cota travel insurance pdf

Cota Travel Insurance Review 2024: Cost & Coverage

Cota (formerly known as Council on the Ageing) has been operating for more than 60 years and provides some of the best insurance products for Australians. One of these products is travel insurance.

Whether you want to go on a cruise or travel anywhere around the world their travel insurance is made to provide you with the right coverage needed for your trip.

Cota Travel Insurance is designed to provide peace of mind to elderly Australians or seniors while they travel. This policy offers reimbursement in case of any unexpected events during the trip, ensuring the well-being and safety of the policyholder.

In line with the lingering effect of the Coronavirus (COVID-19), if you are diagnosed with COVID-19 and have to cancel your trip, COTA may cover the cost of your travel and accommodation. The COVID-19 travel benefit can range from $2,500 to $10,000 or more depending on the plan you select.

Take a look at our review to learn more about Cota travel coverage and plans!

Also check: ROLLiN’ Insurance Review: Get Cheap Car Insurance

What does Cota Travel Insurance cover?

Before committing to a quote, you might want to find out what Cota travel insurance covers to know if it features the important coverages you need for your trip.

Depending on the trip you are taking, Cota offers different travel insurance coverage options. Some of the plans also include optional extras.

Here’s a breakdown of the standard travel coverage you can get from Cota based on the plan you choose.

Medical Expenses: This coverage is available only on Cota international travel insurance plans. This will reimburse you if you become ill or injured when overseas. It will pay for the cost of your medical treatments, hospital stay, and even the cost of using the ambulance.

In addition to this, if you have emergency dental problems from tooth injuries or sudden pain, you will also get covered.

Medical Evacuation: This policy will cover the cost of evacuating you to any medical center and repatriation back home.

Cancellation: This will help reimburse you for prepaid travel expenses if you have to cancel your trip for a covered reason.

Room-service Supplement: Depending on your plan, you can get up to $50 per day for meals during travel in your hotel room or cruise ship if you are ill for more than 2 days.

Travel Delay: In the event that your flight is delayed you can get reimbursement up to $2,00 depending on your plan and limit.

Personal Liability: For injuries to people due to negligence or damage to their property, you can get personal liability cover starting at an average of $300,000 and up to $2,500,000 based on your plan.

Accidental Death: If you die within 12 months of an injury that occurred during your trip, your family will be compensated for your accidental death.

Excess for rental Vehicle Insurance: You will receive coverage for the rental vehicle insurance excess you are required to pay.

Emergency Assistance: You will receive a quick emergency response if you suffer any medical condition.

Also check: Is Airbnb Travel Insurance Worth It?

Travel insurance plans offered by Cota

Cota provides two types of travel insurance plans – International Travel Insurance and Domestic Travel Insurance for Australian residents. These plans are sub-grouped and have different benefits and coverage options.

Cota international travel plan is grouped into:

• Essentials Plan

Annual Multi Trip Plan

Comprehensive plan.

While the Dometic travel plan features:

Australian Travel Plan

Cancellation and additional expenses plan.

Here’s a quick rundown of these plans, their benefits, and policy limits.

International plans:

Essential Plan

If you’re a traveler who prefers basic coverage at an affordable price, the Essential plan is a good option. The plan provides cover for medical expenses, luggage cover, and passport cover due to loss.

However, the plan does not cover critical illness or injury, emergency travel expenses for friends or relatives, emergency accommodation due to terrorism, or COVID-19-related events.

The Essential plan is only available to residents of Australia up to the age of 69 and above.

Some plan benefits and limits:

• Unlimited cover for overseas medical expenses.
• Covers up to $5,000 and a limit of $50 for every 24 hours for medical compensation.
• Travel delay cover up to $1,000 and a limit of $250 per 24 hrs.
• $1,000 cover for replacements of passport and other documents.
• Covers up to $1,000,000 for personal liability.
• Includes a $2,000 excess for rental vehicle insurance.
• $15,000 coverage limit for emergency travel arrangements and accommodation expenses.
• Up to $500,000 for medical evacuation and repatriation back home.
• $10,000 cover for accidental death and up to $15,000 for burial expenses overseas.

This plan is suitable for those who travel multiple times during the year. With this policy, only adults are required to pay premiums, while their kids can get coverage without paying for a premium. It also includes cover for emergency accommodation due to terrorism.

