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Product Protection | Zip

Protect your favourite things against life's mishaps with affordable, worldwide cover.

Add protection

Shop confident.

With an instant quote, worldwide cover, and excess that's never excessive, enjoy peace of mind that's affordable and so so easy. Your items are covered worldwide for up to 12 months against:

  • Accidental damage
  • Theft
  • Product failure or damage not covered by the manufacturer's warranty

Now available on selected Zip Pay and Zip Money purchases.

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Zip. Click. Covered.

  • Instant and affordable

    Get instant cover for little things or bigger buys. You can protect items valued from as little as $30 up to $5,000, knowing that the excess is capped at $100.

  • Worldwide cover,
    fast claims 24/7

    Your items are covered worldwide, and if things don't go as planned, you can make a claim 24/7 in minutes, with 95% of claims processed within 3 days.

  • Manage everything in one place

    Manage your cover anytime, anywhere, all in one place with the Zip app. Add protection up to 90 days after purchase, with cover available for single or multiple items in one policy.

How to add protection

During purchase

At checkout

You'll see an instant quote when you checkout. Simply tap 'Add' to add protection.

After purchase

Up to 90 days later

In the Zip app, go to the Pay tab > Tap Protect purchases and follow the steps.

Add protection to your purchase

Meet XCover

XCover is Zip's protection partner. XCover is owned by Cover Genius (recently ranked #1 in the Financial Times list of fastest-growing companies) and their policies are backed by global insurance companies including Lloyd's, Generali, Sompo, Swiss Re and Munich Re. XCover has won dozens of industry awards in the US, EU, UK, Asia and Australia for their claims handling and customer support.

Problem with a purchase?
No problem

Shop safely with Zip and if something goes wrong with your purchase, doesn't arrive, or is significantly not as described–don't stress. We're here to support you throughout the refund process with our Buyer Protection Policy. Eligibility and exclusions apply. View Buyer Protection details.

Frequently Asked Questions

  • Your protection starts when you purchase the policy through the Zip app and is valid for 12 months from the start date. You can find the start and end dates for your protection in your policy wording, which can be accessed through the Zip app. Your policy will automatically renew after 12 months, but you will have the option to opt out of the renewal if you like.

    To view your policy in the Zip app, go to the Pay tab, click 'Buy Product Protection', go to your 'Active' policies and click on the policy you want to view.

    You can also view your wording by logging into your XCover account.

    We will contact you prior to your renewal date to confirm your policy renewal.

Can't find what you're looking for?

Get all the support you need, when you need it by exploring the help centre or by contacting our team at Zip HQ in Sydney.


  • * Exclusions apply. Please read the Policy Wording, the Product Disclosure Statement (PDS), the Financial Services Guide (FSG), the Zip Financial Services Guide (FSG) and the Target Market Determination (TMD) before making a decision to purchase this Product Protection. Any advice given has not taken into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
  • ZipMoney Payments Pty Ltd ABN 58 164 440 993 (“Zip”) is an authorised representative (AR no. 001296011) of Cover Genius Pty Ltd ABN 43 159 983 598 AFSL 490058 (“Cover Genius/ XCover”) to arrange for the issue of the general insurance products and provide general advice on general insurance products for the insurer, Pacific International Insurance Pty Limited ABN 83 169 311 193, AFSL 523921. When Zip provides these financial services to you, Zip is acting as an agent of Cover Genius.