FAQ


The following Summary of Cover should be read in conjunction with the PDS/Policy Wording and the Key Facts Sheet (KFS).

SUMMARY OF COVER

WHAT IS THE HOMESTAY HOST PROVIDER GROUP CODE?
Upon registration with a Homestay Provider, you will be provided with an exclusive 'Homestay Host Group Code'. This code needs to be entered when purchasing your cover and is a mandatory field in the electronic purchasing process. If you are unsure of the code please consult your Homestay Provider before purchasing cover.
WHAT AM I COVERED FOR?
  • Liability - the policy provides protection for you up to a limit of $10,000,000 should you become legally liable to pay as a result of a claim or legal proceeding against you from your Homestay Student for Personal Injury or Property Damage. An optional $20,000,000 limit can be purchased if required.
  • Contents and Building Damage - cover up to $5,000 is provided should any damage caused by the Homestay Student occur to either your home or its contents.
  • Accidental Death - provides accidental death cover up to $5,000 to you and your spouse who permanently reside in your home during the period of the Homestay Student's stay.
  • Wallet Guard - if your wallet is stolen, the policy will cover the value of the wallet, the cost to replace personal papers and credit cards and any associated application fees.
  • Fraudulent Charges - if your credit cards are lost or are stolen by the Student and are used to make unauthorised charges, the policy will reimburse the unauthorised charges that you are responsible for on your lost or stolen credit card up to 12 hours prior to your first reporting the event to your card issuer.
  • Key and Lock Replacement - if your Homestay Student loses your keys, the cost to cut duplicate keys and replace your locks is covered. The cover also extends to cover your car keys and, if your car locks cannot be replaced within 24 hours, the cover will also provide a rental car for you until the locks are replaced.
  • Identity Theft - if your identity is compromised, the policy will reimburse you for expenses related to resolve an identity theft such as legal expenses and lost wages for time off from work.
  • Student Personal Effects Cover (Optional - additional premium applies*) - Covers the Students Personal Liability (up to the Public Liability limit selected) and loss (excluding cash) or damage to a Students Personal Effects in your home up to $10,000 per annum.
PRICING
The Homestay Host Insurance-Plus cover is AUD$115 or AUD$125 per year depending on the cover option selected, including all statutory charges, premium and brokerage. For an additional $50 you can add Student Personal Effects cover* . A credit card surcharge of 1% will also apply.
WHAT IS THE EXCESS I HAVE TO PAY IN THE EVENT OF A CLAIM?
You will be required to pay the first $100 in relation to any individual claim made under the policy during the period of insurance.
AM I COVERED FOR STUDENTS FROM MULTIPLE PROVIDERS?
You will need to have the Group Provider Code from one of our registered Group Providers in order to buy the insurance policy. However once you have the policy in place it will cover students you host from any provider as long as the students are enrolled in an Australian school or tertiary institution.
HOW MANY STUDENTS CAN I HOST?
You are not limited in the number of students you can host during the insurance year and your Host Provider will only require the one confirmation of cover each year - which is sent automatically when you first purchase cover.
CAN I RENEW MY INSURANCE?
Each year you will receive an email asking if you wish to renew your cover for another 12 months and you are able to do this via the Website. Your Host Provider then receives an updated confirmation.
HOW DO I PURCHASE MY HOMESTAY HOST INSURANCE-PLUS™ COVER?
Simply visit www.homestayhostinsuranceplus.com and complete an easy questionnaire online. Once you have paid by credit card, you will be able to print your Certificate of Insurance. Confirmation of your purchase will be automatically sent to your Host Provider to ensure your Host application is not delayed.
HOW EASY IS IT TO CLAIM?
The Insurer has a claims team ready to assist you. For a detailed Claims Procedure please visit www.homestayhostinsuranceplus.com for more information.
WHAT ARE MY RESPONSIBILITIES?
When you buy insurance, you are responsible for keeping your details up to date and providing correct information. You must also comply with your Duty of Disclosure when you apply for insurance and each time you renew your cover. This essentially means you must provide honest answers to any questions we ask relevant to us arranging cover for you. Further information can be found in the Product Disclosure Statement provided to you.
WHO DO I CONTACT IF I HAVE A COMPLAINT?
Should you have a complaint regarding the Homestay Host Insurance-Plus Product - these can be directed to info@homestayhostinsuranceplus.com where all attempts to resolve your complaint will be made. Failing that, you will be referred to the financial Ombudsman Service which will act independently to resolve your Complaint.
WHAT IF I LOST MY POLICY SCHEDULE?
Upon purchasing your cover via the website, you will be prompted to enter in an email address and password. You will then be able to access the site to obtain copies of your Policy Schedule, Policy Wording and other relevant documentation. Furthermore, you will also receive an email notification of your purchase along with copies of all relevant documentation.
CANCELLING YOUR POLICY
You have 14 days after you receive the policy wording and confirmation of cover to check that the policy and benefits meet your needs. This is known as the Cooling Off Period. During the Cooling Off Period you may cancel the policy and receive a full refund of all premiums paid. To cancel the policy during the Cooling Off Period, please send us your written request to cancel the policy to info@homestayhostinsuranceplus.com and a copy of the Policy Schedule. The Cooling Off Period ceases if a claim is made before the 14 day Cooling Off Period has expired.
HOW DOES THIS POLICY WORK IF I ALREADY HAVE A HOME & CONTENTS POLICY IN PLACE?
This policy works as a stand-alone policy with no need for another policy to be in place. If a claim has been notified, then provided that the loss is within our coverage limits, the claim will be accepted. Although, if an existing home & contents policy is in place, either policy could be triggered in the event of a claim, depending on the incident that has taken place and who was involved - this would be determined at the time of the incident.
CONTACT INFORMATION
Simply email info@homestayhostinsuranceplus.com. If you like to contact us by telephone our number is 1800 88 11 34.

For more information regarding the Homestay Host Insurance-Plus product please visit us at www.homestayhostinsuranceplus.com or speak with your registered Homestay Host Provider for more information.