Winter Sports Travel Insurance

If you love taking to the slopes or trying out new activities on your holiday, our winter sports add-on is available at an additional cost with your travel insurance.

From snowboarding and skiing to glacier walking or husky dog sledding, there are some magical winter sports experiences to discover. Winter sports holidays can come with a higher risk of needing to make a travel insurance claim, and it’s important not to assume that your standard policy covers all incidents.

Tesco Travel Insurance offers an optional winter sports add-on at an additional cost to your travel insurance policy. This includes:

  • Cover for the accidental loss of, theft of or damage to your own ski equipmentCover for the accidental loss of, theft of or damage to your own ski equipment
  • Medical cover for taking part in winter sports, including cost of treatment or repatriationMedical cover for taking part in winter sports, including cost of treatment or repatriation
  • Help with the cost of hiring replacement ski equipment if your ski equipment is lost, stolen or damagedHelp with the cost of hiring replacement ski equipment if your ski equipment is lost, stolen or damaged
  • Compensation if a lack of snow or an avalanche results in the skiing facilities at your resort being closed. Conditions applyCompensation if a lack of snow or an avalanche results in the skiing facilities at your resort being closed. Conditions apply
  • Reasonable additional accommodation (room only) and transport if you are delayed by 24 hours or more by an avalanche or landslideReasonable additional accommodation (room only) and transport if you are delayed by 24 hours or more by an avalanche or landslide

Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.

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 Europe Limited (AmTrust).

      What does the winter sports add-on cover?

      Features

      Economy

      Standard

      Premier

      Ski equipment (owned)

        £500

        Single article limit of £500

          £1,000

          Single article limit of £500

            £1,500

            Single article limit of £500

              Ski equipment (hired)

              Cover for loss, theft or damage to ski equipment you have hired.

                £300

                  £300

                    £300

                      Ski equipment hire

                      If you need to hire equipment if yours is lost, stolen or damaged.

                        £300

                        £25 per day

                          £300

                          £25 per day

                            £300

                            £25 per day

                              Piste closure

                                £300

                                £30 per day

                                  £300

                                  £30 per day

                                    £500

                                    £50 per day

                                      Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.

                                      Medical cover for your sports or ski holiday

                                      When you choose Tesco Travel Insurance for your snowboarding or ski trip, you’re covered for medical emergencies too. Plus, depending on your level of cover, you’ll have access to a 24/7 helpline where you’ll be able to speak with an English-speaking doctor virtually or by telephone.

                                      We’ll also help you with expenses for unexpected accidents or injuries, including treatment, transport or getting home if needed. For ways to stay safe on the slopes, check out our winter sports safety tips.

                                        Who is our winter sports travel insurance add-on for?

                                        Our winter sports add-on is for anyone looking for ski insurance or cover for other winter sports on their holidays. It’s not for professional sports or entertainment and racing events.

                                          Some little helps to get you on your way

                                          • 24/7 helpline available in case of medical emergencies.
                                          • Unlimited cover for medical expenses and repatriation costs. An additional premium may be required to cover any pre-existing medical conditions or add-ons.
                                          • Get an increased cash cover limit if you buy your travel money from Tesco Travel Money.

                                          Choosing your travel insurance policy

                                          Whether you’re only planning on one winter getaway in the next year, or have a couple of ski adventures planned, you can find the right travel insurance policy for you.

                                          With Clubcard Prices, Clubcard members get a 10% discount when you buy direct. Discount doesn’t apply to Later Life cover or add-ons. Just enter your Clubcard number when you get your quote.

                                              Optional extras and add-ons

                                              When you take out Tesco Travel Insurance you’ll have the option to add-on other extras like cruise cover or gadget cover.

                                              You can choose to add the optional extras and additional cover to your Single or Multi Trip cover for an extra cost. Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.

                                                Travel Insurance FAQs

                                                Tesco Travel Insurance provides cover for your pre-existing medical conditions – after you have purchased your policy, you must contact our medical screening helpline on 0345 030 6124 if:

                                                • you are diagnosed with a new medical condition;
                                                • you experience new or recurring symptoms or have an undiagnosed condition;
                                                • your doctor or other medical professional make any changes to your prescribed medication including the dosage;
                                                • you receive in-patient medical treatment; or
                                                • you are placed on a waiting list for investigation or medical treatment;

                                                When you call, we will ask you specific questions about your medical condition(s).

                                                After you complete your declaration, you may need to pay an additional premium to allow cover to continue for your pre-existing medical conditions and associated conditions. There is also a chance that we will not be able to provide you with cover for these conditions, in which case we will cancel your policy and refund you a portion of the amount you have currently paid unless you have not made a claim and do not intend to make a claim.

                                                  Tesco Travel Insurance can provide cover for pre-existing medical conditions - when you purchase the insurance, you must tell us about the pre-existing medical conditions of anyone to be insured on the policy. If you do not tell us about any pre-existing medical conditions, this may impact any claim you make. Please note there may be an additional charge to cover some medical conditions.

                                                  The policy will be void if you travel against the advice of a medical practitioner or your public transport provider.

                                                  If you are in any doubt, you should call to check whether you're covered for your medical condition before you travel. Please call 0345 030 6124*.

                                                  If you purchased or renewed your travel insurance policy on or after 4th September 2024:

                                                  Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by AWP P&C S.A.

                                                  If you purchased or renewed your travel insurance policy before 4th September 2024:

                                                  Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

                                                  Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

                                                    A wide range of sports and activities are covered as standard on all of the policies at no additional cost as long as you are participating on a recreational and non-professional basis during any trip and you are following local laws and regulations and using any recommended safety equipment.

                                                    A full list of sports covered as standard and any exclusions can be found in the policy booklets under SPORTS AND OTHER ACTIVITIES. You should check this list to ensure you are covered before participating.

                                                    Optional Golf Cover and Winter Sports Cover may be available to purchase at extra cost to provide more cover for those specific sports trips.

                                                    Monetary limits, excesses and exclusions apply, for full details please refer to your policy booklet.

                                                    Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.

                                                      Yes, cruise holidays are covered under the normal policy terms and conditions. You should ensure that you have cover for all the destinations that you will visit on the cruise.

                                                      Optional cruise cover is also available at an additional cost on some policies and covers missed port of departure, cabin confinement, itinerary change and unused excursions. If you have a Later Life policy this cover is automatically included in your policy.

                                                      Monetary limits, excesses and exclusions apply, for full details please refer to your policy booklet.

                                                      Tesco Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch.

                                                        Policy and additional cover documents

                                                        View and download policy-related documents and other important cover information.

                                                          How we collect and use your personal data

                                                          Tesco Personal Finance PLC (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 2024AWP 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 2024Inter Partner Assistance S.A. (IPA) to underwrite Tesco Travel Insurance policies purchased prior to 4 September 2024
                                                          • AmTrust Europe Limited (AmTrust) to underwrite Tesco Travel Insurance Gadget CoverAmTrust Europe 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 Europe 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: