Last updated: 14 June 2026
By Stiv ยท 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.
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