During the 12-month period of insurance, you can take an unlimited number of trips, each with a maximum 45-day cap. Plan suspension is not possible.

Unlike the Essential plan, this policy is available for all Australians regardless of age.

• Unlimited coverage for overseas medical expenses.
• Hospital compensation coverage up to $8000 and a limit of $50 per 24 hrs.
• Travel delay cover up to $2,000 and a limit of $250 per 24 hrs.
• Dental expenses cover up to $1,000
• $3,000 cover for replacements of passport and other documents.
• Includes $2,500,000 for personal liability.
• Rental car excess up to $5,000.
• Will reimburse $3,000 and limit of $300 per day for emergency accommodation due to terrorism.
• Includes a $12,000 cover for luggage and personal items, $4,000 for electronics like PC, and camera, and up to $1,000 cover for smartphone loss or repair.
• $250 cover for stolen cash, and $1,667 per month due to income loss (max $10,000 total).
• $25,000 for accidental deaths and $25,000 for funeral expenses overseas.

Tied with Annual Multi Trip Plan, this plan offers more benefits for those traveling for up to 12 months. All residents of Australia are eligible for this plan with no age limits.

Note that you can only purchase this plan up to 12 months before your trip, and if you have any pre-existing medical conditions, you may be subject to screening.

• You will receive unlimited coverage for overseas medical expenses.
• $50 per day for hospital compensation (max $8,000 total).
• Cover up to $500 for meals with a limit of $75 per day.
• Cover up to $2,000 and a limit of $250 per 24 hrs for travel delay.
• Includes rental car excess up to $5,000
• You will receive reimbursement of up to $12,000 for lost luggage and personal items, $4,000 for electronics like PCs and cameras, and up to $1,000 cover for smartphone loss or repair.
• Coronavirus travel costs up to $10,000.
• Reimbursement up to $250 for stolen cash, and $1,667 per month due to income loss (max $10,000 total).
• $200 for hiring replacement of golf and surf equipment.
• $300 per day for emergency accommodation due to terrorism (max 3,000 total).
• Unlimited cover for medical evacuation and repatriation back home.

Domestic plans:

This plan is a popular choice for Australian travelers seeking to cruise across Australia. With most standard travel policies available in this plan, you can get optional extras to provide additional cover for some stuffs like coverage for participating in snow sports, cover for existing medical conditions, and even include specific items to the plan.

This plan is available for all Australians and no age limit is placed.

• $10,000 for emergency travel arrangements and accommodation expenses.
• $75 per day for meals and up to $500.
• Includes $50,000 cover for medical evacuation and repatriation back to your home.
• $2,000 reimbursement for missing special events and flight delays.
• Includes $300 per day and max $$3,000 for accommodation due to terrorism.
• Up to $5,000 for rental car excess
• $4,000 luggage cover, $1,000 cover for smartphones and electronic gadgets.
• $2,500 for coronavirus travel cost.
• Coverage up to $3,000 for fraudulent use of credit or debit cards
• Accidental death cover up to $10,000.
• $300,000 personal liability coverage.

This plan forms part of the Australian Travel Plan. It provides cover for cancellation fees and additional expenses incurred during travel.

• Option to choose a limit for your cancellation or holiday deferment costs
• $2,000 reimbursement for emergency travel arrangements and accommodation expenses
• $75 for meals per day and up to $500 max
• Up to $250 for emergency internet
• Limit of $500 for emergency expenses to avoid disaster.

Policy exclusions

Some general Cotal travel insurance policy exclusions include:

• Any medical, hospital, or dental expenses you incur in Australia.
• Any loss that may occur if you don’t adhere to the treatment you were on before your trip began.
• Elective or cosmetic treatment or surgery that is not medically necessary
• Acting fraudulently or encouraging others to give the company fraudulent information.
• Credit card conversion fees or any other bank charges.
• Costs associated with the birth of a child, including the care of a newborn in any circumstance.

Cota does offer discounts, but they are often seasonal. At the moment, discounts may not be available. But you can speak with an agent to find out if you’re eligible for a discount either through buying a policy or bundling policies.

