Terry P.
February 2020
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 my equipment?
Yes, if you purchase their Winter Sports Pack add-on. 1Cover provides coverage 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.
What additional extras are there?
Along with comprehensive cover for your electronics and personal belongings, additional cover can be purchased for specified items. There is also a cruise cover add for those going on a cruise, a Winter Sports pack add on for cover whilst skiing and a wide range of snow sports, an Adventure and Sports Pack to cover a range of activities and Car Hire Excess add-ons.
Am I covered if my tour company collapses?
1Cover doesn't provide protection from insolvency.
I'm not an Australian resident- can I buy cover?
You may be able to buy a policy if you are not an Australian resident. Make sure you read the PDS 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 Australia. If you plan to ride a motorcycle with an engine displacement greater than 125cc, you must have a valid motorcycle licence in Australia 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 travel insurance policies are underwritten HDI Global Specialty SE - Australia. 1Cover issues and manages the policies as an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457.
Where are they based?
Sydney!
I was surprised to find not all travel insurance policy covered cruising. This was a recommended policy and was cheaper than my usual company so I took out the coverage after reading the specs. Seemed good value but luckily I had no need to test the claims experience. Provide cover for rental car which was important with my trip.