"AHN" Insurance

The Australian Homestay Network (AHN) is proud to facilitate insurance for both Students and Hosts while in a current/active AHN Homestay placement under the Australian Homestay Network Master Insurance Policy (The Australian Homestay Network Insurance). Some of the benefits of the Australian Homestay Network Insurance are detailed below.

The Australian Homestay Network insurance is arranged by the AHN’s appointed insurance brokers, InterRISK Australia Pty Ltd (ABN 29 107 477 181) (AFSL No. 255 080) and is underwritten by QBE Insurance (Australia) Ltd (ABN 78 003 191 035).  For additional information regarding the Australian Homestay Networks Insurance, please download and read InterRISK’s Financial Services Guide and QBE’s Product Disclosure Statement by clicking on the link below:

To view the QBE Product Disclosure Statement and Cover Summary relating to this insurance product, please click the links below:

Product Disclosure Statement

Cover Summary

To view the InterRISK’s Financial Services Guide relating to this insurance product, please click here.

The coverage outlines in QBE's PDS contains a number of extensions, some of which are not available under the AHN insurance in order to keep premiums to an economic level.  The cover available to hosts and students under the AHN insurance is summarised below and in the Cover Summary:

Commencement and Conclusion of the Insurance

Insurance cover in relation to a particular AHN Student and Host:

(a) commenses automatically at the later of:

(i) the AHN Student entering into a Placement Contract; and

(ii) the time that the AHN Student first arrives at the Host Property for the purposes of residing there; and

(b) terminates at the earlier of:

(iii) the time that the AHN Student Permanently vacates the Host Property; or

(iv)  termination of the AHN Student's Placement Contract.

Insurance – Hosts

What are the Insurance Benefits for Homestay Hosts?

The Australian Homestay Network has insurance cover for the homestay host for:

  1. Deliberate or Malicious Damage caused by homestay students up to AU$10,000
  2. Illegal use of credit or financial transaction cards up to $5,000
  3. Compensation for Death as a result of physical injury caused by an Event (as defined in the Policy) on site up to $10,000 per period of insurance

Please note:  A $100 excess will apply for each incident giving rise to a claim.

Insurance – Students

What are the Insurance Benefits for Students?

The Australian Homestay Network has insurance cover for:

1.  The homestay student’s belongings up to AU$10,000 for loss or damage as a result of:

  • Fire, smoke or explosion
  • Storm, cyclone, lightning, hail or rainwater damage
  • Earthquake or tsunami
  • Theft or attempted theft
  • Riot or civil commotion
  • Burst Pipes
  • Impact by vehicle, aircraft, waterborne craft, or falling tree
  • Accidental breakage of fixed glass
  • Fusion of electric motors
  • Food Spoilage
  • Power surge
  • Erosion or subsidence
  • Damage by animals
  • Accidental Damage
  • Compensation for Death as a result of physical injury caused by an Event (as defined by the Policy) on site

2.  Personal liability up to $10,000,000 Australia-wide 

Please note:  A $100 excess will apply for each incident giving rise to a claim.

  

Contact for Insurance and Claims Enquiries

The contact for all insurance related enquiries is as follows:

Mr John Colless

Colless Consulting

Ph: 0419 706 624

Email:  johncolless@mac.com

 

Important Notices

PLEASE NOTE THAT THESE ARE IMPORTANT LEGAL DOCUMENTS AND THAT IF YOU CANNOT READ AND UNDERSTAND ENGLISH YOU SHOULD ASK A QUALIFIED TRANSLATOR TO EXPLAIN THE DOCUMENTS TO YOU.

THIS IS A SUMMARY ONLY OF THE COVER AVAILABLE UNDER THE AHN INSURANCE AND DOES NOT INCLUDE REFERENCE TO IMPORTANT QUALIFICATIONS, CONDITIONS, LIMITATIONS AND EXCLSUIONS APPLICABLE TO THE INSURANCE. PLEASE REFER TO THE POLICY WORDING/PRODUCT DISCLOSURE STATEMENT FOR FULL TERMS, CONDITIONS & EXCLUSIONS OF THE POLICY

THE CONTENT OF THIS WEBSITE DOES NOT CONSTITUTE GENERAL OR PERSONAL ADVICE AND DOES NOT TAKE INTO ACCOUNT ANY OF YOUR PARTICULAR OBJECTIVES, FINANCIAL SITUATION OR NEEDS. FOR INFORMATION REGARDING INSURANCE COVER UNDER THE AUSTRALIAN HOMESTAY NETWORK INSURANCE YOU SHOULD READ THE PRODUCT DISCLOSURE STATEMENT AVAILABLE ON THE ABOVE LINK.