Seasonal Worker and RSE Insurance

Property Cover

Our Seasonal Worker & RSE Protect plans do not provide automatic property cover. However, there are two possible options to insure your personal belongings, for example your laptop or mobile phone.

Option 1 - Specifying Your High-Value Items

You can specify the items you want to insure for up to a maximum of NZ$10,000 per item. We will charge an additional premium for this at the rate of 2% of the total value of the items specified. For instance, if you specify a mobile phone valued at NZ$1000, then the additional premium charged is NZ$20 (NZ$1,000 x 2%). 

If you wish to insure specified property items, please contact your Employer or email

Option 2 - General Baggage Cover

Alternatively, there is an option to include general cover on baggage and personal effects if you do not wish to specify individual high-value items. The general cover on baggage and personal effects option has a cover limit of NZ$1,000 per item and NZ$5,000 in total. The additional premium charged under this option is 15% of the premium for your insurance period.


When you make a claim with us, an excess is the amount you need to contribute.

On our Seasonal Worker and RSE Protect plans, you don’t need to pay an excess if you claim under Section 2 Medical Expense, Section 3.3 Early Return Home or Section 3.6 Travel Delay.

For all other claims, there is a $50 excess. This means that when we settle your claim, we deduct $50 from the amount we pay back to you.