Tesco has unveiled two significant changes to its Clubcard scheme, allowing members to redeem vouchers pound-for-pound on travel insurance while also preparing to extend eligibility to under-18s. The moves affect millions of shoppers and mark a notable shift in how the UK’s largest supermarket deploys its loyalty programme.
The announcements come as research commissioned by Tesco suggests strong demand for holidays in 2026, and amid ongoing scrutiny of supermarket loyalty schemes by regulators and consumer groups. Together, the changes signal a broader push to widen access and reinforce value at a time when household budgets remain under pressure.
Clubcard Vouchers Can Now Be Used Pound-For-Pound on Travel Insurance
Under the new initiative, customers can convert every £1 in Clubcard vouchers into £1 to spend on Tesco Travel Insurance. Vouchers must be exchanged for a Reward Partner code and redeemed at checkout on the Tesco Insurance website after obtaining a quote. A minimum of £5 in vouchers is required, and the code can be applied to Single Trip, Annual Multi-Trip or Backpacker policies.
According to reporting in the Express and other outlets on 16 February 2026, this marks a first for Tesco Insurance and Money Services. If the value of the Reward Partner code exceeds the total cost of the policy, any remaining balance is forfeited and will not be refunded, so customers are advised to check the policy price before exchanging vouchers.
The change follows new research from Tesco Insurance, which found that 70% of Britons have already booked a holiday for 2026. The survey, conducted online by WALR between 5 and 9 December 2025 among 2,085 UK residents aged 18 and over who had travelled for leisure in the past two years, also indicated that 38% have booked two or more holidays this year. Among those yet to finalise plans, 24% intend to book two holidays and 28% expect to book three or more.
Alex Cross, chief customer officer at Tesco Insurance and Money Services, said the initiative “represents a milestone in how we deliver value for our Clubcard customers”. He added that booking travel insurance in advance, particularly an annual multi-trip policy for those planning several journeys, can save money over time.
Tesco Plans to Extend Clubcard to Under-18s after Regulatory Pressure
Separately, Tesco has confirmed it is reviewing its Clubcard scheme with the intention of making it available to under-18s later this year. The supermarket did not provide a detailed timeline or broader reasoning for the change.
A Tesco spokesperson said the company is “actively reviewing Tesco Clubcard with the intention of making Clubcard available to under-18s this year”, while noting that customers without a Clubcard can still benefit from Aldi price match and everyday low prices.
The proposal has been welcomed by campaigners. Which?, the consumer organisation, has previously urged supermarkets to remove what it described as unfair restrictions on loyalty schemes. Reena Sewraz, retail editor at Which?, said research by the group shows savings from Tesco Clubcard “can be really significant”, adding that widening access is a step in the right direction, provided it is implemented swiftly.
In its 2024 review of supermarket loyalty schemes, the Competition and Markets Authority encouraged retailers to do more to help shoppers access loyalty prices, including enabling under-18s to participate, potentially through parents or guardians. According to data from research firm Kantar, the average person holds loyalty cards for three supermarkets, though most schemes currently require members to be 18 or over.
Taken together, Tesco’s latest measures reinforce the central role of Clubcard in its strategy, broadening both how rewards can be spent and who can benefit from them.
