Personal liability cover

Personal liability cover




Kids go free. T&Cs apply.


If you have an accident overseas and become liable for damages, compensation and legal expenses, the cost for yourself and your family can be high.

Whether it’s damage to property, or you are responsible for the injury of another person, we provide cover for up to $1,000,000 for eligible claims under the personal liability section of our policy.

Important conditions

  • If the unexpected happens and you feel that you might be liable, it’s important that you do not admit fault or liability to any other person without our written consent first.
  • Legal liability must be established in either an Australian court or in a court in the country where the event occurred.
  • There are some scenarios where we would not be able to pay your claim, for example, if the event relates to the use of motor vehicles, legal costs resulting from criminal proceedings or injury to members of your immediate family.

Please read the Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) including Policy Wording for a full list of what is and isn’t covered.

Who do you call?

If you become liable for an incident overseas, remember to stay calm. Our Worldwide Emergency Assistance Team is available 24 hours a day, 7 days a week on +61 2 9191 1180.

If you’re calling from Australia, you can reach us Monday – Friday 8.30am to 5pm AEDT/AEST on 1800 196 484.

TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. SCTI is a member of the Australian Financial Complaints Authority (AFCA). AFCA has replaced the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) schemes, so that consumers have access to a single External Dispute Resolution (EDR) scheme. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined FSG and PDS before buying this product, to ensure that our travel insurance product is right for you.

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

Copyright © 2020 Southern Cross Benefits Limited