Assistance with recovery

If You are aware of any third party that You or We may recover money from, You must inform Us of such third party.

If You have received any refunds for any expenses (such as accommodation, travel expenses or flight back to Australia), You must pay Us the amount refunded to You if We have paid for the same or similar expense.

We may, at Our discretion undertake in Your name and on Your behalf, control and settle proceedings for Our own benefit to recover compensation or secure indemnity from any party in respect of anything covered by this Policy. You are to assist and permit to be done, all acts and things as required by Us for the purpose of recovering compensation or securing indemnity from other parties to which We may become entitled or subrogated, upon Us paying Your claim under this Policy regardless of whether We have yet paid Your claim and whether or not the amount We pay You is less than full compensation for Your loss.

Once We pay Your total loss We will keep all money left over. If We pay You for Lost or damaged property and You later recover the property or it is replaced by a third party, You must pay Us the amount of the claim We paid You.

If We incur any costs, expenses or guarantee payment to a provider on a “without prejudice” basis or similar (meaning We pay first but We are not obligated to cover if the claim is declined), for costs not covered by this Policy, We may refuse payment and/or seek recovery from You for any amounts We have paid. In cases where a guarantee of payment was provided by Us to a provider and further evidence supports that the claims are not covered under Your Policy, We may require payment to be made by You to the provider.