Last updated: 14 June 2026
By Stiv · Design, technology and personal finance
This is an opinion piece. Views expressed are the author's own and do not constitute professional or financial advice.
Cool Factor: 3/5
Fixed-for-life cover, a handy virtual GP, and a lot of phone calls.
This is my honest Tom insurance review, written as an actual customer rather than someone skimming the marketing. I took out a lifetime serious illness cover policy with Tom, so this Tom insurance review is based on living with the application, the price and the perks, not on a press release.
This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
Want a Tom quote?
If this Tom insurance review has you ready to compare cover, you can start a quote through my referral link below. Meanwhile, the current offer and how it works sit on our Tom life insurance page.
Read more









