Trip Cover

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Trip Cover can be purchased to insure you against certain unexpected losses that may arise during your journey.  You will be offered the opportunity to purchase Trip Cover during your online booking.  If you have already made your booking or booked through a third party and would like to add Trip Cover, please contact Chubb Insurance New Zealand Limited directly at or 0800 422 346.

What am I covered for?

Key Benefits                                                                     Maximum Limit (Per Insured Person)

Loss of Deposits and Cancellation Charges  

Cover if your Journey or One Way Trip is cancelled, curtailed, or unable to be completed due to specific unforeseen circumstances outside of your control.



Luggage and Travel Documents

Cover for the loss of, theft of or damage to your luggage, Electronic Equipment and Travel Documents.



Luggage and Personal Effects Delay

Cover to reimburse reasonable expenses incurred in purchasing essential replacement clothing or toiletries if KiwiRail Scenic Journeys or an authorised operator of a KiwiRail Scenic Journeys package loses or temporarily mislays your Personal Effects for more than 8 hours.



Travel Delay

Cover to reimburse the reasonable cost of accommodation, meals and toiletries if your Conveyance is delayed by more than 6 hours.



Personal Liability

Cover if you become legally liable to pay damages caused by an accident.



Search and Rescue Expenses

Cover for necessary and reasonable costs of search and rescue operations when reported as missing.


$10,000 (per event)

Accidental Loss of Life

Cover for your Accidental Loss of Life as a result of Accidental Injury.


$25,000 (per adult)

$10,000 (per dependant child)

Policy Wording 

Please click here to read the Policy Wording document for full terms, conditions, definitions and exclusions

How to make a claim

  • Advise all claims to Chubb within 30 days of a claim event or as soon as reasonably practicable. (See below for contact details.)
  • You must submit all supporting documentation as shown on your claim form.
  • Immediately report all loss, theft or damage under any luggage loss or damage to the police, KiwiRail Scenic Journeys or other travel carrier and obtain a written acknowledgement.
  • For liability claims do not make any admission or offer. Request the claim against you be put in writing.

Click the following link to access the claim centre:

Contact Chubb

You can contact Chubb to discuss Trip Cover by calling 0800 422 346   (Monday to Friday 10:30am - 7:00pm). Alternatively, you can email Chubb at
KiwiRail Scenic Journeys a division of KiwiRail Limited (Company number 487638) promotes this product and Chubb Insurance New Zealand Limited (Company number 104656, FSP No. 35924) (Chubb) insures this product. KiwiRail Scenic Journeys and Chubb provide general/class advice only and do not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the Qualifying Financial Entity Disclosure Statement (QFEDS) and Policy Wording Document. You must be 18 years old or over to purchase Trip Cover. Cover can be purchased on behalf of people under 18 years old.

About ACE

Chubb is one of the world’s largest publicly traded property and casualty insurer. Chubb’s operation in New Zealand (ACE Insurance Limited) offers corporate Property & Casualty, Group Personal Accident and corporate Travel Insurance products through brokers.

More information can be found at