Availability

Cota travel insurance is available for all residents of Australia and in all states and territories. But some plan like the Essential plan is exclusive to older Australians aged 69 and above.

How to get a quote

You can get an instant quote by visiting their website, or call 1300 1300 50 to speak with an agent.

How to pay for travel insurance with Cota

These typically involve a series of processes. Start by obtaining a quote, after which you will be given options to customize your policy. You will then be required to fill in your personal information along with your medical history.

After these steps, you can then proceed to make payments. Cota accepts both debit and credit card payments via Visa, Mastercard, and American Express.

Also check: Whole Life Insurance NZ: Benefits and Features

User experience

Website: Cota has a beautiful and easy-to-navigate website. All account-related information can be easily accessed on the website.

Claims: Suffered a loss or damage and need to make a claim? You can file a claim online via the website or call 1300 625 229 or +61 (2) 8256 1547 if you are outside Australia.

Pros and cons

• Suitable for the elderly and seniors
• Cover for fraudulent use of credit or debit cards
• Covid-19 coverage
• No additional premium for accompanying children
• Age limits on some plans
• Can claim only $250 for your stolen cash
• Lack of full policy customization

Tips to save more on Cota travel insurance

• Go for a Higher Deductible: Choosing a higher deductible means you’ll pay more out of pocket if you make a claim, but it can lower your premium.
• Compare Plans: Compare different travel insurance plans offered by Cota to find one that suits your needs and budget. Some plans may offer more coverage than you need, so choose the one that fits your travel plans.
• Stay Safe: Take precautions to reduce the chances of needing to make a claim. This includes staying healthy, following travel advisories, and being careful with your belongings.

Frequently Asked Questions (FAQs)

Does cota travel insurance cover covid-19.

Yes, Cota provides coverage for Covid-19-related events. Depending on your plan, you can claim up to $2,500 or more.

Who underwrites Cota travel insurance?

COTA Travel Insurance is an authorized representative of nib Travel Services (Australia) Pty Ltd and is underwritten by Pacific International Insurance Pty Ltd.

Is Cota travel insurance good for the elderly?

Cota has curated and special plans made to benefit the elderly and seniors.

what is the waiting period for Cota travel policy?

Cota requires a 72-hour waiting period for those who have already begun traveling when their Certificate of Insurance is issued. You can refer to Cota’s Product Disclosure Statement (PDS) to find out more.

Does COTA travel insurance cover adventure activities?

Yes, COTA travel insurance does cover adventure activities like snow sports, but skydiving and scuba diving are all excluded.

What other insurance products does Cota sell?

Apart from travel, Cota also offers many other policies, including car, renters, building and contents, caravan and trailer, boat, and landlord insurance.

COTA Travel Insurance

Our verdict: with comprehensive cover for covid-19 and no age limit, cota travel insurance is a good option all-round, but particularly so for older travellers..

In this guide

Summary of COTA Comprehensive policy

How does cota travel insurance cover covid-19, what policies does cota travel insurance offer, here's a breakdown of cota travel insurance features, standard features, optional add-ons, how to make a cota travel insurance claim, here's the bottom line about cota travel insurance, frequently asked questions, compare your travel insurance quotes.

Destinations

• COTA Travel Insurance has comprehensive COVID-19 benefits and may cover cancellation costs, quarantine costs, transport costs, medical fees, childcare costs, and pet boarding fees.
• With no age limit and the option to take part in medical screening for some existing conditions, COTA Travel Insurance is a good option for older travellers.
• Although COTA Travel Insurance covers cruises as standard, the PDS doesn't include information about cruise-specific risks so it's not clear exactly what's covered.

Compare other options

Table updated September 2023

COTA Travel Insurance offers strong COVID-19 protection. Travellers will be covered in a variety of situations including:

• Overseas medical costs related to COVID-19
• -you or a travelling partner is diagnosed with COVID-19
• -a close relative or business partner is hospitalised or dies due to COVID-19
• -you're permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your pre-approved leave is cancelled due to COVID-19.
• Travel and accommodation costs if a tour is cancelled due to your tour guide contracting COVID-19 or if your accommodation can't operate due to staff contracting COVID-19.
• Travel, meals and accommodation if you're not permitted to board your scheduled public transport due to being suspected of having COVID-19.
• Travel, meal and accommodation costs if you're required to enter compulsory quarantine due to COVID-19.
• Childcare costs if COVID-19 renders you unable to care for your dependent children while on holiday.
• Pet care costs if you can't travel back to Australia at your scheduled time due to COVID-19.

