1Cover Travel Insurance Review

N/A / 5.0 CTI Rating

CTI Verdict

1Cover is one of the stronger options in the New Zealand market, and a particularly good pick if you’re an older traveller – the Comprehensive plan has no upper age limit, which is genuinely rare when many insurers start restricting cover in your 70s. The policy is flexible and customisable, so it rewards travellers who take a few minutes to build it properly at checkout. Canstar NZ has recognised 1Cover for outstanding value across both international and seniors travel insurance, making it a great option for travellers who want extensive cover at a fair price.

Customer reviews

Irgibson

September 2017

Good Competitive Value Insurance

Very simple website and easy to use. The policies are well explained and easy to compare. I have used 1Cover several times for Overseas Travel Insurance and always found them to be very competitive in the pricing and comprehensive in the wording of the options.

Joe.moneaun

September 2017

Quick, Easy and Affordable

Easy to book via the website. A good price for a good level of cover. Did not make any claim so I am unable to comment on ease of/difficulty of doing this.

Clarke

September 2017

Must have travel insurance

We carried out a lot of shopping around for value for money for travel insurance . When we called 1 cover after seeing their prices on line we thought great affordable and had everything covered .Administration was very quick by email we were very happy.Thankfully everything went well and we didn't need to make a claim nothing lost stolen or otherwise. Thank you 1 cover .

Murchclan

September 2017

Easy to organise.

It was so simple. A minimum amount of time spent in applying for cover and very competitive rates. The way to go!

Vernsletterbox

September 2017

travel insurance

Quick, easy , no stress ,sorted. I would not go on holiday without 1Cover to look after me .It takes the stress out of any unfortunate situation that may occur on holiday .

Davepocock

September 2017

Simple and affordable

We have found1Cover to be extremely well priced and very easy to deal with!<br/>Representatives very helpful when contacting by phone!<br/>Very happy as we travel overseas at least once a year and have used 1 cover for the last two trips and will continue to do so!

Ajbuild

September 2017

Easy to get

Was easy to buy & as yet I have not had to claim but most items one could run into seem to be covered.

Paulshortis55

September 2017

Absolutely seamless service

I needed full cover for the Russian Far East and Arctic including emergency evacuation. 1Cover were able to provide without any fuss and at rates that no on else could compete with. They have a fast, straightforward online process and good follow up. Will definitely use them again.

Samantharoderique

September 2017

Easy

I didn't need to make a claim but otherwise it was easy to set up the trav insurance. Thank you

Pauline_watson

September 2017

Satisfied Customer

My husband and I bought joint, comprehensive insurance for 5 week overseas holiday with multiple destinations. <br/>Before buying, I researched a number of Insurance companies and chose 1Cover because it was easy to get; reasonably priced; provided comprehensive cover; gave polite and prompt communication.<br/>We did not need to make a claim

Shonamrose

September 2017

Helpful, friendly with no dramas

I was unlucky and had to claim on my insurance. My advisor was very helpful and friendly and they rescheduled my flights with no issue. Accommodation and other costs refunded less than 2 weeks later. I'd definitely recommend 1 cover and will use them again.

Rodenhaver99

September 2017

Awesome

I never look anywhere else for travel insurance, and always recommend 1Cover to friends, family, and people involved in my business. Hands down - best value for money and no hassles.

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