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Transport troubles

Transport troubles

It's inevitable that the more you travel, the more likely it is that you will experience transport issues at least once. Travel insurance can help you with some of the associated costs when you're already on your trip and run into trouble getting from A to B.

Note that the events covered below are for when you are already travelling. If your trip hasn't started yet and something's gone wrong with your transport, see Cancel or change your trip.

3.1 - You miss your flight, other scheduled transport or tour (and it's really not your fault)

We cover travellers when they miss their scheduled public transport or overnight tour when they are prevented from getting to their departure point on time due to:

  • Severe weather or natural disaster; or

  • A motor vehicle, railway, air or marine accident; or

  • A riot, strike, or civil commotion, or

  • Hijacking

What you can claim

If you're covered under this event, you can claim for the following, up to the trip limits for your plan:

  • 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, tour or visa costs over and above what you would've paid had your trip gone as originally planned.

3.2 - Your flight, other scheduled transport or tour is delayed and IT'S NOT the operator's fault

We cover travellers when their scheduled public transport or overnight tour is delayed, rescheduled or cancelled when they're on their trip due to:

  • Severe weather or natural disaster; or

  • A motor vehicle, railway, air or marine accident; or

  • A riot, strike, or civil commotion, or

  • Closure of the airport, port, station or other designated point of arrival or departure (by the relevant authority)

  • Emergency landing or diversion

  • Hijacking

What you can claim

If you're covered under this event, you can claim for the following, up to the trip limits for your plan:

  • 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, tour or visa costs over and above what you would've paid had your trip gone as originally planned.

3.3 - Your flight, other scheduled transport or tour is delayed and IT IS the operator's fault

For the first time, we now cover transport events (after you've departed on your trip) where scheduled public transport or overnight tours are suddenly and unexpectedly delayed, rescheduled or cancelled, and it's the operator's fault. We cover travellers when they are:

  • Delayed from departing by more than six hours from your original departure time.

  • Unable to get to a one-off performance or function before it starts.

  • Unable to get to an overnight tour or cruise before its scheduled departure.

What we mean by 'the operator's fault'

The delay, rescheduling or cancellation is the operator's fault when it's a result of things like:

  • Maintenance issues or repairs

  • Timetable changes /p>

  • Service faults

  • Corporate takeovers

  • Industrial activity other than a strike

What you can claim

If you're covered under this event, you can claim for the following, up to the trip limits for your plan:

  • Waiting around allowance - if your delay is more than six hours, we'll pay a $50 allowance for each full or partial 12-hour period after that, which can be used on whatever you like - no receipts required.

  • Extra accommodation costs - any extra accommodation and related transfer costs over and above what you would've paid had your trip gone as originally planned (capped at $200 per primary traveller, per night).

  • Unused arrangements - we'll reimburse you for pre-booked accommodation, day tours, transfers and public events that you can't use as a result of the delay.

  • Missed flight, other transport or tour amendment fees - If you miss a prepaid flight, overnight tour or other scheduled public transport as a result of the delay, we'll reimburse you for any fees associated with amending the booking.

  • Getting to a one-off performance, function, tour or cruise on time - we'll pay for the cost of alternative travel arrangements (at the fare class originally booked) to get you to a one-off performance or function, overnight tour or overnight cruise on time. Note: we will only do so if the alternative arrangements the operator offers you won't get you there on time and would mean a delay of more than 3 hours from the original departure time.

My overnight tour was cancelled because they didn't have enough people sign up. Am I covered for this?

No - we don't cover you when your tour is cancelled due to insufficient numbers. Having said that, in such a scenario it's likely that the tour operator will provide a refund.

Please note the above is a summary only - for full details about these events and the rules that apply, please read the PDS.