There are some scenarios that are not covered by COTA Travel Insurance including if you buy a policy knowing you already have COVID-19 or if you are not vaccinated against COVID-19.

COTA gives you the choice of four plans: Comprehensive, Essentials, Annual Multi-Trip, and Australian Travel.

Comprehensive

Annual Multi-Trip

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that COTA Travel Insurance will cover.

Some of these inclusions are only available on the Comprehensive plan.

• Overseas medical expenses
• Travel delay
• Emergency travel and accommodation
• Lost, stolen or damaged belongings
• Stolen cash or credit cards
• Loss of income
• Personal liability
• Total permanent disability
• Accidental death

As well as the benefits above, COTA also lets you add Snow Sports Cover to your policy. It comes with a range of benefits including:

• Ski lift passes
• Ski run closure
• Hire costs for replacement snow equipment

Unfortunately, travel insurance doesn't cover everything. Generally, COTA will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• You being unfit to travel or travelling against medical advic
• Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review COTA's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can download a claim form from COTA's website and follow the instructions.

If you need help, you can phone 1300 625 229 within Australia or +61 2 8263 0487 outside Australia. Alternatively you can email [email protected].

COTA offers strong travel insurance, particularly in relation to COVID-19 related expenses. It also extends cover for pregnancy up to 26 weeks, longer than some other providers, and will consider offering cover for existing medical conditions, if you complete an online health assessment.

With no age limit, it's a good option for a wide range of travellers. However, with limited information about how exactly cruising is covered, anyone setting sail might want to clarify the PDS with a CODA representative or consider a specific cruise travel insurance.

Do I have to be a senior citizen to get a policy with COTA?

No. One of COTA's aims is to help older Australians but younger Australians are not excempt from its travel insurance policies.

What if I change my mind about COTA travel insurance?

If you cancel your policy within the first 21 days of buying it, you'll receive a full refund, as long as you haven't started your trip and you're not making any claims.

When would me COTA travel insurance start?

If you pay for your COTA travel insurance policy online or over the phone by credit card, you'll be covered as soon as you receive your certificate of insurance (which should be straight away).

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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12 Responses

We are travelling to Kenya for 2 weeks on 3 October until 17 October 2024, and looking for travel insurance for that time. Can we please have a quote. Thank you

Hi Inga & Ron,

We currently don’t have COTA on our panel. You can obtain a quote from them directly, or you can get a range of quotes from other travel insurance providers here .

I have diverticular disease, is this condition covered under your policy

Thank you for your question.

Pre-existing conditions are assessed on a case-by-case basis. You may find our article about travel insurance for pre-existing condition helpful.

Cota Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to receive a quote from the brands in our panel, please head to our travel insurance home page.

Cheers, Zubair

I only need to cover 2 airfares to Sydney 800 dollars

Thanks for getting in touch with Finder.

If you wish to get covered by Cota, please visit their website where you can get a quote or purchase their policy.

If you would like to compare the brands in our panel, please head over to our travel insurance home page . You may also find our travel insurance for flights only article helpful.

While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

Have a wonderful day!

All the best, Richard

I am interested in taking out a travel cover. Is it necessary to join COTA membership to be eligible?

Thanks for contacting Finder!

I’m afraid we currerntly don’t have a partnership with COTA. If you would like to get cover from COTA, you will need to head to their site directly.

If you would like to compare your cover options from brands in our panel, you can do so by entering your travel details into the comparison tool on the travel insurance home page .

Hi there, I’m over 70, travel a lot overseas and am trying to find out if you have a yearly multi trip insurance. I have never had a claim, but finding it difficult to get yearly insurance at this age. For the next 12months I expect Asia and maybe Europe. Many thanks Eva

Thanks for your question. I’m afraid Cota is not currently one of the travel insurance brands in our panel.

However, many of the travel insurance brands in our panel do provide annual policies for people over 70 years of age. If you would like to compare these policies, you can do so on our annual travel insurance page . The comparison table does not only show the age cut-off but the maximum single trip length as well.

