XCover's simple, fast and stress-free repair and replacement process delivers peace of mind if your item is stolen or it has damages or defects that aren't covered by the manufacturer's warranty. You’ll also be protected if your item is lost, damaged or stolen in transit.Protect your purchase with XCover
XCover's simple, fast and stress-free repair and replacement process delivers peace of mind if your item is stolen or it has damages or defects that aren't covered by the manufacturer's warranty. You’ll also be protected if your item is lost, damaged or stolen in transit.How does XCover work?
XCover is an authorised Australian insurance provider on eBay, with over 7 million customers globally and an average 4.7 out of 5 stars from thousands of reviews on Google and Trustpilot. XCover's simple, fast and stress-free repair and replacement process delivers peace of mind if your item is stolen or it has damages or defects that aren't covered by the manufacturer's warranty and you’ll also be protected while your item is in transit.
24/7 Global Support
Our worldwide support team is right there when you need a helping hand - anywhere, any time.
Trusted to Protect
We're backed by the world's top-rated insurers, including Lloyd's, Chubb, AON, and Munich RE. Plus, thousands of customers rate us '5 stars' on Trustpilot.
Instant payments & claims
When it comes to claims, no one likes to wait. We've replaced snail mail and paper trails with an easy online process and instant payments.
24/7 Global SupportOur worldwide support team is right there when you need a helping hand - anywhere, any time.
Trusted to ProtectWe're backed by the world's top-rated insurers, including Lloyd's, Chubb, AON, and Munich RE. Plus, thousands of customers rate us '5 stars' on Trustpilot.
Instant payments & claimsWhen it comes to claims, no one likes to wait. We've replaced snail mail and paper trails with an easy online process and instant payments.
Better Coverage, No Worries
XCover provides repairs or replacement of products listed below. While replacement is required if your items are stolen or the damage can't be fixed, repairs are undertaken by licenced local technicians who will fix damaged products in your home, at a local repair shop or in our service centres.
Electronics and Appliances
When purchasing electronics or appliances on eBay you'll see an offer for XCover product protection which protects the item against theft, defects and damage that's not covered by a manufacturer's warranty, such as water damage.
Furniture
When purchasing furniture on eBay you'll see an offer for XCover Full Furniture Protection which protects the item against theft, manufacturer defects and damage that's not covered by a manufacturer's warranty, such as liquid or flood damage.
Eyewear
XCover's 20/20 Eyewear Cover provides theft and damage protection for all types of eyewear purchased on eBay including sunglasses, glasses and prescriptions.
Tools, Sporting and Outdoor Equipment
When purchasing power tools and sports, gardening and other outdoor equipment on eBay you'll see an offer from XCover for protection against theft, manufacturer defects and accidental damage that is not covered by the manufacturer's warranty.
Generous Jewellery Cover
XCover's Generous Jewellery Cover provides theft and damage protection for all types of jewellery purchased on eBay including rings, necklaces, earrings and more.
Auto Parts and Accessories
When purchasing car parts or accessories on eBay, you'll see an offer for XCover's Full Product Protection which will protect auto parts and accessoring purchased on eBay during transit and for accidental damage, extended warranty and theft.
Electronics and Appliances When purchasing electronics or appliances on eBay you'll see an offer for XCover product protection which protects the item against theft, defects and damage that's not covered by a manufacturer's warranty, such as water damage.
FurnitureWhen purchasing furniture on eBay you'll see an offer for XCover Full Furniture Protection which protects the item against theft, manufacturer defects and damage that's not covered by a manufacturer's warranty, such as liquid or flood damage.
Eyewear XCover's 20/20 Eyewear Cover provides theft and damage protection for all types of eyewear purchased on eBay including sunglasses, glasses and prescriptions.
Tools, Sporting and Outdoor Equipment When purchasing power tools and sports, gardening and other outdoor equipment on eBay you'll see an offer from XCover for protection against theft, manufacturer defects and accidental damage that is not covered by the manufacturer's warranty.
