The Amount You Pay For This Insurance Options

The Amount You Pay For This Insurance

You can obtain a quote from Travel Insurance Saver. The amount we charge you for this insurance policy is the total amount of the premium that we calculate to cover the risk and any relevant government charges (such as GST and stamp duty). These amounts add up to the total amount you must pay.

Once the policy is issued your total premium and any relevant government charges are shown on the Certificate of Insurance.

If you change your policy in any way you may be entitled to a partial premium refund or required to pay an additional amount.

How Various Factors Affect The Amount Payable

We consider a number of factors in calculating the total amount payable. The key factors that affect the amount you pay include the plan, the area to which you are travelling, your age, the excess, the duration of your journey and whether you take out additional cover.

The following is a guide on how these factors combine together and may impact on the assessment of risk, and therefore your premium.

• Plan – the International Plan I, which provides more cover, costs more than the domestic plans.
• Area – higher risk areas cost more.
• Age – Plan I costs more for some travellers who represent a higher risk.
• Excess – the higher the excess the lower the cost.
• Duration – the longer your trip the more it usually costs.
• Extra Cover Options – additional premium may apply.