I hope this was helpful, Richard

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Travel insurance for some coronavirus-related events

By Taryn Topperwien

Have a holiday booked? Then it’s more important than ever to know exactly what you are and aren’t covered for before you go.

Coronavirus has changed travel for everyone and even though you might have a holiday booked, it’s more important than ever to know exactly what you are and aren’t covered for before you go.

Cover offered for coronavirus-related events

Cover for some coronavirus-related events is available on COTA travel insurance plans (except the Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary.

We have policies that include plans which offer cover for:

Overseas Medical Benefit

If you get sick with coronavirus while on your trip, all COTA travel insurance plans include cover for overseas medical expenses. As always, these are subject to our terms, conditions, limitations and exclusions around existing medical conditions.

Medical evacuation and repatriation

COTA travel insurance plans (except Cancellation and Additional Expenses plan) include cover for medical evacuation and repatriation if we agree it’s medically necessary, up to the relevant benefit limit.

Coronavirus Travel Costs

The Coronavirus Travel Costs benefit is available on the International Comprehensive, Australian Travel and Annual Multi Trip plans. Plans including Coronavirus Travel Costs can provide cover for several coronavirus related events, including cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus, up to the relevant benefit limit.

The Coronavirus Travel Costs benefit includes cover for the following events

• Non-refundable travel costs incurred if the traveller or a member of the travelling party is certified as medically unfit to travel due to being diagnosed with coronavirus.
• Non-refundable trip costs if a close relative in Australia is hospitalised or dies due to being diagnosed with coronavirus.
• Non-refundable travel costs if the insured is permanently employed as a healthcare worker, residential care worker or law enforcement officer and their pre-approved leave is cancelled due to coronavirus.
• When the insured’s accommodation is closed for cleaning due to a confirmed case of coronavirus at the accommodation.
• If boarding scheduled public transport is denied because the insured is suspected of being infected with coronavirus.
• Costs for compulsory quarantine if during the trip the insured is diagnosed with coronavirus or is a confirmed ‘close contact’.
• Childcare costs if the insured gets coronavirus during the trip and is unable to take care of their dependent children as a result.
• Care for pets back home if the insured is diagnosed with coronavirus during their trip and as a result is unable to return home as scheduled.
• Your tour is cancelled due to your tour guide being diagnosed with coronavirus.

As much as we’d love to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) carefully to know what is, and isn’t, covered.

Insurance and Membership Services Limited ABN 59 057 159 743, AR 246235 trading as COTA Travel Insurance is an authorised representative of nib Travel Services (Australia) Pty Ltd, ABN 81 115 932 173, AFS Licence No 308461 and act as nib’s agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

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Cota Travel Insurance Review

An Aussie Insure summary of...

Cota Travel Insurance is an integral part of the Cota insurance company. The company specialises in providing specific travel cover including multi-trip, skiing or snow boarding breaks and group excursions. Cota also have a selection of products for those who are planning a trip overseas or within Australia.

Cota offers excellent cover containing decent benefits that will suit most Australians planning a holiday, business trip or other trip. Their policies are priced quite reasonably and the protection they provide represents good value when comparing to other Aussie insurance brokers.

Cota Travel Membership

Cota Travel's membership has grown considerably during the past number of years. Their customers can choose from many types of cover from basic insurance policies to products that are furnished with several extra benefits.

Like most other travel insurance companies, when applying for a claim from Cota, there could well be a standard excess charge. But when financial experts analyse the average monthly premiums that are charged, most would say they are reasonably priced considering the quality of cover they provide.

Cota Travel Insurance Online

Purchasing an online policy from the Cota website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

Cota Travel Insurance Contact Details

Below you will find contact details for Cota Travel Insurance compiled by the Aussie Insure research team.

Website:    Cota Travel Insurance

Email:     [email protected]

Telephone:    1300 1300 50

FAX:    (08) 8112 8180

Address:    16 Hutt Street, Adelaide SA 5000

Cota Travel Insurance Notes

Please note that the information on this page concerning Cota Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Aussie Insure strive to keep company information up to date there will be occasions when some info may be out of date.

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Tim’s Travel Tips

Tim, COTA Insurances’ Insurance Manager, offers his travel tips on travelling Australia’s coastline by car.

