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Providing Protection Through Homestay Insurance

The Australian Homestay Network (AHN) has been responsible for ensuring both hosts and students have appropriate and guaranteed insurance since we commenced our operations in 2008.

It is a requirement under the AHN program for hosts to have appropriate liability insurance protection for themselves and students and appropriate cover for students’ belongings.

In 2017, AHN developed an exclusive insurance program in conjunction with its appointed Insurance Broker to provide protection for hosts and students under one policy. The policy has been designed specifically for AHN hosts and AHN managed students in a homestay situation. We currently deduct an AHN Homestay Insurance fee of 50c per student per night from the weekly host payment for this coverage.

From 1 January 2019, all AHN approved hosts and AHN students will be automatically covered under AHN’s insurance policy. There will be no cost deducted from host payments for this coverage. If you have previously purchased a policy to cover you for AHN homestay placements, you will no longer require this as of 1 January 2019 as you will be insured under the AHN policy.

The policy is underwritten by XL Insurance Company SE (ABN 36 083 570 441), part of the global XL Catlin Group. A brief summary of the benefits are outlined below.

Interest Insured:

Section A
Indemnifying all Host Families of Australian Homestay Network Pty Ltd for their legal liability in respect of personal injury, property damage and advertising liability occurring during the period of insurance in connection with the hosts’ business or activity as a host family for Australian Homestay Network Pty Ltd as per the policy terms, conditions and exclusions

Section B
Indemnifying all International Students and Eligible Asylum Seekers of Australian Homestay Network Pty Ltd for their legal liability in respect of personal injury, property damage and advertising liability occurring during the period of insurance whilst residing with a host family for Australian Homestay Network Pty Ltd as per the policy terms, conditions and exclusions.

Section C
Indemnifying all Students and Eligible Asylum Seekers for loss of personal effects happening whilst residing at the premises of an accredited host family for Australian Homestay Network Pty Ltd as per the policy terms, conditions and exclusions

Limit of Liability:

Section A
$20,000,000 any one Occurrence and in the aggregate for all Personal Injury and Property Damage occurring during the Period of Insurance including defence costs & expenses

Section B
$20,000,000 any one Occurrence and in the aggregate for all Personal Injury and Property Damage occurring during the Period of Insurance including defence costs & expenses

Section C
$10,000 any one loss and in the aggregate

Deductible(s):

Section A
$500 each and every occurrence including costs & expenses

Section B
$100 each and every Occurrence including costs & expenses

Section C
$100 each and every Claim

The full Policy details can be found at this link

Special Condition

 The coverage provided under this insurance only applies during the actual period when a guest is staying with an accredited AHN host

 PLEASE READ FULL POLICY WORDING AND PRODUCT DISCLOSURE STATEMENT BY CLICKING HERE 

 INSURANCE BROKER INFORMATION

ACM Insurance Brokers Pty Ltd

AFSL 281790

Email: info@acmib.com.au

Phone: 03 90129720

Postal Address: PO Box 6446, St Kilda Road Central, VIC 8008

For a copy of ACM Insurance Broker’s Financial Services Guide, please click here

 Please get in touch with our Head Office team at info@homestaynetwork.org if you have any questions about the above.

 

IMPORTANT DISCLAIMER

AHN DOES NOT PROVIDE INSURANCE OR OTHER FINANCIAL SERVICES OR ADVICE. 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 AHNINSURANCE AND DOES NOT INCLUDE REFERENCE TO IMPORTANT QUALIFICATIONS, CONDITIONS, LIMITATIONS AND EXCLUSIONS APPLICABLE TO THE INSURANCE. PLEASE REFER TO THE POLICY WORDING/PRODUCT DISCLOSURE STATEMENT FOR FULL TERMS, CONDITIONS & EXCLUSIONS OF THE POLICY

THE CONTENT ON THIS PAGE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE ADVICE AND DOES NOT TAKE INTO ACCOUNT YOUR NEEDS, OBJECTIVES OR FINANCIAL SITUATION. FOR INFORMATION REGARDING INSURANCE COVER UNDER AHN INSURANCE YOU SHOULD READ THE PRODUCT DISCLOSURE STATEMENT AVAILABLE ON THE ABOVE LINK, SPEAK TO THE BROKER (USING THE CONTACT DETAILS ABOVE) AND/OR SEEK INDEPENDENT LEGAL OR FINANCIAL ADVICE.

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I was very thankful that my damaged carpet was replaced- the peace of mind provided knowing that your insurance would cover the damage helped me so much.