The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute the provision of financial, investment or other professional advice in any way.
This website is owned and maintained by Tesco Personal Finance Compare Limited.
The use of this website, and access to this website, is subject to these terms and conditions which you should read carefully. By using this website you agree to be legally bound by these terms and conditions and agree to access this website in an appropriate and lawful manner.
If you do not accept these terms and conditions, please do not use this website. Any use of this website which is not in accordance with these terms and conditions is unauthorised, will constitute an actionable breach of contract and results in your right to use this website ceasing immediately.
By accessing the Tesco Compare website you confirm to have understood and agreed to this policy and our Terms and Conditions.
Cookies are text files containing small amounts of information which are downloaded to your personal computer, mobile or other device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.
Persistent cookies – these cookies remain on a user’s device for the period of time specified in the cookie. They are activated each time that the user visits the website that created that particular cookie.
Session cookies – these cookies allow website operators to link the actions of a user during a browser session. A browser session starts when a user opens the browser window and finishes when they close the browser window. Session cookies are created temporarily. Once you close the browser, all session cookies are deleted.
Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.
A list of all the cookies used on the Tesco Compare website by category is set out below.
These cookies enable services you have specifically asked for. For those types of cookies that are strictly necessary, no consent is required.
These cookies are essential in order to enable you to move around the Tesco Compare website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like shopping baskets or e–billing, cannot be provided.
These cookies collect anonymous information on the pages visited. By using the Tesco Compare website, you agree that we can place these types of cookies on your device. These cookies collect information about how visitors use the Tesco Compare website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how the Tesco Compare website works.
These cookies remember choices you make to improve your experience. By using the Tesco Compare website, you agree that we can place these types of cookies on your device. These cookies allow the Tesco Compare website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.
These cookies collect information about your browsing habits in order to make advertising relevant to you and your interests.
These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with our permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation.
A guide to behavioural advertising and online privacy has been produced by the internet advertising industry which can be found at www.youronlinechoices.eu. The guide contains an explanation of the IAB’s self–regulatory scheme to allow you greater control of the advertising you see.
The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. You can also disable or delete similar data used by browser add–ons, such as Flash cookies, by changing the add–on’s settings or visiting the website of its manufacturer.
We are very aware that security is a key issue for people who use the Internet. Security is also important to us. Below you’ll find information on how you can use Tesco Compare safely and securely:
We use a standard based secure encryption mechanism . This is the Internet standard for the secure transmission of data. When you register or login to get a quote, the browser window will become secure to protect your information. You know this window is secure because your browser will show a padlock or key at the bottom right hand side of your screen.
After a period of inactivity (by this we mean you choose not to select any of the buttons or links on the page) you will automatically be logged out for your security.
The customers of large businesses are sometimes targeted by fraudsters. They are sent bogus emails requesting that they provide their personal security details in order to reactivate their account, verify an email address, or some other reason. Phishers attack trusted business’s names to make users believe they are genuine, and then fraudulently use your name and the stolen information.
We would recommend that you be on your guard against emails asking for information like this. Tesco Compare will never ask you to reveal your security details via email, and you should never reveal your username or password to anyone.
Remember to log out when you have finished using our website. This will ensure you are properly and securely logged out. If you are using a PC which could be used by someone else, (e.g. in an Internet Cafe) we also recommend you also close your Internet browser.
The information, services and products on this website are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction. This website is for your non–commercial, personal use only and must not be used for business purposes.
This website is designed to be accessed through its principal product home pages and such other pages as we decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services.
You will be referred on certain site pages to read ’Important Information‘. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the site pages.
You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is hosted or any server, computer or database connected to our website. You must not attack our website via a denial–of–service attack or a disrupted denial–of–service attack.
Any web–scraping of this website is strictly prohibited, as are automated programs, robots, web–crawlers, spiders and data miners are also prohibited from accessing this website or service.
You agree not to receive, access or transmit any content or data which is in breach of confidence, in breach of any intellectual property rights or otherwise objectionable or unlawful.
You agree not to circumvent any user authentication of this website nor any host, network or account nor interfere with service to this website nor knowingly or recklessly transmit any electronic content via this website which shall cause or be likely to cause detriment or harm in any degree to computer systems or networks owned by Tesco Personal Finance Compare Limited or any third party.
