HIGH VALUE ITEMS TRAVEL INSURANCE

WHY BUY HIGH VALUE ITEM COVER

• What is a high value item?

• Our standard luggage cover is available up to $7,500 for all items combined. However, single item limits apply; personal laptops and computers are insured up to $3,000, tablets up to $1,000, and all other items up to $750. If you have an expensive item that does not fit into these categories, you can choose to insure it separately for up to $5,000.

• Can I add high-value cover on all Zoom policies?

• No, please note that high value item cover is only available under our Comprehensive plan.

• How can I prove how much my item is worth?

• You will need to provide a receipt or letter of evaluation to prove worth and ownership.

• Does depreciation apply to high value items I specify with Zoom?

• No. We do not apply depreciation to any high value items you specify on your policy. Please note that we will not pay more than the original purchase price for any one item. We also have the option to repair or replace the item instead of reimbursing you for the item’s value.

• Can I add additional cover for jewellery?

• No, you cannot purchase increased cover for jewellery, snow sport equipment or watercraft (other than surfboards).

• Can I add additional cover for mobile phones?

• No, you cannot purchase additional cover for mobile phones. Our General Exclusion means and there is no cover for mobile phones or smart phones under any circumstances. 

• Does Zoom's high value cover include ski equipment?

• No, You cannot purchase increased cover for jewellery, snow sport equipment or watercraft (other than surfboards). However, our Ski Pack add-on over provides cover for unlimited overseas emergency medical and hospital expenses, $1,000 cover for piste closure, bad weather & avalanche, and $1,500 for loss or damage to your own snow sport equipment. You will also be covered for the value of any unused ski pass, ski hire or tuition fees (up to $750) following the loss or theft of your ski pass, or you being unable to ski following an accident or illness.

• Does Zoom cover golf clubs?

• Yes, our Golf Pack add-on provides cover for your own golf equipment (golf clubs, golf bag, golf trolley and golf shoes), golf equipment hire (golf clubs, golf bag, golf trolley and golf shoes), golf green fees and hole in one cover.

• Does Zoom cover bicycle/s?

• Yes. You will need to buy the Bicycle Pack add-on to cover your bicycle. 'Bicycle Pack' covers for any loss, theft of or damage to a bicycle. We will pay or reimburse you up to $5,000 for any one bicycle and the maximum amount we will pay for all claims combined is $15,000. You can cover up to five bikes under the Bicycle Pack. Please note: No cover is provided under this section for any bicycle accessories (including but not limited to tools, bicycle pumps, lights, helmets, etc.) as these items are covered under luggage and personal effects.

• What if I lose one of a pair?

• Some things are better in pairs! If you lose one item of a pair, we will reimburse you for the cost of both. So if you were to lose the one shoe, we would cover you for the pair.

• What items are not covered?

• You cannot purchase increased cover for jewellery, snow sport equipment or watercraft (other than surfboards). We also do not cover you for damages while your items are in use, such as golf clubs, surf boards, skis etc.

• What exclusions might affect my claim?

• We do not cover for general deterioration of your belongings or any damage due to cleaning, repair or alteration, or wear & tear.

• If I buy an expensive item on holiday, can I insure it from overseas?

• As much fun as it is to shop ‘til you drop abroad, we cannot insure any new purchases you make when you are already overseas. Only belongings you had prior to taking off will be covered.