Personal Possessions Cover
Add Personal Possessions Cover to your Tesco Home Insurance policy. And get extra cover away from home.
Upgrade your personal items insurance
Life happens. Things get dropped, left behind or taken when you least expect it.
Upgrade your contents cover to include your personal items when they’re out of the house. Our Personal Possessions Cover can offer extra protection - and peace of mind - when you’re away from home.
What is Personal Possessions Cover?
Personal Possessions Cover is extra cover you can add with Tesco Contents Insurance.
It’s insurance for personal property you take with you when you leave home. Like your phone, laptop, tablet or jewellery.
It provides cover for:
- loss, theft or damage anywhere in the UK (including your home)loss, theft or damage anywhere in the UK (including your home)
- up to 60 days when you or your family are abroadup to 60 days when you or your family are abroad
So if you’re out and about, or travelling, you’ll have cover for the everyday essentials you can’t be without.
How Personal Possessions Cover can help
If you add Personal Possessions Cover to your policy, it can help with:
- repairing a damaged itemrepairing a damaged item
- replacing an item if it’s lost or stolenreplacing an item if it’s lost or stolen
- paying towards a like for like replacement, if a repair isn’t possiblepaying towards a like for like replacement, if a repair isn’t possible
That means you won’t need to cover the full cost if something goes missing or gets damaged - at home or while you're out.
Why add Personal Possessions Cover to your policy?
Home contents insurance covers the items while they’re inside your home. With this cover extension, you’ll get cover for the things you carry with you every day - both in the UK and when you’re abroad.
It’s useful if, for example:
- you travel to work or collegeyou travel to work or college
- you often take valuable items out of the house or away on holiday with youyou often take valuable items out of the house or away on holiday with you
- you’re a student moving between student accommodation and homeyou’re a student moving between student accommodation and home
- you’re a homeowner and want cover for your personal items in and out of your homeyou’re a homeowner and want cover for your personal items in and out of your home
- you’re a renter and want protection for your belongings wherever you are. Learn about Contents Insurance for rentersyou’re a renter and want protection for your belongings wherever you are. Learn about Contents Insurance for renters
What does personal items insurance cover?
With our Personal Possessions Cover, your personal items are protected against:
- Theft - for example, having your bag stolen when you’re travelling.Theft - for example, having your bag stolen when you’re travelling.
- Accidental loss - for example, losing your watch on a weekend away.Accidental loss - for example, losing your watch on a weekend away.
- Accidental damage - for example, dropping your laptop getting off the bus.Accidental damage - for example, dropping your laptop getting off the bus.
To give you peace of mind, you’re covered:
- anywhere in the UKanywhere in the UK
- for up to a total of 60 days abroad in one policy yearfor up to a total of 60 days abroad in one policy year
Personal items you’re covered for
Our Personal Possessions Cover includes you or your family’s:
- personal possessionspersonal possessions
- moneymoney
- credit cardscredit cards
- portable home office equipmentportable home office equipment
- mobile phonesmobile phones
By personal possessions, we mean things like:
- laptops and tabletslaptops and tablets
- jewellery and watchesjewellery and watches
- headphones and portable speakersheadphones and portable speakers
- camerascameras
- bags, purses and walletsbags, purses and wallets
- smartwatches and fitness trackerssmartwatches and fitness trackers
Your cover amount and specified items
For personal belongings valued at under £2,000, you can choose additional cover of between £1,000 and £10,000. But it depends on the policy you buy from us.
If you normally take anything worth more than £2,000 out and about with you, you can list it as a ‘specified item’. By doing that, you can be sure your engagement ring, smartwatch or camera is protected.
You can cover as many specified items as you like, as long as:
- No single item is worth more than £20,000No single item is worth more than £20,000
- The total value of your specified items isn't more than £20,000The total value of your specified items isn't more than £20,000
You can find out more about specified items in the policy booklet.
What’s not covered by Personal Possessions Cover?
Our Personal Possessions optional extra won’t cover the following:
- Your total excess, which is shown on your policy schedule. This is the amount you need to pay towards a claim.Your total excess, which is shown on your policy schedule. This is the amount you need to pay towards a claim.
- Any amount above the maximum claim limit shown on your policy scheduleAny amount above the maximum claim limit shown on your policy schedule
- Items used for business and professional purposes. (Unless it’s a portable item covered by our definition of home office equipment.)Items used for business and professional purposes. (Unless it’s a portable item covered by our definition of home office equipment.)
