Benefit trigger
A claim starts with a report, not a conviction.
A Police Report
A report to any Australian state, territory or federal police service with an event or reference number. This includes reports made online, by phone or in person, and reports made through a Sexual Assault Reporting Option (SARO) or equivalent.
An official Victims Services application
A lodged application to a state or territory victim support scheme, including Victims Services (NSW), Victims of Crime Assistance Tribunal (VIC), Victim Assist Queensland, Victims of Crime Commissioner (SA), Victims of Crime Assistance (WA), Victims Support Service (TAS), Victims of Crime Financial Assistance (ACT) or Crime Victims Services Unit (NT).
We never require a charge, a prosecution, a conviction or the identification of an offender. We will not withdraw benefits if a matter does not proceed to court or an accused person is acquitted.
Compare
Three levels of cover, side by side.
Entry level
Essential
$6.90a week, from
- Counselling up to $6,000 a year
- Relocation up to $8,000
- Income support up to $15,000
- Legal advocacy up to $10,000
- 24-hour claims line
- Dedicated case manager
- Telehealth counselling access
Most popular
Standard
$11.40a week, from
- Counselling up to $15,000 a year
- Relocation up to $20,000
- Income support up to $40,000
- Legal advocacy up to $30,000
- Everything in Essential
- Family sessions included in counselling cap
- 48-hour relocation payment guarantee
- Court companion service
Highest limits
Premier
$18.20a week, from
- Counselling up to $35,000 a year
- Relocation up to $45,000
- Income support up to $90,000
- Legal advocacy up to $75,000
- Everything in Standard
- No waiting period on income protection
- Civil damages litigation funding
- Counselling cap renews for 3 policy years after a claim
- Interstate and overseas incident cover
| Benefit | Essential | Standard | Premier |
|---|---|---|---|
| Weekly premium from | $6.90 | $11.40 | $18.20 |
| Forensic and Immediate Medical Costs | $5,000 per claim | $15,000 per claim | $30,000 per claim |
| Trauma and Rehabilitation Package | $6,000 per policy year | $15,000 per policy year | $35,000 per policy year |
| Emergency Relocation Benefit | $8,000 per claim | $20,000 per claim | $45,000 per claim |
| Income Protection and Carer Support | $15,000 up to 13 weeks | $40,000 up to 26 weeks | $90,000 up to 26 weeks, no waiting period |
| Legal Advocacy Expenses | $10,000 per claim | $30,000 per claim | $75,000 per claim |
| Income protection waiting period | 7 days | 7 days | None |
| Excess | Nil, $250 or $500 | Nil, $250 or $500 | Nil, $250 or $500 |
| Family counselling sessions | Not included | Included | Included |
| Court companion service | Not included | Included | Included |
| Civil damages litigation funding | Not included | Not included | Included |
| Incidents outside Australia | Optional extra | Optional extra | Included |
| Counselling cap renewal after a claim | 1 year | 1 year | 3 years |
Limits shown are maximums. Premiums are indicative for an individual aged 25 to 34 in Victoria paying annually, and include GST and stamp duty. Read the PDS for full terms.
Questions