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 $10,000 on our comprehensive plan for all items combined.
  However, single item limits apply; personal laptops and computers are insured up to $3,000, mobile phones and 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. High value items cannot be more than 12 months old except for medical aids.

• 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.  Specified high value items can only be added prior to your journey commencing.

• 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, watches, drones, or watercraft of any type (other than surfboards).

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

• Yes! You can purchase additional cover for your ski and snowboard gear. Our Winter Sports add-on also provides cover for unlimited overseas emergency medical and hospital expenses, $1,000 cover for resort closure, bad weather & avalanche, and $1,500 for loss or damage to your own snow sport equipment, but for cover up to $5,000 you can purchase the High Value items 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, watches, drones, or watercraft (other than surfboards). We also do not cover you for damages while your items are in use, such as 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?

• You can shop 'til you drop abroad as we provide cover for new purchases made on your journey, however the standard per item limits will apply.  We cannot insure any specified high value items for new purchases you make once your journey has commenced.