For those who like their travel a bit closer to home and perhaps a bit more adventurous, this instalment I’ve got some Australian Beach 4WD tips.

With over 25,000 km’s of coastline it’s no surprise that there are a wide range of amazing beaches that you can drive on in Australia. There are also a wide range of types of beach drives so there is something for everyone; from getting to remote locations for the amazing views, cruising through sand dunes for the adventure to beach driving to a fantastic spot well away from the crowds.

It’s important to keep in mind that road rules, including speed limits, do apply on beaches and most beach drives are for 4WD vehicles only.

You may need permits to access some beach drives so make sure you plan ahead. Speaking of planning ahead, remember to check tide charts before you travel and avoid the hours either side of high tide. And as with all 4WDing, it’s always best to travel with at least one other vehicle.

Don’t get bogged down

Beach driving of any kind will involve driving on sand, often soft sand, which is very different from driving on the road. Getting bogged is also a real risk, so here are some tips to help you make the most of your time at the beach:

The two key elements for diving on sand are tyre pressure and momentum

Set your tyre pressure for the conditions

As a rule of thumb, lower your tyre pressure to 20 psi – you may need to go lower depending on the conditions such as very soft sand or becoming bogged

When you’re finished on the beach make sure you re-inflate your tyres to the normal pressure – so make sure to carry a tyre pressure gauge and portable air compressor

Use momentum to help you get through soft sand, avoid making sharp turns and don’t stop until you get back to hard sand

If (when) you get bogged – immediately stop spinning your wheels because you will just sink further making recovery more difficult

Essential recovery gear for beach driving includes vehicle recovery tracks, snatch straps and a long-handled shovel

Fit a safety sand flag (a tall fluorescent flag that you mount on the front of your car) if travelling over dunes in order to help alert other vehicles of your presence

Once you are back home after your day at the beach, remember to give your 4WD (including the underbody) a good wash to prevent rust from the salt and sand.

Make sure you check your insurer before you go off road.

Some trips to give you inspiration

Queensland’s Great Beach Drive www.queensland.com/en-au/journey/great-beach-drive

Beachport to Robe, SA www.robe.com.au and www.limestone-coast-4wd-explorers-guide.pdf

Stockton Beach, NSW www.portstephens.org.au

Ocean Beach, TAS www.parks.tas.gov.au

Lancelin, WA www.lancelin.com.au

Have a question or your own travel tips to share?

Email Tim at [email protected] or post to Tim’s Travel Tips, 16 Hutt Street, Adelaide SA 5000.

Insurance and Membership Services Limited ABN 59 057 159 743, AR No 246235 trading as COTA Insurance, is an authorised representative of nib Travel Services Pty Limited ABN 81 115 932 173, AFS Licence No. 308461 and only provides general advice which means you should consider if it is suitable for your needs.  Before deciding to purchase the product, please read the Product Disclosure Statement available at  https://cota.we.com.au/ .  This insurance is underwritten by XL Insurance company SE, Australia branch (ABN 36 083 570 441).

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Financial Services Guide

Financial services guide (fsg).

This guide aims to help you make an informed decision about the financial services and products we can provide to you as a retail client.

This guide contains important information about:

• the financial services we offer you;
• who we act for in providing these services;
• how we and other relevant persons are remunerated; and
• our internal and external dispute resolution process and how you can access them.

Where required, you will be given a Product Disclosure Statement (PDS) before or at the time you acquire any product as a retail client. The PDS sets out the standard terms, conditions, limits and exclusions of the product to assist you in making an informed decision about whether to purchase it or not.

Please keep this FSG along with the PDS and other policy documents in a safe place for future reference.

Issue No. 5.0

AR FSG Version No: 6.0

Date of preparation: 04/2024

Who are we and what services do we offer?

Name:              Insurance and Membership Services Ltd

ABN/ ACN:        59 057 159 743

AR Number:      246235

Address:           PO Box 7156 Hutt Street SA 5000

Contact:            1300 1300 50 or 08 8112 8110

We are Authorised Representatives of the insurer Allianz Australia Insurance Limited

ABN:                15 000 122 850 AFSL:               234708 (Allianz)

Allianz can be contacted as follows:

Post:                GPO Box 4049 Sydney NSW 2001

Online:              www.allianz.com.au

Contact:            1300 139 418

Or by using the contact details listed at – www.allianz.com.au

Allianz has authorised us to arrange and provide general advice on certain general insurance products issued by it.

