Commonwealth Consolidated Regulations Commonwealth Consolidated RegulationsAn add - on travel insurance product is an add - on insurance product that provides insurance cover (whether or not the cover is restricted) in respect of any of the following:
(a) transport or accommodation costs relating to a specified journey if the insured person does not start or complete the journey;
(b) loss or damage to personal belongings while the insured person is on a specified journey;
(c) a sickness or disease contracted, or injury sustained, by the insured person on a specified journey;
(d) loss, damage or compensation for an event affecting the
insured person on a specified journey that ordinarily forms a part of
insurance commonly regarded as travel insurance, including loss of cash or
credit cards, legal liability, hijack, kidnap or ransom.