Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Civil disorders or better known as or civil unrest, demonstrations, riots, or strikes are becoming ever more common in today’s world.
With risk of injury and travel disruptions, it’s important to know where you stand in terms of your cover. Keep reading to learns the ins and outs of travel insurance when it comes to political unrest and civil disorder…
The short answer is yes, most travel insurance companies cover unforeseen riots and civil unrest if there is a disruption to your journey. However, they may not cover for cancellations due to change of mind if you decide you no longer want to go and airlines were still flying.
Every insurer will offer varying degrees of cover. As always, benefits will differ across ranging cover levels. The following summarises the riots and civil unrest benefits across a range of travel insurers:
|Insurer||Underwriter||Is cover offered?||Conditions||Buy Now|
|1Cover||Certain underwriters at Lloyd's||Covered for additional accommodation and travel expenses if a disruption to your journey arises due to riot or civil unrest.|
|Mitsui Sumitomo Insurance Company Limited||Covered for cancelations if your home or business has been made uninhabitable, up to 14 days before the start of your trip, due to riot or civil commotion. Also covered for unforeseen Curtailment.|
|Chubb Insurance Australia Limited||Covered for additional accommodation and travel expenses if disruption of your scheduled transport because of riot or civil commotion if this was unforeseen.|
|Budget Direct||Auto & General Services Pty Ltd||Additional expenses - The cancellation, delay or diversion of your scheduled transport caused by riot or civil commotion, but only those expenses that you cannot claim from someone else.|
|Columbus Direct||Certain underwriters at Lloyd's||You are covered if your scheduled transport is delayed by at least 6 hours from the time shown in the official itinerary as supplied to you due to riot or civil unrest.|
|Cover-More||Zurich Australian Insurance Limited||You're covered for additional accommodation and transportation expenses as a result of natural disasters.|
|Downunder||Certain underwriters at Lloyd's||Covered for additional accommodation and travel expenses if a disruption to your journey arises due to riot or civil unrest.|
|Fast Cover||Hollard Insurance Company Pty Ltd||Covered for additional travel and accommodation expenses you incur if a disruption to your scheduled transport because of unforseseen riots or civil commotion.|
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||No cover under the policy.|
|Itrek||Certain underwriters at Lloyd's||Covered for additional accommodation and travel expenses if a disruption to your journey arises due to riot or civil unrest.|
|Simply Travel Insurance||Certain underwriters at Lloyd's||Covered for reasonable additional travel and accommodation expenses if a disruption to your journey arises due to the cancellations, delays, rescheduling or diversions to your scheduled or connecting transport.|
|Tick||Mitsui Somoto Insurance Company Limited||Covered for accommodation, meal and travelling expenses if your trip is disrupted, or you are required to return to your home in Australia, because of the cancellation, delay or diversion of your scheduled transport caused by riot, strike or civil commotion.|
|Travel Insurance Saver||Pacific International Insurance Pty Ltd||If a civil unrest or Riot interrupts your pre-paid travel arrangement, you may be covered up to the chosen policy limit for cancellation fees and lost deposits. Consider the PDS and TMD from TIS and if the policy is right for you.|
|Virgin Money||Allianz Australia Limited||Covered if a disruption arises due to the cancellations, delays, rescheduling or diversions to your scheduled or connecting transport.|
|Zoom||Certain underwriters at Lloyd's||Covered for reasonable additional travel and accommodation expenses if a disruption to your journey arises due to the cancellations, delays, rescheduling or diversions to your scheduled or connecting transport.|
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
It’s important to understand that restrictions can apply to your cover to countries that are already experiencing instability when you book your holiday.
As soon as a riot, strike, or demonstration occurs the government (DFAT) will issue a travel warning for that region or country. As soon as this warning has been issued, restrictions may apply to your cover as the event is now “known”. Just like you can’t buy car insurance for a car you have just crashed, you can’t buy travel insurance that will cover you for an event that has already happened. It has to be unknown and unforeseen for your insurance to be valid.
You can check Smartraveller.com.au to see all the latest travel advice around the world.
Bear in mind you also might not be covered to travel to regions with a level 4 or 5 government warning, as they are deemed very risky. Should you choose to travel to a country against government warnings your cover benefits may be rendered void
Changing your mind: Travel insurance doesn’t cover you for change of mind. There might be a few providers out there that would cover you for cancelling your trip due to fear of riots or civil unrest, but this is not the norm. Generally speaking, if your airline was still flying, travel insurance wouldn’t cover you for changing your mind.
Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.