If you violate systems or network security, you may incur criminal and/or civil liability and Tesco Personal Finance Compare Limited may, in its absolute discretion, fully co–operate with investigations of suspected criminal violations and/or violation of systems or network security.
In order to obtain quotes for any product or service, you will need to answer a number of questions which cover those needed by the different insurers/providers. It is important that you answer all questions truthfully and disclose all relevant facts. If you do not provide the information requested, or fail to tell the insurer/provider about any circumstance likely to influence their assessment of your application, or any change in the facts supplied or your circumstances before your policy goes on risk, it could invalidate your insurance or product. You must take all reasonable precautions to ensure that any data you submit is true and accurate.
You should receive your quotation interactively (usually within 2 minutes of your completed request). However, for some services we are reliant on the availability of the third party sites and on the overall performance of the internet. Therefore, we cannot guarantee that you will receive your quotation within this timescale, but we aim to let you know if we are unable to complete your quote in these time–frames.
When you receive an insurance quote the price quoted to you will be accurate at that time, based on the details you provided. Each insurance provider guarantees its quotes for a fixed period of time. These time periods may vary.
In order to accept a quotation, you’ll need to click on the link provided which will redirect you to the insurance/service provider’s website. Before you buy, it is important that you check the information they hold about you is correct. It is your responsibility to ensure your details are correct, as incorrect information could result in your policy being invalid and leave you without any cover.
The security and confidentiality of your personal information is very important to us. We will only use your information in ways that are fair and in accordance with this section.
Tesco Compare is an internet–based service and we will use email as our main method of communication with you. When you use our website to generate quotations we will send you an email as part of this process. These emails will be sent if you part save your quote details and/or once you have completed the full quote details and generated quotations.
The information collected about you by Tesco Compare may include: your name, address, user name and password, answers to security questions, email address, telephone number and date of birth. We will obtain most of your personal information during the registration process but may also collect personal information each time you use the Tesco Compare website.
We may obtain information about you from the product providers generating a quotation for you as part of our service. The providers may from time to time send us information relating to your quotation to enable us to carry out analysis on their behalf. The results of this analysis may be passed back to the providers.
Your Information includes any information we, Tesco PLC and its subsidiaries (Tesco) hold now or in the future including details of any dealings with us, Tesco and of transactions you have made.
As the terms of this notice will also apply to anyone else whose details that you provide (for example, others insured on your policy), you must show this notice to them and ensure that you have their consent to provide their personal data to us.
If you contact us electronically, we may collect your IP address (the numeric address that is allocated to your internet device) or telephone number supplied by your Internet service provider.
We will pass your information to the insurance/service providers linked to our services for the purposes of the service you request. They will use your information to generate a quotation based on the information you provide and may use credit scoring. To generate a quote some insurance/service providers might make credit, identity and/or fraud checks and by using our service you authorise them to do so. This may involve:
We may use and share your information to help us and them:
This exchange of information enables insurance companies to verify the information that is provided during the quote process (including that of any third party to be named on the policy).
We will not give anyone your information except:
We may occasionally change the way we use your information and reserve the right to update the "Your Information" section of our website to reflect these changes. Please check the section when using the site to review any changes since your last visit. Where the changes are fundamental, we will notify you by email.
We may from time to time transfer your information to suppliers (e.g. for statistical analysis) in countries outside the European Economic Area that may not have laws offering similar protection to that offered by UK Data Protection laws. If we do this, we will require contractual commitments that anyone to whom we pass it provides an adequate level of protection.
To enhance the service we provide and to help you take advantage of the quotations generated, we may permit certain providers to contact you by phone and/or email to check if you understand the quotation and if you wish to proceed to buy. They and the other providers linked to our service are not entitled to use your information for general marketing purposes unless you have consented to this directly with them. We will not overwrite any existing marketing preferences you have previously set up with product providers.
We’ll use the Clubcard number you provide to confirm that you are eligible for the offer and to add any Clubcard points that you are entitled to. We also use the Clubcard number to help us understand more about our customers in order to develop and improve our products and services.
Requesting your information. You are entitled to a copy of the information we hold about you. If you would like a copy of your information, please write to us at the address below enclosing a cheque for the statutory fee of £10:
Tesco Compare Customer Services,
199 Renfield St,
You must confirm your identity by sending us a copy of two of the documents listed below:
one of the following:
And one of the following:
We will respond to your request within a period of 40 days.
