Gadget travel insurance.
Add Gadget Cover to your Tesco Travel Insurance policy and get extra holiday cover for the tech you’re taking with you.
Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by AWP P&C S.A. Gadget Cover is underwritten by AmTrust Specialty Limited (AmTrust).
Travel and gadget insurance
Travel with your tech, but without the worry. With Gadget Cover, you can protect your gadgets in case they get lost or damaged while you’re away.
What is gadget insurance?
Gadget insurance can help if your gadgets get lost, stolen or accidentally damaged on your trip. You add it to your Tesco Travel Insurance policy to cover the tech you’re taking on holiday. And it includes:
- travel insurance for phones - protection for your essential holiday device - for maps, tickets, taking photos and keeping in touchtravel insurance for phones - protection for your essential holiday device - for maps, tickets, taking photos and keeping in touch
- laptop travel insurance - helpful cover if you plan to take a personal computer or work device away with youlaptop travel insurance - helpful cover if you plan to take a personal computer or work device away with you
- camera travel insurance - peace of mind while you preserve those precious memoriescamera travel insurance - peace of mind while you preserve those precious memories
Monetary limits, excesses and exclusions apply. Please see the policy booklet for more information.
What does gadget insurance cover?
Our Gadget Cover includes cover up to £3,000 per person for:
- loss, theft, accidental damage or malicious damage to the gadgets you take on your triploss, theft, accidental damage or malicious damage to the gadgets you take on your trip
- devices like phones, laptops, tablets, e-readers, cameras and smartwatchesdevices like phones, laptops, tablets, e-readers, cameras and smartwatches
What you need to know about your cover
To be included in your Gadget Cover, your gadgets must’ve been:
- bought new or refurbished from a UK VAT-registered company and supplied with a proof of purchasebought new or refurbished from a UK VAT-registered company and supplied with a proof of purchase
- bought second-hand or given to you as a gift. As long as you have the original proof of purchase and a signed letter from the original owner to say you now own them.bought second-hand or given to you as a gift. As long as you have the original proof of purchase and a signed letter from the original owner to say you now own them.
- if bought overseas, bought from a company with the equivalent tax registration and supplied with a proof of purchaseif bought overseas, bought from a company with the equivalent tax registration and supplied with a proof of purchase
Your gadgets must also be in full working condition before your trip.
Limits and conditions apply. For full details, please see the policy booklet.
What you need to know about making a claim
To make a claim on your Gadget Cover, you must:
- have valid proof of purchasehave valid proof of purchase
- take reasonable care of your gadgets - for example, don’t leave them unattended*. They should be within your sight and within reach, locked away, or otherwise secured if not in use.take reasonable care of your gadgets - for example, don’t leave them unattended*. They should be within your sight and within reach, locked away, or otherwise secured if not in use.
- if claiming for your phone, have valid proof of using your phone prior to making a claimif claiming for your phone, have valid proof of using your phone prior to making a claim
- have enabled the manufacturer’s security features on your device. For example, you’ve turned on Find my on an iPhone, iPad or Mac.have enabled the manufacturer’s security features on your device. For example, you’ve turned on Find my on an iPhone, iPad or Mac.
You should also note that a £50 per-person excess applies to all Gadget Cover claims.
Examples of leaving your gadgets unattended
*By unattended, we mean leaving:
- a phone or laptop on a table in a café or bara phone or laptop on a table in a café or bar
- a device visible in a locked cara device visible in a locked car
- a gadget in the baggage hold of a plane, or in the luggage compartment of a bus, coach or traina gadget in the baggage hold of a plane, or in the luggage compartment of a bus, coach or train
- your bag (with a gadget inside) out of your sightyour bag (with a gadget inside) out of your sight
- your phone on a beach blanket or sun loungeryour phone on a beach blanket or sun lounger
- your phone at the side of a pool while you’re swimmingyour phone at the side of a pool while you’re swimming
- your phone, tablet or laptop charging somewhere publicyour phone, tablet or laptop charging somewhere public
- your phone in a changing room or locker that isn’t securedyour phone in a changing room or locker that isn’t secured
What isn’t covered by gadget insurance?
