bali ash cloud

Cover restrictions relating to travel disruptions caused by Mt Rinjani and the Bali ash cloud have been lifted.
TINZ customers purchasing a policy today will be covered for any new eruption.  

Indonesia’s Mt Rinjani (Mount Buru Jari) Volcanic Ash Cloud - now covered

Updated: 06 October 2016

The threat of volcanic ash clouds developing from the Mt Rinjani volcano eruptions has now ceased.

Effective from the 6th October 2016 any future eruptions and ash cloud from Mount Rinjani will be considered a new event.  Cover will be available subject to the terms and conditions of your policy.


Indonesia’s Mt Rinjani
- New Volcanic Ash Cloud Activity

Issued: 27 September 2016

Several flights have been cancelled and diverted in and out of Australia. The airlines may also cancel or divert future flights into and out of Denpasar.

Volcanic ash is a serious safety concern for aircraft carriers, and airlines are monitoring the situation closely. 

The following information concerns TINZ policyholders affected by the Mt Rinjani volcanic ash cloud.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.


IF YOU purchased a policy before
8pm (NZST) Tuesday 27th September 2016:


iF YOU are currently travelling:

  • If you have started your journey and your transport is delayed or cancelled or your accommodation is affected due to the Mt Rinjani volcanic ash cloud, there may be provision to claim for reasonable additional travel, accommodation and meal expenses.
  • Limits, conditions and exclusions apply under your policy and for full details you should refer to the Product Disclosure Statement and Certificate of Insurance you received when you purchased your travel insurance.
  • iF YOU haven't departed:

  • If you have not yet departed, your policy includes cover for cancellation of your journey, or for the unused portions of your journey as a result of the Mt Rinjani volcanic ash cloud.
  • If your pre-booked travel arrangements are cancelled, delayed or rescheduled as a result of the Mt Rinjani volcanic ash cloud and you have not yet departed, you may be able to claim for cancellation or rearrangement of your journey (whichever is the lesser).
  • We recommend you contact your travel agent or travel provider regarding the best option when altering your trip. Some travel providers may provide penalty free options to amend travel arrangements and we recommend you contact them for further details.


IF YOU purchased a policy after
8pm (NZST) Tuesday 27th September 2016:

  • Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy. If you entered into a policy after 8pm (NZST) Tuesday 27th September 2016 we would expect you would have done so with an awareness of the latest ash cloud incident. For these policies, we will not, to the extent permitted by law, pay any claim caused by or arising from or in any way connected with the Mt Rinjani volcanic ash cloud.

  • Take all reasonable steps to mitigate your out of pocket expenses, this includes when rearranging your journey. By reasonable we mean appropriate and consistent—for example if you have been using two star or budget accommodation on your trip to date, then we advise that the replacement accommodation you seek should be of a similar standard.

You will need to submit all receipts for any additional transport, food or accommodation expenses. If you are claiming cancellation or additional expenses you will need to submit all documents showing your original planned pre-paid arrangements, along with any receipts and documents proving your new arrangements. You will also be required to submit advice from your travel provider indicating which portions of your journey were deemed non-refundable.

  • Any compensation and/or refunds you receive from a third party (e.g. airline) for transport, food or accommodation will be deducted from any settlement if your claim is accepted.
  • To help avoid difficulties overseas, the Ministry of Foreign Affairs and Trade (MFAT) maintains travel advisories for more than 160 destinations overseas. Please visit which provides accurate, up-to-date information about the risks New Zealanders might face overseas, assisting you to make well-informed decisions about whether, when and where to travel.


annual travel insurance

Emergency Assistance

In the event of an emergency, please contact our emergency assistance team.

+64 9 888 9274

[email protected]


adventure activities

General Enquiries

For enquiries that are non-emergency related, please contact us during normal business hours.

 0800 699 070

+64 9887 8477

[email protected]




other travel news & events

 It can be unnerving not knowing what to do in the event of an incident during your travels. We've compiled travel insurance information relating to current and past events to assist TINZ customers with their concerns.


ISSUED: 16 September 2017

We hope all TINZ customers travelling in and out of Bali take care during this time. The following information concerns those affected by the Bali's volcanic activity.


Mount Agung

bali ash cloud

ISSUED: 06 October 2016

The threat of volcanic ash from Mt Rinjani volcano eruptions has ceased. Any future eruptions will be considered a new event.

Bali Ash Cloud

Bali cover

Whether it’s fun in the sun you’re chasing, a spot of high end resort living or a chance to relax & unwind, Bali’s got you sorted. Need travel insurance? 

Bali travel insurance