Through partnership with Gallagher, members of the Transport Workers Union of NSW continue to be able to access Weekly Accident Benefits of up to $2,000 per week as a result of an injury on their commute to work on a daily basis.
The broking team at Gallagher have been at the forefront of Journey Insurance programs for unions in NSW since the changes to the NSW Workers Compensation Act in 2012, which mostly excluded any Workers Compensation benefits for employees injured whilst travelling between work and home. Group Journey Insurance programs allow for the Transport Workers Union NSW to provide their members with cover for their wages should an injury sustained going to and from home and work preclude them from being able to work for more than 28 days.
Need to make a claim? Click here to download the claim form.
Policy Summary of Transport Workers Union of NSW
For information, please see our Frequently Asked Questions tab, or contact us to obtain a copy of the PDS.
Scope of Cover
DIRECT TRAVEL for the purpose of attending the COVERED PERSON’s normal place of employment to the COVERED PERSON’s normal place of residence. This includes any minor deviations which in no way increases the risk of bodily injury that would have normally arisen had the insured person travelled directly provided no cover is granted by Workers' Compensation or the Traffic accidents act or equivalent.
A Message from Transport Workers Union of NSW State Secretary, Richard Olsen.
"All financial members of the TWU NSW can rest easy travelling to and from work knowing that they are covered in the event of an incident. Our union provides this benefit to members because the NSW State Government reduced the cover provided by the workers comp scheme in 2012, leaving workers uninsured travelling to and from work. This insurance also covers ACT members who are covered by Comcare.
It’s yet another benefit for TWU members – from higher wages, better safety, a powerful voice at work, legal support, top class training and much more. So if you are no longer financial or you’re not yet a member – join today to get covered. Because here at the TWU, we’ve got your back. Just ask Euan Scott-Bell, a 30 year TWU NSW member, who had the following to say when he discovered he was no longer covered by the workers comp scheme – ‘The TWU stepped in to make sure all financial members were covered – that’s peace of mind for me and my family.'"
Find out more
Contact the Transport Workers Union of NSW’s dedicated broking team today to find out more.
- TWU Personal Accident claim form[ Adobe PDF / File Size 0.23 MB ]
How do I make a claim?
To make a claim, download and complete the claim form and return it to Gallagher via:
- email: email@example.com
- Post: PO Box 1225 Wollongong NSW 2500
Documents needed to make a claim
- A completed claim form
- A copy of your most recent pay slip
For self-employed members, additional information may be required such as copies of tax returns, financial reports and bank statements. The insurer will advise what is required on a case by case basis.
For example, Owner Drivers (Lorry Owner Driver’s) are required to provide details of the gross remuneration received by way of Tax Receipts from their Principal Contractor or Bank statements for the immediate 12 months (52 weeks) period prior to their injury or disablement.
The below Frequently Asked Questions is intended to provide general advice and summary explanations of the policy, coverage benefits and claims process only. It is important to note that the below information does not override the policy wording or policy schedule. The below information is provided as a summary only and at all times subject to the policy terms, conditions and exclusions.
For a full list of FAQ's, contact firstname.lastname@example.org
What does the definition of Journey Injury Insurance cover mean?
The definition of Journey is travel to and from a covered person’s place of residence to work and extended to include:
- Direct travel for the purpose of attending the covered person’s normal place of employment to the covered person’s normal place of residence;
- Including any minor deviations which in no way increases the risk of bodily injury that would have normally arisen had the insured person travelled directly provided no cover is granted by Workers' Compensation or the Traffic accidents act or equivalent. Journey also includes sanctioned and approved travel to yard visits, offsite learning or training organization as required during the course of the covered person’s employment with the policy holder;
- Travel during meal breaks within business hours;
- Normal place of employment for truck drivers means the depot of the franchise/company they work under.
When am I covered?
Cover commence from the time the financial member undertakes a journey to and from work and ceases upon arrival at either their normal residence or place of employment, whichever is their destination.
What am I covered for?
Financial members of the Transport Workers’ Union NSW (TWU) and its Sub Branches at Sydney, Wollongong, Newcastle and ACT including owner drivers and TWU current employees.
Who is covered by the Journey Injury Insurance policy?
What if I become un-financial with the TWU, am I still covered?
In 2012, NSW WorkCover made a number of changes to the workers’ compensation system. Included in those changes was that Journey claims are no longer covered under workers’ compensation. The TWU wants to make sure that its members are covered by a minimum safety net that protects wages when travelling to and from work each day.
Why has the Transport Workers’ Union taken out this policy?
Salary means in the case of an Employee, their weekly pre-tax income or wage, excluding any commission and bonuses, but including overtime payments and allowances, averaged over the twelve (12) month period immediately preceding the commencement of the disablement or over any shorter period for which they have been employed.
Salary for self-employed covered persons, including Lorry Owner Drivers, means, their total net income earned, averaged over the twelve (12) month period immediately preceding the commencement of the disablement or over any shorter period for which they have been employed.
Is there a death and capital benefit on the Journey Injury Insurance cover?
If you make a claim and your doctor verifies that you are expected to remain off work for longer than two weeks, then your income benefits under this Policy will be paid to you fortnightly in advance. Assuming all required paperwork is provided and the claim has been successfully approved, the first payment would be made 14 days after the date of the injury.
Is there an excess/waiting period?
Income benefits (based on weekly salary) are paid fortnightly in advance directly to the member making the claim.