You should also note that loss or damage won’t be covered for some items. This includes:
- crowns, dentures, caps or fillings in teethcrowns, dentures, caps or fillings in teeth
- sports equipment when it’s being usedsports equipment when it’s being used
- camping equipmentcamping equipment
- bikes - see our Bicycle Cover for help protecting your bikebikes - see our Bicycle Cover for help protecting your bike
- china or glasschina or glass
- animals (loss of, or injury to, your pet - that's covered by pet insurance)animals (loss of, or injury to, your pet - that's covered by pet insurance)
You also won’t be covered for:
- wear and tear or gradual damage over timewear and tear or gradual damage over time
- any loss or damage that happened before the start date of the policy. Or before you added Personal Possessions Cover.any loss or damage that happened before the start date of the policy. Or before you added Personal Possessions Cover.
- damage caused by scratching, denting, cleaning or washingdamage caused by scratching, denting, cleaning or washing
- items taken from an unlocked car or unlocked hotel roomitems taken from an unlocked car or unlocked hotel room
For full details of cover, please see our Home Insurance Policy Booklet. This tells you about the features, benefits, limits and terms of the policy.
You can learn more in our guide - What’s not covered by home insurance?
Is Personal Possessions Cover included as standard?
You can add Personal Possessions Cover when you buy our contents cover. That can be with either of the following policies:
- Tesco Contents Insurance Tesco Contents Insurance
- Tesco Combined Home and Contents InsuranceTesco Combined Home and Contents Insurance
You can also add cover later, after you’ve bought your policy.
Please note:
- 1. Your cover starts from the date you add it to your policy. So any loss or damage before then won’t be covered.1. Your cover starts from the date you add it to your policy. So any loss or damage before then won’t be covered.
- 2. Personal Possessions Cover is an optional extra and there’s an additional cost.2. Personal Possessions Cover is an optional extra and there’s an additional cost.
Adding cover if you’re a new customer
You can add Personal Possessions Cover when you get a quote and buy a suitable Home Insurance policy.
Adding cover if you’re an existing customer
If you already have contents cover, please call us to add Personal Possessions Cover to your policy. You won’t need to pay an admin fee for this.
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Our Home Insurance options
Find the right cover to protect the place you call home. And save money with your Clubcard.
Contents Insurance
Covers the things you own in the house, garage, shed and garden. Suitable for homeowners and renters.
Buildings Insurance
Covers the house you own, the permanent fixtures inside it, and your garage and outbuildings. Suitable for homeowners.
Combined Home Insurance
Covers your building and contents in a single policy, which can be cheaper. Suitable for homeowners.
Home Insurance optional extras
Add optional extras to your Tesco Home Insurance policy. And get more cover to help with the unexpected.
Home Emergency Cover
Choose Essentials or Full Cover. Get 24/7 support and cover for a range of emergency repairs. From plumbing to electrical and security, and more.
Home Emergency cover is underwritten by Inter Partner Assistance S.A.
Family Legal Guard
Provides up to £100,000 in legal expenses. To help you or your family with personal injury claims, contract and employment disputes, and more.
Family Legal Guard is underwritten by AmTrust Specialty Limited.
Optional Accidental Damage Cover
Provides extra cover for your contents and building to help with accidents at home.
Help for Home Insurance customers
If you’re already a Tesco Home Insurance customer, find out how to manage your policy, check your documents or make a claim.
Important information
Tesco Home Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.
Home Emergency Cover is underwritten by Inter Partner Assistance S.A.
Family Legal Guard is underwritten by AmTrust Specialty Limited.
For full details of cover, please see our Home Insurance Policy Booklet. This tells you about the features, benefits, limits and terms of the policy.
Before you buy Tesco Home Insurance, it’s best to check the policy documents and make sure the policy you’ve chosen meets your needs.
The policy booklet and product information documents outline the benefits, limitations and exclusions that’ll apply to your cover.
For Home Insurance policies starting on or after the 22 May 2024
Home Insurance Policy Booklet (1258KB, pdf)
Home Emergency Cover Policy Booklet (269KB, pdf)
Family Legal Guard Policy Booklet (220KB, pdf)
For Home Insurance policies starting before 22 May 2024
Personal Possession Cover FAQs
Whether you need extra cover or not depends on your circumstances. However, it's important to note that:
Contents insurance covers your personal belongings while they’re in your home.
Personal Possessions Cover is optional extra cover. It covers your belongings:
- anywhere in the UK (including your home)
- when you or your family are abroad for up to 60 days in any one year
Also, Personal Possessions Cover includes accidental loss and accidental damage. These aren’t included with home insurance as standard.
Yes, phones are included with Personal Possessions Cover. But you might need to list a higher-value model separately, if it exceeds the single- item limit.
Yes, as long as they’re a member of the family. If you’re studying in the UK, your personal belongings can be covered while you’re away from home.
Personal Possessions Cover includes your laptop or tablet while you’re at university.
Yes. As long as the loss was accidental and you took reasonable care of the item.
Yes. You’re covered for up to 60 days abroad in total in one policy year.
Contact us
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