luggage and personal effects 

We offer up to $15,000 Luggage and Personal effects cover under our Comprehensive Travel Insurance. As well as up to $250 for theft of cash and $1000 for expenses to buy essential items if your luggage is delayed more than 12 hours. Sub-limits apply to how much we can reimburse you for depending on the type of items you are claiming for:
- $3,000 NZD for Personal computer, Video recorder or Camera 
- $1,000 NZD for Mobile phones & tablets (including PDA’s & any items with phone capabilities) 
- $750 NZD for Jewellery
- $750 NZD  for other unspecified items or sets 
 

We offer an additional $5,000 cover for High Value Items which you can add to your policy as you make your quote online. We cannot cover all items, for example we do not cover bicycles or watercraft other than surfboards, so make sure you check our full policy wording.  

If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then you may not be covered.

However, if you are not reimbursed the full amount of your claim, there may be a provision to claim for the difference between the amount of your loss and what you were reimbursed. However, the amount you can claim for will be based on the limit of your cover and needs to allow for depreciation due to the age, wear and tear.

Please note that you need to obtain a written statement outlining what you have been reimbursed from an airline, bus line or rail authority before a claim is lodged with 1Cover.

We cover you for essential expenses you have to pay because your baggage is delayed more than 12 hours. We cover $1000 to help you pay for necessities like toiletries, clothes, medicines, not to replace your entire bag’s contents. So move over Gucci and Prada, whilst you might have a preference for the nicer things in life, remember that our cover extends to the essentials that you might need. 

It varies between airlines but if your luggage is missing in action for somewhere between 21 days and 30 days the airline may declare it as lost and you can claim with the airline. For example with Air NZ, after 21 days if your baggage has not been located you can submit a delayed baggage claim online and complete their customer care form. If your baggage is lost and irrecoverable from the airline, you may have provision to claim on your travel insurance under lost luggage.  

Each claim is assessed on a case by case basis, and there may be a provision to claim for your phone. Please note that there is no cover available for damage to the screen nor for water (or any liquid) damage.

If your luggage is delayed more than 12 hours and you purchased essential items, we need receipts for those as well as baggage delay report, and letter showing you have not received compensation from the airline already. 
If an item is lost or stolen we need proof of ownership of items, a written police report, damage or repair report. For mobile phone claims, please block the IMEI with your network provider and provide written proof of this. 

You can maximise your claim amount by providing evidence of your items’ value such as receipts and bank or credit card statements showing the date purchased and the amount paid.  These days, it is relatively easy to obtain digital receipts from most stores. 

We only ask for the documents that we really need. So the best way to find out exactly what documents we require for your specific circumstances is to start an online claim. Your answers to the questions we ask about your claim determine what documents you'll need to provide.

In terms of determining ownership or proof that you purchased something, these are examples of what we may ask for:
- Receipts or invoices for non physical and physical purchases; 
- proof of purchase/ownership certificates; 
- documentation that confirms dates/locations (e.g. itinerary, ticket bookings, hotel confirmations);
- copies of credit card statements.
 

Proof of ownership (Receipts)
In most instances, where you cannot provide an approved proof of purchase or ownership, we may limit the amount payable to somewhere between $50 and $200 depending on the item, its value, category, and its age.  In some instances, we may decline to cover your item altogether.

You learn about our depreciation here.

Once you’ve made a claim and it’s been accepted, the value of your claim be depreciated depending on how old the item is and how much its original purchase price was.

No depreciation will be applied to goods purchased duty free prior to your departure or goods purchased during your journey or Specified High Value Items listed on your Certificate of Insurance.  We will not pay more than the original purchase price of any item.

You learn about our depreciation here.