Generous Jewellery Cover XCover's Generous Jewellery Cover provides theft and damage protection for all types of jewellery purchased on eBay including rings, necklaces, earrings and more.
Auto Parts and Accessories When purchasing car parts or accessories on eBay, you'll see an offer for XCover's Full Product Protection which will protect auto parts and accessoring purchased on eBay during transit and for accidental damage, extended warranty and theft.
FAQ
Why add XCover Protection?
XCover is an authorised insurance provider on eBay, with over 7 million customers globally and an average 4.7 out of 5 stars from thousands of reviews on Google and Trustpilot. XCover's simple, fast and stress-free repair and replacement process delivers peace of mind if your item is stolen or it has damages or defects that aren't covered by the manufacturer's warranty. Your item will also be protected while it is in transit.
Who is XCover?
XCover is owned by Cover Genius, an Australian company that was recently ranked #1 in the Financial Times list of fastest-growing companies. Cover Genius has won dozens of industry awards in the US, EU, UK, Asia, India and Australia for its claims handling and customer support and has investment from one of the world’s largest insurers, Sompo. XCover's policies are backed by some of the world's largest insurance companies including Lloyd’s, Generali, Sompo, Swiss Re and Munich Re. You can visit XCover.com to find out more.
How do I purchase protection from XCover?
If XCover Protection is available for the item you are planning to purchase, you'll be able to add protection from XCover on the eBay item page or when you add items to your cart, or when you click "Buy It Now".
Where are my XCover Protection documents?
To protect your privacy, your XCover documents are not sent via mail. To view your documents, wording and invoice, you first need to log in to your XCover Account.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
Is my XCover Protection tied to the eBay item that I purchased at the same time?
Yes that's correct. When you purchase an item on eBay and the corresponding XCover Protection, the coverage is specific for that item. This means the policy can't be substituted for another product, even if it's the same make and model. Your eBay item is mentioned in your policy wording. To view your policy wording or make changes, simply login to your XCover Account or, if you are yet to purchase XCover Protection, click the “policy terms” link.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
How long are my items protected for?
When you purchase XCover Protection on eBay your items are protected for an initial period shown in your policy wording. The duration is usually one year from purchase but you can check in the item listing. Many policies can be extended for life by clicking the “Lifetime Protection” activation link in the email that we send immediately after purchase.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
How do I get lifetime protection?
Most eBay items are eligible for XCover's Lifetime Protection. Just click the “Lifetime Protection” activation link in the email that we send immediately after purchase and your protection will automatically renew at the end of the initial coverage period. You can cancel it at any time (i.e. when you sell the item) and you only pay upon renewal.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
How do I make a change, cancel or get a refund for my XCover Protection?
You can cancel your XCover Protection at any time. Refunds are available up to a date that is shown in your policy wording (typically 28 days from purchase). You can cancel your XCover Protection via your eBay dashboard or by logging in to your XCover Account.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
What should I do if I haven't received my XCover document?
It might take up to two hours to receive your confirmation via email. If you still don’t have a confirmation email and it’s not in your spam, promotions or social folders after this time has passed, feel free to reach out for help.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
What's covered?
With XCover Protection, depending on your policy you’re covered for accidental damages and defects not covered by a manufacturer's warranty. For more details on what's covered, please log in to your XCover Account and check your policy wording. If you are yet to purchase XCover Protection you can, click the “policy terms” link for specific information about the XCover policy offered for the item you’re looking at on eBay.
What is my coverage limit?
Your coverage limit is the same as the price that you paid on eBay. So if your items need replacing because the repair cost exceeds the value or they've been stolen, the item will be replaced or we'll issue you a store credit. If the item can be repaired, we'll arrange that.
For specific details about your policy, including the specific coverage limit for your item, please log in to your XCover Account. If you are yet to purchase XCover Protection you can, click the “policy terms” link for specific information about the XCover policy offered for the item you’re looking at on eBay.
How do I file a claim?
