Free £1,000 Dental Accident Cover

MSE_Martin · 7 August 2007 at 5:00PM

What's it about?

On a first come, first serve basis Tesco is giving away free £1,000 Dental Accident insurance cover to anyone over 18. This isn't the same as dental cover; it only has a limited use, yet because it's free everyone should grab it as it's a good free year's supplement to NHS cover.

IMPORTANT. This is not the same as dental insurance

Tesco's Dental Accident policy covers you for up to four claims of £250 a year for private dental treatment if you've had an accident - for example falling and breaking a tooth. It doesn't cover you for any type of normal treatment such as having tooth decay.

If you want that (and sadly with finding an NHS dentist so difficult, many have no choice) then read the full Cheapest Dental Insurance article.

Why is Tesco doing this?

Tesco has also launched its own new paid dental cover plan; and as you need to phone to get this, undoubtedly it will try and flog you that at the same time.

Yet to be fair to Tesco, it will give you this by itself no problem; and doesn't request any payment details - so there's no risk it'll try to charge you for it next year.

How do I get it?

All the details, terms and conditions, are on this Tesco page.

Are you a member of a cashback site?

If you're a member of a cashback site like Quidco, you may actually be able to get £1 for doing this (thanks to the MoneySavers in the discussion below who pointed it out). What you're actually looking for is the free dental cover offered there by AXA insurance (which is who organises it for Tesco). If you're not a member of cashback sites then first read the Top Cashback Sites article

Martin

Updated Article: Cheapest Dental Insurance

jmarko · 7 August 2007 at 7:39PM

Thanks Martin!! Every little helps!

oranabana · 7 August 2007 at 9:00PM

As the old saying goes, nothin in life is free. Or at least not intentionally. I guess having read the latest findings by the UK Information Commissioner entitled: protect your own data made me do a u-turn on this freebie.

But you decide - have a read on this:

http://www.theregister.co.uk/2007/08/07/info_commissioner_over_to_you/

you been warned

matttwine · 7 August 2007 at 10:21PM

I suspect tesco probably have all your details anyway

cepheus · 7 August 2007 at 10:55PM

Cover excludes any injury caused other than by direct oral impact or participation in contact sport where the appropriate mouth protection (e.g. gum shield) was not worn.

But what is the definition of direct oral impact, flying projectiles, flying fists or tripping up and landing on your mouth or chin? If I break a filling through eating, it has impacted on a foreign body (food) and it is an accident. Surprised they didn't have a long list of terms.

I expect the majority of dental treatment is for broken fillings when eating food, this is certainly the case with me. After reading it again I suppose

Any benefit for implants... not included...

means fillings

penniesforme · 7 August 2007 at 10:56PM

oranabana wrote: »

As the old saying goes, nothin in life is free. Or at least not intentionally. I guess having read the latest findings by the UK Information Commissioner entitled: protect your own data made me do a u-turn on this freebie.

But you decide - have a read on this:

http://www.theregister.co.uk/2007/08/07/info_commissioner_over_to_you/

you been warned

if you have a clubcard, they know all your details anyway. (this includes the brand of baked beans u normally buy, your spending pattern, your fav chocolate etc etc)

adewton · 8 August 2007 at 1:07AM

Oh yes. They also have an idea how many people are in a household, what age group. They can even correctly predict if you have period pain ( monthly purchase of tampons and good old nurofen)

the.spike · 8 August 2007 at 6:51AM

I used to work for Tesco. They know lots about you, even if you don't have a clubcard (you do use the same debit/credit card each week don't you?)

And if you do have a Clubcard, haven't you always wondered why your money off vouchers are always so well targeted at stuff you already buy?

tylwcus · 8 August 2007 at 8:03AM

Having previously worked for a dental insurance company I think you'll find this will only cover for external impact i.e. a blow to the mouth or a fall. It probably wouldn't cover for broken fillings as a result of eating. I may be wrong but it does say "direct oral impact", eating an apple wouldn't be classed as an impact. Still, if you had a fall and broke a tooth then you'd be covered and that's what insurance is for - and it's free!!

Jan

Money_saving_Martyn · 8 August 2007 at 8:22AM

adewton wrote: »

Oh yes. They also have an idea how many people are in a household, what age group. They can even correctly predict if you have period pain ( monthly purchase of tampons and good old nurofen)

Do you buy Nurofen (brand)? If so, maybe take a look at this thread (page 2, look for Zaza's post and maybe others') http://forums.moneysavingexpert.com/showthread.html?t=498577&page=2&highlight=Nurofen

I've just tried calling the Tesco dental plan line and I just get a weird tone after choosing option 1. I couldn't decided if it was very cheap hold music or me being cut off......

Cazza · 8 August 2007 at 9:11AM

Is this still available or has it gone already? If I try calling the 0800 number on the website it's just saying "the service cannot be connected"

Free £1,000 Dental Accident Cover

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