What is an insurance emergency?

Insurance help is necessary when there is an emergency. Often the government steps in with additional financial assistance. So how does the insurance companies define "emergency"?

  • An emergency means the first statutory declaration of an emergency with respect to a a situation or an impeding situation that constitutes a danger of major proportions. This could result in serious harm to persons or to substantial damage to property. This damage is caused by forces of nature, a disease or other health risk, and accident or an act whether it is intentional or otherwise.
  • Or an emergency is as provided by the relevant governing legislation if different from the definition above.
  • There is a limitation that this does not include any subsequent statutory declarations that may be issued relating to the same event.


Insurance advice should be sought in times of an emergency. Call your insurance company, agent or broker.