Please visit xcover.com/claim to start the quick and hassle free claims process. The online claim form will guide you through this process and the dedicated claims team at XCover aims to complete 95% of claims within 3 days of claim lodgement. Keep an eye on your emails for further instructions once you've lodged your claim. Find out more in our Help Centre.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
The seller cancelled my purchase or I have an INR (“Item Not Received”). How do I get a refund?
You can cancel your XCover Protection at any time. Refunds are available up to a date that is shown in your policy wording (typically 28 days from purchase). To view the wording or make changes, or to cancel your policy, simply log in to your XCover Account.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
Does XCover Protection cover items that are damaged during transit?
Yes, XCover Protection covers items during transit if they are lost, damaged or stolen.
My item broke. Do I go to the eBay seller, the manufacturer or XCover.com?
If your item is relatively new it is likely covered by the eBay Money Back Guarantee. If that is no longer applicable, some items have manufacturer warranties that may cover your damages. If not, you can visit xcover.com/claim to start the quick and hassle free claims process. Depending on the type of claim and the date of purchase, our friendly claims team may refer you to either eBay or the manufacturer as the initial step.
I can’t add XCover Protection to my purchase. Why is that?
We are working with eBay to improve the availability of XCover Protection on their site. At the moment XCover only provides protection for a selection of products on eBay. If the protection is not offered on the eBay listing of an item, we, unfortunately, can’t cover it.
Is there an excess?
The applicable excess differs per policy and is shown in your policy wording in your XCover Account. To view your wording or make changes, just log in to your XCover Account or, if you are yet to purchase XCover Protection, click the “policy terms” link in the item listing.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
Is XCover Protection available for new, used and refurbished goods?
Yes, when purchasing on eBay you may see an offer for used and refurbished items.
Is my substitute product still covered by my XCover Protection?
If you purchased a product that is unavailable via ebay and you receive a substitute, your XCover Protection will apply to the new product. You do not need to inform us of the change.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
Is XCover available using Afterpay?
We currently accept PayPal, Google Pay, MasterCard and Visa payments, but are working on activating Afterpay.
When does my XCover Protection start?
Your XCover Protection starts immediately after purchase. We understand that it can take several days for your item to be shipped so - to give you peace of mind - all XCover Protection includes an extended refund/return window as detailed in your policy wording. Once your policy is confirmed, you can view the wording or make changes from your XCover Account. If you are yet to purchase XCover Protection, click the “policy terms” link for more information.
Important! When you first visit XCover you will need to activate your account. Simply find the XCover confirmation email in your inbox and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. From your XCover Account, you can make a claim, make changes and view your policy wording.
How does XCover calculate pricing?
Multiple factors including insurance claim costs and item price influence the price of XCover Protection. Prices are continually updated so they may change between visits (sometimes higher and sometimes lower). If the price has gone up we’re unfortunately unable to revert to the old price.
Am I covered for missing items from my order?
The eBay Money Back Guarantee seller issues rather than XCover. Please contact the seller or eBay to flag any missing items from your order. View your Purchase History to get started.
How long will my refund take?
When you cancel your XCover policy we process your refund instantly. However, it might take some time for the funds to reach your account. While we issue refunds immediately when you cancel a policy, some card issuers may take up to 14 days to complete the refund. At any time we encourage you to speak to your card issuer or check your Paypal account for an update. If you have contacted PayPal with a dispute regarding your item and PayPal issues a refund for your item, your protection will be automatically cancelled.
Do I need to tell XCover if I change my home address?
No. You don’t need to inform us of any address changes however you can update your personal details within your XCover Account at any time. You may be asked to confirm your address when making a claim.
You should consider the terms of the PDS/FSG/TMD. Pacific International Insurance Pty Ltd ABN 83 169 311 193 is the underwriter, XCover, a trading name of Cover Genius Pty Limited ABN 43 159 983 598, AFSL 490058 is the issuer and eBay Marketplaces GmbH ABN 64 652 016 681 is the authorised representative (AR No.001264309).