Events

Why the Commonwealth Games and domestic insurance go hand in hand

Reading time: 3 minutes

The Commonwealth Games are about to take over Queensland – are you attending? It’s a great opportunity to pack up a car with your best mates and head across the country and enjoy the paradise that is the Goldie.

The Gold Coast is already a really popular holiday destination, attracting 12 million people a year, and approximately 672,000 visitors are expected to visit just for the games alone, according to Queensland Government). There’s certainly going to be a lot of commotion! But don’t forget, even if you’re from Australia, you are still a tourist in the Gold Coast.

You can be a tourist in your own country!You can be a tourist in your own country!

It might not feel like you’re a tourist in your own country, but you are! And what does every good traveller do before they leave for a trip? Get affordable travel insurance, of course.

The benefits of domestic travel insurance

You wouldn’t go to Europe without getting travel insurance to ensure you’re properly covered for anything that could happen, right? Well, a trip to the Gold Coast shouldn’t be any different. In fact, because the Commonwealth Games are expected to have a huge crowd in attendance, it’s always better to be prepared in case there are couple of people trying to take advantage of tourist’s good nature.

Like regular travel insurance, this cover prepares you for things that could otherwise be a holiday-ruiner. Here’s what it entails:

Cancellation costs

You never know! If you have your pre-paid, non-refundable travel and accommodation expenses all done and paid for when suddenly your flight is cancelled, or worse, the games are cancelled then you’ll want to be covered. Whatever deposits you make on the trip, make sure they are covered should you need to have to rearrange your trip or even cancel all together.

These costs are limited to $10,000 for a single policy and $20,000 for a family policy.

Car rental excess

You love your car, but it wasn’t going to make it the whole journey to the Gold Coast so you decided to rent a more reliable whip. Or maybe you decided to fly and now you need a rental. However, most who have rented vehicle before know that costs can add up quickly – that’s where car rental excess comes in.

Rental vehicle insurance excess means you won’t need to pay the rental car company to reduce any excess on their policy. We can cover excess up to $4,000, though you can increase it up to $6,000 for a premium. The vehicle does still need to be insured for damages (or theft) through them, however.

The following vehicles are covered with our policy:

  • Sedan,
  • Campervan,
  • Hatchback, and
  • Station wagon and,
  • Four wheel drive or mini bus/people mover.

The savings you could make on rental excess alone covers the cost of your travel insurance policy. In some instances getting a domestic travel insurance policy that covers rental vehicle excess is cheaper than opting to take out the excess reduction insurance with the rental company itself!

Luggage and personal items

Bags are all too easily lost or tampered with, even while you’re travelling in Australia. You might mix up your luggage with someone at the airport and not notice until too late, or even get your things stolen – either way, you’ll want to be prepared. There are some home contents polices that have a ‘portables’ policy that might cover you, but if you have permanent loss, theft or accidental damage you can still claim through us. If this is the case, you should submit the claim to both insurances and then you can claim one.

To note, luggage and personal effects are covered up to $4,000 on a single policy and $8,000 on a family policy.

What isn’t covered

While we’re here, it’s worth noting the situations that aren’t covered by domestic travel insurance. Here’s the complete list:

  • Medical expenses and ambulance costs in Australia,
  • Loss of income,
  • Out of pocket expenses,
  • Travel delay,
  • Return airfare,
  • Resumption of trip,
  • Special events,
  • Withdrawal of services,
  • Total permanent disability,
  • Business travel benefits.

For full information on what’s covered and what’s not covered you should check the PDS.


Author

TID is an Australian online travel insurance company.

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