You may be provided with these financial services by:

• one of our employees; or.
• a person we have temporarily contracted with to provide these financial services to you,

Each of these persons will be authorised by Allianz to arrange and provide general advice on these insurance products as its authorised representative and to provide you with this FSG. They will tell you when this is the case.

When providing these types of financial services we, our employees and contractors act as on behalf of Allianz and not on your behalf.

We may also refer you to Allianz to purchase insurance, where we do this and you purchase a policy, it will be arranged and issued by Allianz not us.

General Advice Warning

It is important that you understand and are happy with the products we and our representatives can arrange. We can give you general advice to help you decide but do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about whether or not to purchase the product/s please carefully read the PDS to decide if it is right for you.

Information on Remuneration

We receive commission from Allianz each time you buy a policy and may include renewals and some variations, which increase the premium payable. It is calculated as a percentage of the insurer’s base premium (this is the premium less stamp duty, GST and other government taxes, charges and levies). Allianz pays us commission at rates which range from 0% to 20% of the premium.

We may receive a profit share from Allianz for Home and Contents (excluding flood), Landlord (excluding flood), Car and Caravan and Trailer insurance policies arranged by us (or renewed) with Allianz in each calendar year. If the agreed net earned premium threshold and the agreed profit threshold (determined according to a formula that takes into account matters such as the premium received, claims and expenses incurred) are met, we receive an agreed percentage of the profit which exceeds the agreed profit threshold.

We also receive a marketing allowance from Allianz this is based on a percentage of the total gross written premium earned on Home and Contents (excluding flood), Landlord (excluding flood), Car and Caravan and Trailer insurance policies arranged by us (or renewed) with Allianz.

Where you have been referred to us by a third party, we may pay them a part of the commission we earn. Any such commission we pay to a referrer is at no extra cost to you.

We pay our staff and representatives an annual salary for their services and they may also receive bonuses or other incentives and rewards based on their performance relating to sales of products and other business criteria.

Where you have been provided with financial services by an employee who is an authorised representative, we may pay them all or part of our remuneration. Our temporary contractors may receive a daily fee, which is payable for both providing financial services to you as well as other services for us.

If you require further details about any of the above remuneration received from Allianz, please ask us within a reasonable time after receiving this FSG and before we provide you with financial services to which this FSG relates.

Compensation Arrangements

We are required by Allianz to hold professional indemnity insurance. Allianz is a general insurer authorised under the Insurance Act 1973 (Cth) to carry on general insurance business in Australia and is supervised by the Australian Prudential Regulation Authority (APRA) and subject to the prudential requirements of the Insurance Act. Because of this Allianz is exempt from the requirement to hold professional indemnity insurance. Please contact Allianz if you require further information in relation to their compensation arrangements.

What happens if you have a complaint?

We are committed to handling complaints about our products and services efficiently and fairly. If you have a complaint:

• Contact us and we will seek to resolve the issue. If we are unable to resolve your complaint, we will promptly refer it to Allianz. Allianz will attempt to resolve the matter in accordance with their Internal Dispute Resolution procedures. To obtain a copy of the Allianz procedures contact us using the details on the first page of this document.
• If you are not satisfied with Allianz’s decision or the handling of the complaint, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme which is independent and free to you (subject to its relevant terms and rules). AFCA’s contact details are as follows:

Online:  www.afca.org.au

Email:   [email protected]

Phone: 1800 931 678

Mail: Australian Financial Complaints Authority GPO

Box 3 Melbourne VIC 3001

Further information

If you need further information about the products or our services, or you have any queries please contact us using the contact details on the first page of this document.

Allianz has authorised the distribution of this FSG.

Download our Financial Services Guide PDF here.  FSG Financial Services Guide 2024

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COTA members receive a personalised membership card providing access to The COTA Rewards and Savings Program, which incorporates The Ambassador Card —Australia’s premier member benefit program. This provides a wide range at benefits and services, which saves them money and improves their well-being.

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Phone: 1300 1400 50

Email: [email protected]