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You can no longer stay at your accommodation

You can no longer stay at your accommodation

You are looking forward to your Fiji trip next week, when you receive a phone call from your travel agent: there was a severe storm last night, and your resort is closed due to storm damage. Many hotels have been affected by the storm, so there is no available accommodation in the area.

They can book you into another similar resort at the same price for a week later, but it costs an extra $600 for the change to your flights, plus you had pre-paid for an island tour that you’ll now miss. Thankfully, your travel insurance can cover the cost of the change to your flights and tour so you’re not out of pocket.

We cover travellers when they can’t use their pre-booked accommodation, and have no option but to cancel or rearrange their trip, because of one of the following incidents:

  • 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 under this event, you must have made a reasonable effort to book alternative accommodation. You must also 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.

We don’t cover you when:

  • You should have known there could be a problem.

  • You didn’t comply with official warnings or warnings in the media – and failed to take appropriate action as a result.

  • 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 – 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.