Travel Insurance

We are pleased to offer you a range of travel insurance options through the Worldcare Travel Insurance product, provided by Mondial Assistance.

Mondial Assistance is authorised by Allianz to enter into and arrange your policy and deal with and settle any claims under it. Mondial Assistance also administers all emergency assistance services and benefits of the Worldcare Travel Insurance product.

Insurance is underwritten by Allianz Australia Insurance Limited ("Allianz") and arranged through ETI Australia Pty Limited trading as Mondial Assistance, (AFSL No 245631 ABN 52 097 227 177).

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Who is Mondial Assistance Australia

Like Allianz in Australia, Mondial Assistance Australia and its parent , the Mondial Assistance group, are owned by the global Allianz Group. Founded in 2000, Mondial Assistance companies have over 50 years expertise in travel insurance and more than 25 years in assistance and service solutions.

Mondial Assistance Australia was launched to cater for international travellers who required medical assistance and insurance. Mondial product range has now expanded to include automotive assistance, travel insurance, medical assistance and overseas student health cover.

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Tell me about the Worldcare travel cover

Travel insurance provides you with security and protection whilst you are travelling domestically or internationally. The Worldcare travel policy offers:

• International and Domestic cover
• Policy cover options (single, couples, family)
• Competitive premiums
• Pre-departure medical advice
• Cancellation policy (cancellation fees & loss of deposit)
• Luggage, medical & repatriation cover
• 24 hours a day, 7 days a week emergency assistance
• 10 day claim settlement period

How Much Auto Insurance Do You Need?

Bodily Injury Liability
Property Damage Liability
Personal Injury Protection
Uninsured Motorist Protection
Collision and Comprehensive
Extras

ONE TRIED AND true way to reduce your auto insurance premium is to hike the deductible on your collision coverage and skimp on your liability coverage. Sometimes this can make sense, but often it's not worth the extra risk. In this section we'll explain several of the coverages you're likely to be offered as you shop for insurance (some are mandatory). Then we'll help you figure out how much to carry of each type.

Bodily Injury Liability This coverage, which is required in most states, compensates the driver of the other car and its passengers in the event you get into an accident. It also covers the passengers in your car. The main consideration here is protecting your assets against lawsuits that arise from auto accidents. "But I'm a careful driver," you say. It doesn't matter. You can get sued even if the accident is not your fault.

Bodily injury

Bodily injury

liability is sold in standard increments that designate both how much coverage you have per person in an accident, with an additional limit per accident.

For example, if you buy bodily injury worth $100,000/$300,000, each of the people you injured could be compensated $100,000, but only up to $300,000 per accident.

How much coverage you need is a function of what assets you have to protect. If you make $30,000 a year and rent your apartment, $50,000/$100,000 should suffice.

But if you make more than $75,000 a year, own a house worth $150,000 and have $40,000 in mutual funds, you should consider at least $100,000/$300,000 of coverage.

Our Net Worth Calculator can help you estimate just how much coverage you should get.How much you'll pay to increase your bodily injury liability coverage depends on several factors, including your age, marital status and driving record. It also depends on where you live.

For example, in rural Cortland County, New York, a 35-year old married male would pay an average of $87 annually to boost his coverage from $25,000/$50,000 to $100,000/$300,000, according to the New York State Department of Insurance.

In Manhattan, however, where the frequency of bodily injury is much higher, that same man would have to shell out an average of $251 more a year.

One more option:

If you have substantial assets, buy $300,000 in bodily injury on your auto policy and $300,000 on the liability portion of your homeowners policy.

Then spend another $150 to $300 for a $1 million umbrella policy, which covers you against all manner of liability claims. Should you want still more coverage, the cost for an additional $1 million in coverage is minimal:It's typically $75 to increase your coverage to $2 million, and then $50 for each million after that, according to the Insurance Information Institute.

Choosing the Right Auto Insurer

Your Choices

· Internet Quotes
· The 800 Guys
· State Farm and Allstate
· Agency Writers· Last Resorts

FINDING A GOOD deal on an auto insurance policy isn't easy these days, especially if you live in a high-cost state like New Jersey, New York or California. So when looking for coverage, be prepared to do some research.

In some states, more than 200 companies write auto policies, so even if you get a half-dozen quotes, you're only scratching the surface.(In others, you'll have less than 50 to choose from.) And even once you find a company with great rates, there's no guarantee you'll get them.

After all, you may not qualify for a simple reason, like a poor driving record. Worse yet, you may find that the great rate evaporates once your policy comes up for renewal in six months or a year.So be on your guard. To lock in the cheapest deal, you may have to insure with a company you've never heard of and switch providers fairly often. Either way, it pays to shop around.

Here's a guide to the most efficient way to find a good deal.Internet Quotes The Web is a great place to start your search. You can get quotes both from the Web sites of insurers like Geico Direct and General Electric's Electric Insurance and from services like InsWeb.