Our Gadget Cover doesn’t include the following:
- items left unattended or not reasonably protecteditems left unattended or not reasonably protected
- any theft or loss of a device on which the manufacturer’s security features haven’t been turned on. For example, where Find my hasn’t been enabled on an iPhone, iPad or Mac.any theft or loss of a device on which the manufacturer’s security features haven’t been turned on. For example, where Find My hasn’t been enabled on an iPhone, iPad or Mac.
- cosmetic damage or wear and tearcosmetic damage or wear and tear
- software issues or data losssoftware issues or data loss
- using your gadgets in a way that isn’t allowed by the policy - for example, while taking part in water-based activities, like diving.using your gadgets in a way that isn’t allowed by the policy - for example, while taking part in water-based activities, like diving.
- theft or loss of an item which hasn’t been reported to the local police within 24 hours and there’s no crime reference numbertheft or loss of an item which hasn’t been reported to the local police within 24 hours and there’s no crime reference number
For full details of what is and isn’t covered, please see the policy booklet.
Is Gadget Cover included as standard?
You can choose Gadget Cover as an optional extra when you apply for Tesco Travel Insurance. It can help to protect the tech you’re taking away with you for an additional cost.
Does travel insurance cover phone theft?
Mobile phones aren’t included under standard baggage cover. By adding Gadget Cover to your policy, you’ll have travel insurance for phones, tablets, laptops and other important devices.
Gadget Cover is available as an add-on if you buy Economy, Standard or Premier cover with any of our Travel Insurance policies. We offer:
- Single Trip Travel InsuranceSingle Trip Travel Insurance
- Annual Multi-Trip InsuranceAnnual Multi-Trip Insurance
- Backpacker Travel InsuranceBackpacker Travel Insurance
Find out more about Travel Insurance
Find cover for a short break abroad or your next big adventure. And save with your Clubcard when you buy direct*.
*Excludes add-ons.
Travel Insurance optional extras
Explore more optional extras available with Tesco Travel Insurance.
Cruise Cover
Including cover for:
- Missed port of callMissed port of call
- Cabin confinementCabin confinement
- Shore excursions coverShore excursions cover
Winter Sports Cover
Including cover for:
- Winter Sports EquipmentWinter Sports Equipment
- Piste ClosurePiste Closure
- Search and RescueSearch and Rescue
Help for Travel Insurance customers
If you’re a Tesco Travel Insurance customer, find out how to manage your policy, get in touch or make a claim.
Important information
About Tesco Travel Insurance
Tesco Personal Finance Ltd (trading as Tesco Insurance) acts as an intermediary for this policy and partner with Rock Insurance Services Limited (ROCK) to arrange and administer Tesco Travel Insurance. ROCK partner with:
- AWP P&C S.A (AWP P&C) to underwrite Tesco Travel Insurance policies purchased on or after 4 September 2024
- Inter Partner Assistance S.A. (IPA) to underwrite Tesco Travel Insurance policies purchased prior to 4 September 2024
- AmTrust Specialty Limited (AmTrust) to underwrite Tesco Travel Insurance Gadget Cover
Tesco Insurance will receive data from ROCK. ROCK will process and share data with AWP P&C, IPA & AmTrust Specialty Limited (where applicable) to underwrite your policy and process claims. You can find out more about how these firms process and share your data via:
- AWP P&C in the ‘Privacy Notice’ of the Policy Wording document and Allianz Assistance website
- IPA on the AXA Assistance website
- AmTrust website
Policy and additional cover documents
Check and download policy documents and important cover information.
Gadget insurance FAQs
Your phone isn’t covered as standard with Tesco Travel Insurance. You’ll need to add Gadget Cover to your policy if you want to include your phone or other mobile devices.
Accidental damage is sudden, unexpected damage - for example, dropping your phone. You won’t be covered for wear and tear or cosmetic damage, like dents and scratches.
If you leave items unattended, they aren’t usually covered by gadget insurance. Always keep your gadgets on you or safely locked away.
To make a claim, you should follow the process set out in the policy booklet. For example, you’ll need to provide proof of purchase - like a receipt or order confirmation - for each device you intend to claim for.
Contact us
We’re here to help if you need support with something while you’re away.