Hearl
August 2018
Got questions?
Frequently asked questions
How many people can I include in my policy?
The more the merrier right? 1Cover insures groups of up to 25. That means more fun for less hassle.
Am I covered if I go on a cruise?
No, not automatically. If you're cruising for more than 2 nights you must purchase their Cruise Pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.
Am I covered for skiing and for my equipment?
Yes, if you purchase their Winter Sports Pack add-on. 1Cover provides coverage for up to $1,500 for skiing equipment. Adventurous skiers can even enjoy off-piste skiing (within resort boundaries).
Can I pay to reduce or cancel my excess?
Yes, you can pay an additional premium when you purchase your policy to reduce the standard excess from $200 to $100.
What additional extras are there?
Along with comprehensive cover for your electronics and personal belongings, additional cover can be purchased for specified items up to a total amount of $5,000.
Am I covered if my tour company collapses?
1Cover doesn’t provide protection from insolvency.
I’m not a New Zealand resident- can I buy cover?
You may be able to buy a policy if you are not a New Zealand resident. Make sure you read the Policy Wording to check their eligibility criteria.
What size moped or motorbike am I covered to ride overseas?
1Cover provides coverage for riding a moped or scooter with an engine displacement of 125cc or less, provided you hold a current and valid driver’s licence in New Zealand. If you plan to ride a motorcycle with an engine displacement greater than 125cc, you must have a valid motorcycle licence in New Zealand for the specific class of motorcycle you are using.
How long is their single trip cover for?
12 months.
Can I extend my policy from overseas?
Having too much fun? No problems! You can extend your policy with 1Cover for up to a year. You can apply to extend your policy through their online policy manager.
Do they cover for my rental vehicle excess?
Yes, up to $5,000 under domestic policies. For international coverage, you must purchase the Rental Vehicle Insurance Excess Pack. This coverage applies to a variety of vehicles, including a campervan, car (4WD, coupe, convertible, hatchback, sedan, SUV, utility, van), minibus, motorhome or people mover that is equal to or less than 4.5 tonnes.
Who underwrites them?
1Cover ® is a registered trademark of 1Cover Pty Limited. 1Cover NZ Ltd, Company No. 1588084, FSP472306 (a NZ company) arranges this insurance as an Appointed Representative of Coffre-Fort Pty Ltd, ABN 66 125 358 518, AFS Licence No. 472457. HDI Global Specialty SE, a company registered in Germany acting through its New Zealand branch, HDI Global Specialty SE – New Zealand (FSP 774050).
Where are they based?
Auckland
What is the cooling off period?
14 days
Your claims office assumed my wife's injury automatically precluded us from travel when it was 10 days later when she was first admitted to hospital that the holiday was under threat. Lew Hearl.