TAC Claim in Victoria? Check You're Not Missing Insurance Through Your Super

TAC and super insurance are not the same thing

This is the key point. A TAC claim is part of Victoria's transport accident scheme. Insurance through super depends on your super fund and the policy attached to your account. One does not automatically guarantee the other. But if the accident has affected your ability to work, it can be sensible to review both pathways rather than assuming the TAC claim is the only thing that matters.

What insurance might be inside your super?

Moneysmart says insurance through super can include:

• life cover
• TPD cover
• income protection in some cases.

That matters because a transport accident can affect people in very different ways. Some people recover quickly. Others may face a long period away from work, reduced capacity, or permanent change to their employment prospects. Moneysmart says TPD insurance can pay a lump sum if you become totally and permanently disabled due to illness or injury, while income protection can exist through some super arrangements.

Why this matters after a transport accident

The TAC says it can support recovery after a transport accident and can pay for treatment and services needed after an accident. But that still does not answer whether your super also contains insurance that may need to be checked.

That is why a broader review can matter. A serious road or transport accident may leave someone with:

• a TAC claim
• possible insurance through super
• old or forgotten super accounts that may still matter
• uncertainty about whether they can return to work in the same role, or at all.

TPD in super may be especially important

Moneysmart says TPD insurance can pay a lump sum if you become totally and permanently disabled because of illness or injury. It also says each insurer can use different definitions of disability, so the policy wording matters.

For someone with a serious transport accident injury, that means the question is not just, "Do I have a TAC claim?" It can also be, "Should I check whether my super includes TPD cover?" That is not the same as saying every TAC claimant will qualify. It means the impact of the injury may be serious enough that the super insurance pathway is worth reviewing too.

A key call-out: over 25 and more than $6,000 in super?

This is one of the most important filters to understand. Moneysmart says if you were over 25, had more than $6,000 in super, and were receiving employer contributions, it may be worth checking whether your account included insurance cover.

That does not guarantee cover, and every fund is different. But it is a strong enough sign that many Australians should check rather than assume there is nothing there.

Lost or forgotten super accounts may matter too

If you have worked for different employers over the years, you may have more than one super account. The ATO says you can use ATO online services to track your super and find accounts you have forgotten or lost touch with.

That matters because an older super account from a previous job may have held insurance cover that is still relevant when reviewing your position.

Important: cover can end

Checking early matters because insurance through super does not always stay active forever. Moneysmart says insurance on inactive super accounts can be cancelled if the account has not received contributions for at least 16 months.

So if your work stopped after the accident, or your super contributions changed, your cover may also have changed. That is another reason it can be worth reviewing your super sooner rather than later.

How to check whether you may have insurance through super

Moneysmart says you can check by:

• logging into your super account online
• reviewing your annual statement
• contacting your super fund directly.

When you check, look for:

• the type of cover
• the amount of cover
• whether it is active
• who the insurer is
• any exclusions or policy definitions that may affect you.

ClaimSure's process

1. Complete the form

Start with a quick Free Claim Check.

2. We call to confirm your circumstances

We speak with you about your accident, work situation, and whether your super may need to be reviewed.

3. We help identify your super accounts

We help you check your current super and any lost or forgotten accounts that may matter. The ATO says ATO online services can help you find forgotten or lost accounts.

4. We review your potential options and next steps

We help you understand whether there may be a life insurance, TPD, income protection, or early super pathway worth exploring.

A Victorian note: TAC and work-related transport accidents

TAC's claim page says that if a person is injured in the course of employment, they should consider submitting a WorkSafe claim before submitting a claim to the TAC. That means some transport accidents may involve more than one scheme issue, depending on how the accident happened.

Start with a Free Claim Check

If you are making a TAC claim in Victoria, it may be worth checking your super at the same time. A TAC claim and super insurance are separate pathways, and the fact that one exists does not rule out the other. The safest approach is to review your position properly rather than assume you have already found every possible source of support.

Start your Free Claim Check to see whether you may also have insurance through your super.