"AHN" Insurance

The Australian Homestay Network (AHN) has established Australia's most comprehensive compulsory homestay insurance cover.  AHN Insurance is designed to give industry "best practice" protection for both AHN Hosts and AHN students.

Our Policies are broken down into two distinct components:

1. AHN Students Householders Insurance (Insured Events Home and Contents Policy QM113-0708)

Covering Students Personal Effects while residing at the Premises of an Accredited AHN Host and Personal Liability Australia-wide. 

  • Including a special component for accidental damage within the host's home

Contents and Personal Effect: Maximum $10,000

Personal Liability: $20,000,000

Policy Excess:  $100 for each and every claim

NB:  Please read product disclosure statement (link further below) for full details of cover.

 

2. AHN Host Liability Insurance (Austbrokers Broadform Liability Insurance QM2316-0510) 

Indemnifies You for Your legal liability to pay all sums by way of compensation, and all costs awarded against You in respect of: 

  • Personal Injury 
  • Property Damage 
  • Advertising Liability 

happening during the Period of Insurance and caused by an occurrence within the Territorial Limits in connection with Your Business or Activity as a Host Family for Australian Homestay Network Pty Ltd. 

Sum Insured: $20,000,000 any once occurrence and/or any one Period of Insurance

Policy Excess: $5000 applicable for all claims – costs inclusive

NB: Please read product disclosure statement (link further below) for full details of cover.

 

The cover arranged for both 1 & 2 above is as per detailed in the relevant product disclosure statements and is automatically included for all AHN officially recognised placements and is not applicable for non AHN placements.  

The Australian Homestay Network insurance is arranged by the AHN’s appointed insurance brokers, CITYCOVER (AUST) PTY LTD (ABN 99 010 699 537) (AFSL No. 241087) and is underwritten by QBE Insurance (Aust) Ltd (ABN 78 003 191 035) (AFSL No. 239 545).  For additional information regarding the Australian Homestay Networks Insurance, please download and read Citycover’s Financial Services Guide and QBE’s Product Disclosure Statement by clicking on the links below.

 

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

1. Product Disclosure Statement (AHN Students Householders Insurance)

    a.  Cover Summary 

    b.  Claim Procedure 

2.  Product Disclosure Statement (AHN Host Liability Insurance)

    a.  Cover Summary

    b.  Claim Procedure 

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

The coverage outlined in QBE's PDS contains a number of amendments, some of which are not available under the AHN insurance in order to keep premiums to an economic level.  The cover available to 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. commences 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:

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

    (ii)  termination of the AHN Student's Placement Contract 

 

Insurance Broker Contact Details

Mal Llora

CITYCOVER (AUST) PTY LTD

Registered Insurance Brokers

ABN 99 010 699 537

Email: mal.llora@citycover.com.au 

Phone:  07 3270 1508

Postal Address: GPO Box 851

  Brisbane QLD 4001 

 

Important Notices

PLEASE NOTE THAT THESE ARE IMPORTANT LEGAL DOCUMENTS AND THAT IF YOU CANNOT READ OR 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.