Cancel Tesco Mobile Insurance the easy way

Core cover

Tesco Mobile Protect is a device insurance product for Tesco Mobile customers underwritten by WDP Insurance Limited and administered by Asurion. It covers loss, theft and accidental damage subject to the policy terms and an excess.

Who it is for

The product is aimed at Tesco Mobile customers who want to protect a mobile device they bought or use on a Tesco Mobile tariff. Premiums and excess are set according to the device value at purchase.

How it is priced

Premiums are charged monthly in advance and automatically renew. Typical monthly premiums start from £4, with other bands at £6, £8 and £12. Excess fees are set at £25, £50, £75 or £85 depending on device band and are confirmed in your welcome pack.

Online (web)

1. Open insurance.tescomobile.com.
2. Sign in with the details used when you took the policy.
3. Go to Your Policies or Manage Policy and select Cancel Policy.
4. Follow the onscreen prompts and confirm cancellation.
5. Save or screenshot the confirmation and keep the confirmation email.

Mobile browser (iOS / Android)

1. Open your device browser and visit insurance.tescomobile.com.
2. Follow the same steps as the web method. The site is accessible on mobile browsers.
3. Keep the email confirmation or screenshot.

Phone

1. Locate the phone number in your policy documents or on the policy terms PDF.
2. Call and tell the agent you want to cancel Tesco Mobile Protect for the device shown.
3. Ask for a cancellation reference and the email confirmation to be sent.
4. Write down the reference and the agent name.

Email

1. Compose an email to [email protected] with subject Cancel Policy and include your name, policy number, device IMEI and mobile number.
2. Request a confirmation email and keep the reply.

Post

1. Write a signed cancellation letter with your full name, address, policy number, device IMEI and request to cancel.
2. Send by registered post to Tesco Mobile Insurance, Shire Park, Kestrel Way, AL7 1GA Welwyn Garden City, United Kingdom.
3. Keep proof of postage and any returned mail.

Moving or changing residence

Rule: You may cancel if your new circumstances mean you no longer use Tesco Mobile as your provider or you permanently move outside the United Kingdom. Required proof: proof of new address such as a utility bill, or proof of change of country if moving abroad. Applicable law: Consumer Rights Act 2015 applies to the supply of service standards.

Price increase by the insurer or administrator

Rule: If Tesco Mobile Protect is increased and the increase is not part of the original contract terms, you can cancel. Required proof: the price change notice from Tesco Mobile or the insurer. Applicable law: Consumer Contracts Regulations 2013 and Competition and Markets Authority guidance on auto-renewal and unfair terms.

Death of the policyholder

Rule: A family member or executor may cancel the policy. Required proof: death certificate and proof of authority if needed. Applicable law: local contract law for the part of the UK you live in.

Legitimate grounds accepted by Tesco Mobile

Tesco Mobile will cancel for the following legitimate grounds based on the terms: failure to pay monthly premium, fraudulent or suspected fraudulent claim, insurer or Tesco withdrawal from the market, or the policy becoming economically unviable. Required proof: payment records for non payment; investigation results or correspondence for fraud; official notice from Tesco Mobile for product withdrawal. Applicable law: Consumer Rights Act 2015.

End of commitment or change of device

Rule: The policy is linked to the device and will not transfer automatically if you upgrade, trade in your device or end an airtime contract. Required proof: proof of new device sale or upgrade documents. Applicable law: contract terms govern the link to the device.

Cooling-off and 28 day refund rule

Rule: Statutory cooling-off under the Consumer Contracts Regulations 2013 gives a 14-day right to cancel for online or off-premises purchases. Tesco Mobile Protect also states you can cancel within the first 28 days and if you have not made a claim you will be refunded any premium paid. Required proof: date of purchase shown on welcome documents and proof you have not submitted a claim within 28 days. Applicable law: Consumer Contracts Regulations 2013 and Consumer Rights Act 2015.

Before cancelling: negotiate

Retention offers reported in the product information: discounts via the Family Perk if chosen at purchase. Family Perk discounts are 75p, £1.25 or £2.25 off the monthly premium depending on tariff. Premium reductions may apply if you change tariff but can take up to two months to appear on your bill. How to ask: call the administrator, explain you are considering cancellation, request any available Family Perk or bill adjustment and ask for the adjusted monthly amount in pence and the timescale for the change.

What cancelling saves you

Compute yearly costs using real plan prices. Example lowest band: £4 per month x 12 = £48 per year. Example higher band: £12 per month x 12 = £144 per year. Savings by cancelling the cheapest Tesco band: £4 x 12 = £48 saved per year. Compare with the cheapest competitor from research: Insurance2go at £1.99 per month. Insurance2go annual cost: £1.99 x 12 = £23.88 per year. Math: Tesco Mobile Protect cheapest band £4 x 12 = £48. Insurance2go £1.99 x 12 = £23.88. Yearly saving by switching from Tesco £4 plan to Insurance2go: £48 - £23.88 = £24.12 per year. Show other concrete prices: excess options £25, £50, £75, £85 are set per-device and shown in the welcome pack.

Consumer law and regulators

Tesco Mobile Protect is subject to UK consumer law. Key laws and regulators are the Consumer Contracts Regulations 2013 (14 day cooling-off for online and off-premises purchases) and the Consumer Rights Act 2015 (service standards and unfair contract terms). Asurion and the insurer operate in a regulated market overseen by the Financial Conduct Authority in relevant cases.

How to escalate a dispute

Step 1: Complain to Tesco Mobile Protect or Asurion via the channels in your policy. Step 2: If the response is unsatisfactory, escalate to the Financial Ombudsman Service for insurance disputes. You can also contact Citizens Advice for guidance. For qualifying card payments check Section 75 or request a chargeback via your card issuer when appropriate. The Competition and Markets Authority monitors unclear auto-renewal and hard-to-cancel subscriptions.

Check your final bill

After cancellation, confirm the final premium charged and any refund due. If you cancelled within the first 28 days and have not made a claim you should receive a refund of premium paid per the product terms.

Keep cancellation evidence

Retain the confirmation email, cancellation reference, call notes or proof of postage. Keep your welcome pack or policy documents for 12 months after cancellation in case of a claim made before cancellation.

Re-insuring and device implications

Note the policy is linked to the device and does not transfer automatically when you upgrade or trade in the phone. If you buy a new device you will need to arrange new cover. Confirm any cover gaps if you expect to make a claim after cancelling.

Use this checklist when you are ready to cancel.

• Find your policy number, IMEI and welcome pack.
• Decide cancellation channel: online, phone, email or post.
• If online: log in at insurance.tescomobile.com and save the confirmation.
• If by phone: note the agent name, time and cancellation reference.
• If by email: send to [email protected] and save the reply.
• If by post: send signed letter to Tesco Mobile Insurance, Shire Park, Kestrel Way, AL7 1GA Welwyn Garden City and keep proof of postage.
• Check for a refund if within 28 days and no claim has been made.
• Keep records for at least 12 months after cancellation.