I think cover letters are extremely important if your experience is not in the field. It needs to explain why you are trying to switch fields and assure me that you are not just looking for a paycheck while continuing to search for something in your primary field. Without that, I delete your resume pretty quickly as I don't want to train someone who doesn't want to be there.
I think the same applies to a location. If you are looking to move note that in the cover letter.
I would add the same note if you are over qualified as well. Basically, anything that will jump out to me as a problem should be addressed in the cover letter or the resume may be ignored as too much hassle.
On an unrelated note, and it could be just me, I find it odd when people state that they have their grade 11. If you said nothing I wouldn't think/care about it, especially if you have a work history.
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