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Your home in Australia is severely damaged

Your home in Australia is severely damaged

Two days before you’re about to go for a week skiing in Japan, a bushfire sweeps through your area and your home is burnt to the ground.

We cover travellers when they must cancel or rearrange an upcoming trip; or return home from a trip earlier than planned - because their home in Australia is severely damaged by:

  • Fire

  • Severe weather

  • Natural disaster

What to do

If this event happens to you, refer to our checklists for what to do when you have to cancel or change your trip.

What you need to know

To be covered, you must have bought your policy before:

  • You became aware of the fire, severe weather or natural disaster; or

  • The fire, severe weather or natural disaster was reported in the mass media.

Your home must also be ‘severely damaged’ – meaning it has been declared in writing as uninhabitable by the fire department, local council, your insurance company or a registered building practitioner such as a building surveyor.

We don’t cover you when:

  • You should have known there could be a problem.

  • You, your travelling companion, a family member or someone you were in collusion with caused or contributed to the destruction of your home.

  • Your claim arises from an act or threat of terrorism.

What you can claim

If you’re covered under this event, you can claim for the following (less your excess) – up to your plan’s trip limits.

If this event happens before your trip:

  • Cancellation costs - this includes unused, pre-booked accommodation, prepaid transport, prepaid tours, and prepaid tickets to public events.

  • Rearrangement costs – any costs to rearrange pre-booked accommodation, prepaid transport, prepaid tours, and prepaid tickets to public events – up to your plan’s trip limit or the cost of cancelling the whole trip, whichever is less.

  • Unused tourist visa costs - we'll cover any charges by the visa authority to reissue your prepaid tourist visa. If you have to cancel, we'll cover the value of any unused portion of your tourist visa.

If this event happens during your trip

  • Cancellation costs - this includes unused, pre-booked accommodation, prepaid transport, prepaid tours, and prepaid tickets to public events.

  • Extra trip costs – any extra accommodation, transport or tour costs over and above what you would've paid had your trip gone as originally planned.

Extra Cancellation Cover

If you’ve added the Extra Cancellation Cover option at the time of policy purchase, you’re covered for the above, up to the additional limit you’ve chosen.

Please note that this article is a summary only – please refer to the PDS for full details of cover, conditions and exclusions that apply.