We cannot provide you with the information held by the product providers linked to our service but you have the right to request the information they hold about you directly from them.
Keeping you informed. We will use email to keep you up to date with products, services and special offers available from Tesco Compare and our partners. We may also occasionally use post, phone or mobile messaging (like SMS). We do not pass your personal information to other companies for them to market to you. Changing your contact preferences will not affect your existing contact preferences with Tesco and Tesco Clubcard. If you would prefer not to receive this information or wish to update your own contact preferences please click here.
You have the right to ask us to stop sending you promotional information at any time and all emails will contain an unsubscribe function.
We are Tesco Personal Finance Compare Limited, the data controller. We are responsible for protecting the personal information you provide. Tesco Compare is part of the Tesco group.
Tesco Compare is a trading name of Tesco Personal Finance Compare Limited. Registered in Scotland No. 318925. Interpoit Building, 22 Haymarket Yards, Edinburgh, EH12 5BH.
Tesco Personal Finance Compare Limited is authorised and regulated by the Financial Conduct Authority and is entered in the Financial Services Register (467742). The Financial Services Register can be accessed at www.fca.gov.uk/register.
If you are not satisfied with any of Tesco Personal Finance Compare Limited’s products or services we have a complaint handling procedure that you can use to resolve such matters. Please contact us.
Tesco Compare is a member of the Financial Ombudsman Service. If you are still not satisfied following the Tesco Compare procedures, you can ask the Ombudsman to review the complaint (Please note not all services will fall within their jurisdiction. Details of complaints that they cover can be found at their website).
You can find out more about the Financial Ombudsman Service by writing to Financial Ombudsman Services, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or telephone 0800 023 4567
This website contains trademarks belonging to Tesco, Tesco Personal Finance Compare Limited and other companies within the Tesco group. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this website. No rights are granted in respect of any of the above trademarks. If you are in doubt as to whether an item is a trademark of Tesco, Tesco Personal Finance Compare Limited or a member of the Tesco group, please contact us for clarification at the address below.
This website also contains trademarks belonging to other companies. No rights are granted in respect of any of the other companies‘ trademarks.
Tesco Personal Finance Compare Limited. All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the content of this website without prior written consent is prohibited unless for personal use only.
The terms and conditions of use of this website are governed by the laws of Scotland and any dispute regarding this website shall be subject to the exclusive jurisdiction of the Scottish courts.
The contents of this website, including these terms and conditions of use, are subject to change by us without notification.
We may terminate or suspend your access to this website and the services within it at any time. All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.
These ’Exclusion of Liability‘ provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions and in particular within the ’Exclusion of Liability’ clauses shall attempt to exclude liability that is not permissible under applicable law, including without limitation, liability for death or personal injury, or for fraudulent misrepresentation.
Nothing in these terms and conditions shall exclude or limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we are bound to comply with.
While we have taken all reasonable steps to ensure the accuracy and completeness of the content of this website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that this website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of this website or any part of the content or materials are appropriate or available for use in the United Kingdom or in other jurisdictions where we provide our services. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws. Please note that we do not check or endorse information submitted by third party providers for inclusion on the website, particularly information or quotations collected from the product and service providers presented on the results page.
We accept no liability (including without limitation) in either contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if this website is unavailable and we shall not be liable for any direct or indirect:
Access to and use of this website is at your own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
To provide increased value to users of this website, we may provide links to other websites or resources (that are not part of TESCO) for you to access at your sole discretion. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and shall not be responsible or liable, directly or indirectly, for (i) the privacy practices of such websites, (ii) the content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources or (iii) the use that others make of these websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such advertising, content, products, goods or other materials or services available on such external websites or resources.
The above limitation or exclusion may not apply to you to the extent that applicable law may not allow the limitation or exclusion of liability for incidental or consequential damages.
This website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations regarding the content of any such website. We will not be liable for any loss or damage which may arise from the use of such third party websites.
Exclusion of liability for third party provider‘s products and services. This website can be used to apply for and buy a number of products and services. Please note that most of the products and services that appear on the website are provided by third parties over whom we do not have control. If you apply for and buy such products and services you will be contracting with a third party who will be providing such products and services on their own terms and conditions. You should check that you are happy with those terms and conditions before entering into such a contract. We accept no liability for any products or services provided by third parties.
The links below contain useful information about Tesco Compare.