Journey Cover

ACM journey to work_bikeIs your journey to work covered?

For many Australian states until recently, injury sustained by employees traveling to and from their workplace was covered by the various state workers compensation schemes.  However, since July 2012 the harmonisation of Workers Compensation came into effect in most states. This means that the cover previously afforded for employees traveling to and from work, has been removed from most states' policies.

Journey Cover is not a new concept; the insurance has been available for some time as a top up insurance on existing workers compensation policies in some states where this type of coverage is not an automatic inclusion.

Journey Cover provides compensation, usually a nominated weekly amount over a period of weeks, when an injury occurs to an employee whilst they are engaged in direct travel to or from their home and their place of employment.

Journey Cover for our members

As a member* of the Australian College of Midwives, you are provided with Journey Cover through Mediprotect. This came into effect 1 July 2013.  The insurance includes:

  • Death and Capital Benefits $100,000 & Accident Weekly Benefits
  • $1,500 per week
  • Excess 7 days
  • Benefit Period 104 weeks

*Full member

ACM journey to work_walkDo I need Journey Cover?

The recent harmonisation of the workers compensation schemes for all but two states has seen changes to the coverage provided under the relevant state legislated insurance schemes. States that have been affected by these changes, or have never been covered for employee’s travel to and from the workplace are NSW, SA, TAS, VIC, WA, NT (but only if a motor vehicle is involved).

It is expected that QLD and ACT will follow suit in the very near future. Many employees and employers are now faced with the uncertainty of whether cover is: a) only granted in very limited and specific circumstances, or b) removed entirely.

Note: an organisation's public liability policy does not cover journey claims.

How do I make a claim?

  1. Log in to our website using your email and password
  2. Visit the Journey Cover Policy Information page for the claim form, product disclosure statement and FAQs

Important note for employers

It is a common misconception that if an event or circumstance is not covered by workers compensation, employers do not carry a liability for the event.  This is not necessarily correct.  While cover may not be provided by a WorkCover or workers compensation policy, as an employer you may still have a responsibility and legal liability to your employee whilst they are traveling to and from their workplace, particularly if they perform work related activities/ responsibilities during this journey, for example collecting office mail or picking up milk for the office.

ACM journey to work_carMore information

Please see the Journey Cover Fact Sheet or visit Mediprotect.