I have a travel insurance policy with QBE that covers me for annual multiple trips that are no longer than 60 days each.
Great! I went surfing in Chile, Fiji and diving in Cairns this year, so the cover was perfect until… Planning to DRIVE to Manilla, NSW, Australia to do some camping and flying (Paragliding).
I decided to phone QBE to confirm my policy covers me. They assured me it does Call Reference: 2100629760
I then read my Multi Trip Annual policy package online at:
Annual Multi Trip – Friendly Advert
I then read their policy details and small print, being the law abiding citizen that I am:
QBE Travel Insurance Product Disclosure Statement.pdf
In the case of the Annual Travel Plan trip means a period of travel
undertaken by you during the period of insurance, that includes
pre-paid scheduled public transport for travel for a minimum of 200 km:
(a) commencing when you leave your normal place of residence or
workplace in Australia, provided you travel from there directly to your
point of departure, or if you do not travel directly to your point of
departure then when you arrive at your point of departure; and
(b) ceasing at the earlier of;
(i) when you arrive at your normal place of residence or
workplace in Australia, provided you travelled there directly
from your point of arrival, or if you do not travel directly to
your normal place of residence or workplace then when you
arrive at your point of arrival;
(ii) 60 days after the commencement of the relevant trip; or
(iii) the expiry of the period of insurance.
The period of travel cannot be altered without our consent.
I then called them again REF: 2100975393 and mentioned that I am not sure they cover me if I DRIVE to my holiday destination in Australia. I also said that their advertisement for the policy is not clear enough to mention that you MUST take SCHEDULED PUBLIC TRANSPORT at least 200km – commencing from home.
The man on the phone (very friendly), told me that he needs to consult with admin staff. After a few minutes he gets back to me on the phone and says that I am covered. 3 minutes into the conversation, I ask him for an email confirming that I am covered. Then he suddenly says that actually I am not covered and the admin staff now agree that I am not covered.
So I said that to be covered:
I would have to drive my car up to my destination ( I want my car during my holiday).
Then catch a train back home.
Then officially schedule a taxi and train back up to my holiday destination, then I am covered?
He said, “yes”.
So in summary, to be covered for this, I need to follow the above procedure. Crazy?
So what does QBE really stand for?
Quite Bad Experience
I kindly asked for a refund due to their false advertising where they do not explicitly say that you must catch scheduled public transport for a Multi Annual Trip to be legible. The answer was “No”.
This may sound silly, but the recent issue with Brooke Baldwin getting knocked over by a car in Vegas and not being covered makes small things a serious issue. How can insurance companies get away with this?