Insurance for oz, help please!

[jtk23]

hi there im travelling to Perth soon to work but am not sure what sort of personal accident insurance would be best to get to cover me for any injury that i might sustain over there. i assume normal travel insurance wont cover me because of the work i am doing? is it best to take a policy out in the UK or is it better to get cover when im in australia. if anyone has any advice or can even recommend a policy/insurance company that they used in a similar situation it would be greatly appreciated ! seems like an important thing to get sorted before heading over. cheers

[madbopper]

I don't think any company over here will cover you for over there but I could be wrong. have you had personal cover before as I found it impossible to get if your a climber. I found it easier to combine it with my public liability.

[jtk23]

no i never have taken out a policy over here, probably should have done but like you say being a climber can make it tricky. maybe the best thing is to try and get a policy once in australia ? when i search for it online just comes up with normal travel insurance or comapny insurance in oz which isnt what im after !

[madbopper]

Are you working for a company or will you be self employed. If employed by a company you probably don't need any as the employers liability cover over there is very good and you will be well covered.

[jtk23]

ill be working for a company so maybe its not as big an issue as i thought. ill speak to them on the matter specifically. in the mean time if anyone has anymore advice please share !

[jtk23]

just checked and yeah the companies policy will cover me while im with them. might still get travel insurance as im going out on a working holiday visa so will have to change companies at some point so want to be covered for all eventualities. thanks for the help.

[Gnarlyoak]

Yes mate you should be covered by the insurance of whatever co you work for, for work related accidents. But double check with them that you will be covered for any eventuality, yes a few stitches or a broken bone might be covered, but if your left paralysed from the neck down or a head trauma renders you a vegetable, will it cough up for months of hospital care and then an air ambulance back to Blighty!?!

 

But would definitely recommend you sort out your own additional travel insurance before you go. Not for healthcare, as a UK citizen, the UK & Ozzy governments have a reciprocal arrangement whereby citizens from either country are entitled to receive free public healthcare at source if needed. But, for things like losing your belongings when your in country. Say you get robbed or are involved in an accident when all your luggage gets blown up on a coach while your eating Roo burgers at an outback service stop. Or some pickpocket nicks your phone and passport while your "pished" at the bar, or your laptop slips into the water whilst your on a cruise around Sydney harbour. And that kind thing... etc...

 

Have Fun.... ya jammy get....