Quentin Long lists nine tricks of the travel insurance trade that may see you up claim creek without a paddle.
1. No, you are not covered when you take unnecessary risks like running with bulls. And it could be argued being a spectator is taking unnecessary risks.
2. Drinking and taking drugs – yep, you are not covered.
3. Breaking the law – guess what? You are not covered.
4. Many domestic travellers think they do not need travel insurance – au contraire. There are so many instances where domestic travel cover helps. You are air-lifted from a remote location to hospital, leaving behind vehicles – travel insurance can assist with the cost of recovering the vehicles. You know the car insurance coverage that is exorbitant – well, travel insurance covers the excess and over time I have learned that if you have a hire car for three or more days, the travel insurance is worth it for car rental excess coverage alone.
5. Cancellation of flights due to bad weather is not covered by the airline so you will need to claim in on travel insurance. But make sure you get the cancellation in writing (saying it was due to bad weather). And, yes, you will need to book a room and pay for it and then claim it from the insurer.
6. A claim is not a ticket to a life of luxury. If you do need to book a room as in the example above don’t seek out the most expensive room in the city when you have actually been staying at flashpackers. The travel insurer will want evidence that this is the standard of travel you have been travelling at. Same for all dining and other related expenses you think you want to claim. It is not a ticket to excess on the insurer’s credit card.
7. Call the travel insurer as soon as humanely possible. The companies have great call centres that will be able to assist you and may have access to better information or contacts on any given situation than you do. A quick case study, my 18 year-old nephew almost wipes himself on a gap year in Cambodia. Wakes up in hospital 12 hours later, calls the travel insurer who has a western trained doctor who speaks English at his bedside in one hour. So have the travel insurance international calling number – very, very handy.
8. Travel insurers may be more effective than consular assistance. During natural disasters or political upheavals, travel insurance companies will have a team (okay, maybe one person dependent on the circumstances), dedicated to monitoring the situation and getting travellers out or giving assistance. They will also be great assistance in contacting your family members if necessary.
9. When the cruise and tour operators advise you to take out travel insurance they are not doing it for a bit of a laugh, they really want you to. Cancellations at the last minute for a personal issue which forfeits your deposit or entire payment is a real downer and the tour and cruise operators hate taking it from you… but they can’t afford not to. Everyone, and you more than the rest, would feel a lot better if you could claim it or a portion at least on travel insurance.
Quentin Long is the Co-Founder and Managing Director of Australian Traveller Media. Quentin is a sought-after travel media commentator. He is Australia’s most trusted source for travel news and insights, having held weekly radio segments across the country since 2006, and regularly appearing on Channel 9’s Today and A Current Affair programs from 2010. Don't ask him his favourite travel experience as that's like asking him to choose a favourite child. However he does say that Garma Festival is the one travel experience that changed him the most.
The ultimate road trip begins and ends on NSW’s stunning Grand Pacific Drive.
Whales, charming villages, fine wine and stunning natural vistas: there’s a lot to love about a road trip along the Grand Pacific Drive in New South Wales. Winding from the Royal National Park through Wollongong, Shellharbour, Kiama and Shoalhaven before heading inland to the Southern Highlands, this scenic drive makes for an unforgettable road trip.
But like all great road trips, it’s not just about the drive but the stops made along the way. From incredible farm-to-plate (and grape-to-glass) dining options to unbeatable natural vistas and quaint towns with beautiful accommodation, there’s plenty to explore en route.
Spend time in Shellharbour Marina.
Where to eat
What is a road trip without incredible food? Whether you’re after fresh seafood, slow-cooked paddock-to-plate feasts or delicious wines, you’ll find something around every bend along Grand Pacific Drive.
Restaurant Santino is a local Wollongong secret we can’t keep quiet any longer. With a fresh take on Italian cuisine, servings are hearty and flavours are comforting. The chitarra with blue swimmer crab, garlic, chilli, parsley and crustacean oil is a crowd favourite.
Keep it local in Shellharbour with a menu all about fresh local produce at Relish on Addison. From South Coast oysters and blue swimmer crab linguine to crispy pork belly, surf and turf takes on an elevated meaning here.
Kiama’s neighbourhood wine and cocktail bar, Little Betty’s, is just as good for a tasty share plate as it is for creative cocktails. The signature Grilled Octopus with burnt honey, garlic confit and sautéed Asian greens is worth a trip on its own.
