Journey Cover insurance

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If you have an accident whilst travelling to or from work, which results in your inability to work, you may be entitled to a benefit for lost income.

Journey Cover insurance is provided to all financial members of the SSTUWA.

What to do in the event of a claim

  • Contact Member Assist
    9210 6060 | 1800 106 683 |
  • See your doctor as soon as possible to obtain a medical certificate.
  • If a vehicle is involved and you are injured immediately lodge a claim with the Insurance Council of Western Australia (compulsory third party insurer).

What is SSTUWA Journey Cover insurance?


The SSTUWA Journey Cover insurance policy has been designed to provide cover for members during their commute between work and home. Workers’ Compensation does not cover accidents to and from work. This covers the gap in Workers’ Compensation cover, giving peace of mind that in the event of an injury, members can expect income protection.

Cover can apply to a variety of commuting methods, including but not limited to the use of motor vehicles, bicycles, motorcycles, trains and walking.

Journey Cover insurance now goes a step further to provide members with cover during lunch breaks, should an injury fall outside of Workers’ Compensation cover.

There are two main aspects of cover:

Death and capital benefits

  • A lump sum payment of up to $200,000

Weekly injury benefits

  • 100% of salary up to $2,000 a week for up to 104 weeks,
  • or 100% of salary up to $3,000 a week for up to 104 weeks, for employees earning between $100,000 and $150,000 per annum,
  • or 100% of salary up to $3,500 a week for up to 104 weeks, for employees earning over $150,000 per annum.

*Note: There may be instances where a member’s commute may fall within the scope of Workers’ Compensation insurance, for instance if a member was asked to visit a site or attend an offsite meeting directly from home or on the way home from work. In these cases Workers’ Compensation cover should firstly be considered. Any travel during working hours is generally covered by Workers’ Compensation.

The intention of the policy is to provide weekly salary compensation; any medical related costs would fall within the cover provided by Medicare or a health insurance policy.

Additional benefits

The following additional benefits are available, following particular claimable events:

  • Return to work assistance.
  • Tuition or advice expenses.
  • Funeral expenses.
  • Modification expenses.
  • Chauffeur services.

Sick and annual leave

Members are not required to firstly exhaust their annual leave or sick leave before receiving weekly benefit payments under the Journey Cover policy. The SSTUWA Journey Cover policy has a nil excess period, allowing payments to start immediately following the acceptance of a claim.

Should a member take sick leave or other paid leave entitlements until the claim is accepted, Journey Cover will reimburse the employer so the leave entitlements are reinstated.

Members are advised to contact Member Assist as soon as possible following a potential claim – and before electing to take annual leave or sick leave – for additional information and advice.


The following occurrences are some of those excluded from cover:

  • Loss as a result of a covered person being under the influence of drugs or alcohol.
  • Loss as a result of a pre-existing medical condition.
  • When the covered person is over 85 years of age.
  • Loss which is covered by Medicare, Transport Accident Legislation or Workers’ Compensation legislation.
  • A loss that would result in the contravening of the Health Insurance Act 1973.

This information is a general summary and is not part of the insurance agreement. This material is to be read in conjunction with, and does not override, the current policy wording and/or schedule.