once you log in, select the relevant policy
  • Click on 'Make Changes' on the home page
  • Click 'Amend contents cover' from the menu that drops down
  • Select the date you want your change to take effect from, read the statements carefully and if accepted, click 'Confirm'
  • Scroll down and select 'Add item' under the Specified item section and complete all the relevant fields. Once finished, click 'Continue'
  • You will then be presented with the cost to make the change and the option of adding any optional extras to your policy whilst making the change
  • If you're happy and want to go ahead, select monthly payment or pay in full. If you do not want to go ahead, click 'Back to your account'


Excesses and limitations apply. Please see your Policy Booklet for more information.
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