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What insurance do I need?

2nd August, 2019

You need insurance for anything you cannot not afford to replace if it was damaged, lost or stolen. For example, it is common to take out insurance for your home, contents and motor vehicle.

Personal insurance policies covering events such as death, invalidity and loss of income may also be appropriate if you decide that you need more cover than provided through your ADF entitlements. But be aware of war, warlike and hazardous activity exclusions that may apply to ADF members who buy personal insurance policies from the private sector. Some ADF members have private insurance, or superannuation from previous employment, which includes insurance cover. Check whether these will continue to cover you in ADF service.

Health insurance policies cover health related costs and travel insurance policies cover you for unexpected events before, during, and after you travel (including illness and loss of baggage).

For more information read the Insurance and Personal Insurance money guides.

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