Only the best will do in Shoalhaven, where multi-award-winning Bangalay Dining uses native Australian ingredients to bring its dishes to life. Start with the Smoked trout croquette before moving on to the sautéed potato gnocchi. Don’t forget the white chocolate mousse for dessert.
Meanwhile, the Southern Highlands are full of culinary highlights. From dining on incredibly fresh, local fare (we’re talking ingredients plucked from the team’s on-site kitchen garden or sourced through local producers) at Eschalot Restaurant in Berrima to creating gin blends at Millsheds Distillery.
Taste native flavours at Bangalay Dining.
Exploring nature
Scenery is everything when hitting the road, and Grand Pacific Drive serves it up in spades. Drivers don’t even have to leave the car to enjoy the iconic ocean views from Seacliff Bridge (but several lookouts make it easy to stop).
Seaside Kiama boasts stunning beaches and famous blowholes. But travellers can also swap ocean for rainforest when taking the Minnamurra Rainforest walk, culminating in a picturesque waterfall. Or soar overhead at Illawarra Fly Treetop Adventures.
Cruise along the stunning Grand Pacific Drive.
Between May and November, 30,000 whales make their way passed the South Coast between May and November. Spot them from the coastal shores or join a whale-watching cruise from Shellharbour Marina or Jervis Bay. Dive in with Woebegone Freedive.
Shellharbour’s Killalea Regional Park is home to a traditional bush tucker and medicine walk with Aboriginal tour group, Gumaraa. Learn Indigenous healing practices and gain a deeper appreciation for the rich heritage and wisdom of the land’s Traditional Owners.
Wollongong is the perfect place for hikers, with the 6.5-kilometre Wodi Wodi track serving up views, settler history and a variety of landscapes in one loop. If you prefer, skip the walk and pull up at Bald Hill Lookout for expansive views south towards Wollongong (and a hang-glider or two).
For something truly unique, join the Highland Cow experience at The Swallow’s Nest in the Southern Highlands. In a brand-new offering, get a taste of farm life and help groom and feed these gorgeous creatures.
Wander the Kiama Coast Walk.
Unique experiences
No need to choose between an adrenaline rush or a culture fix, Grand Pacific Drive serves up both.
Soar into aviation history at Shellharbour’s HARS Aviation Museum.Tour the museum, then join a guided walk onto the wing of the record-breaking Qantas Boeing 747 and see the significant historic aircraft up close.
If ever there was a place to skydive, it’s in Wollongong. Dive from 15,000 feet (tandem, of course) with Sky Dive Wollongong and see the coastal beauty of this region from above.
Shoalhaven’s Bundanon Art Museum has to be one of the most unique offerings in the country. The legacy of artist Arthur Boyd and more than just a gallery, find eco-accommodation, fine dining, award-winning architecture and community here.
Kiama’s Crooked River Estate is about more than just delicious wine.Grab a picnic blanket and enjoy casual food and drinks with live music at Kick Back Fridays, every week.
Between June and August, the Southern Highlands’ Robertson attracts novice truffle hunters. Join the hunt at family-owned and operated Robertson Truffles (alternatively, you can order truffle treats online, if your sense of adventure isn’t up for it).
Discover hidden gems beneath the soil in the Southern Highlands. (Image: Destination NSW)
Where to stay
Road trips are the ultimate promotion for slow travel, encouraging visitors to take their time, enjoy the journey and stop along the way to really immerse themselves in local towns.
Find history and elegance at Berida Hotel in the Southern Highlands. Intimately set amongst gardens, but still close to the main street of Bowral, this 1920s private residence turned boutique hotel is the perfect stay.
Stay in one of Barranca’s private villas with views of rolling farmland overlooking the dramatic escarpment at Kangaroo Valley or be surrounded by native bushland (a short walk from the beach) in Jervis Bay.
Speaking of beachside escapes, Headlands Hotel Austinmer Beach delivers unrivalled access to Wollongong’s beaches. These serviced apartments enjoy coastal views from spacious balconies.
For something completely different again, check in at Cicada Luxury Camping. Stay in safari-style or large bell tents, each with a private fire pit and top-notch kitchen facilities. Outside, enjoy spectacular countryside views.
