Area of Travel
Where you travel to will inﬂuence your premium. So, when you get a quote online here or over the phone, you need to tell us your destinations. Simply select from the list of countries and areas provided.
Where are you travelling to?
You will need to choose the main destination based on where you will spend the most time on your journey. Cover will also be included to all other destinations that fall within the same region as your primary destination. For example, if you choose "Switzerland" as your primary destination, this is part of the "Europe, Asia and Middle East" region of travel. This means you are also covered for travel to all other destinations within this region including the like of France, China, Dubai or Italy.
Travelling to the Americas or Africa?
If you'll be spending 20% or more of your trip in the Americas or Africa, you must select "Anywhere in the world" or " Worldwide including the Americas or Africa" or enter and select a country of the Americas or Africa (no matter where you are going before or after).
Stopping over somewhere?
If you are stopping in a country for less than 72 hours, you do not need to enter or select that country.
What about a cruise?
In Australia (e.g. on the Murray River) or in Australian coastal waters (e.g. a Kimberley Cruise) - Please choose or enter "Australia"
From a port in Australia to another port or ports in Australia without any stopover at a port outside of Australia (e.g. a 'Sampler Cruise', a cruise from Sydney to Brisbane) - Please choose or enter "Domestic Cruising".
Overseas (e.g. a European river cruise, Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/Singapore) - Please choose or enter the main area or destination/country based on where you will spend the most time on your trip.
Looking for an Annual Multi-Trip policy?
Please enter and select the country or region which will cover all the countries you plan on visiting over the year and where you will spend the most time taking into account the 20% rule above for the Americas and Africa. Cover includes domestic journeys if the destination is more than 250 kilometres from home or, if less than that, Your trip must include at least one night paid accommodation booked with an accommodation supplier or provider (including a hotel, Bed & Breakfast (B&B), serviced apartment or peer to peer service such as Airbnb).