What’s Covered?

TikCover has several layers of protection to look after your ticket cost in the event of things like…

worldGeneral Catastrophe

A General Catastrophe is something that affects the whole community, city, state or even something global, such as a bushfire or a pandemic as we’ve recently encountered.

The way that such a General Catastrophe would be accepted as a reason to trigger a TikCover refund would be an incident grave enough as for State or Federal Government authorities to alter or enact legislation or law that would make it impossible or unlawful for the event to take place. A good example would be Covid-19 where some states placed a limitation on mass gatherings that would cause an event to be cancelled.

An event that goes ahead legally would therefore not trigger the ability for any ticket-holder to use General Catastrophe as a reason to apply for a ticket refund.

Venue Catastrophe

If something unforeseen happens to the venue. This can be damage, license or zoning changes or any other unfortunate situation that prevents the venue from being able to host the event.

Event Manager Catastrophe

If anything unforeseen (like the above) happens to the event manager preventing the event from going ahead.

Ticket Holder Catastrophe

If the ticket holder experiences a major health incident (severe injury, severe illness requiring emergency medical intervention / hospitalisation etc) preventing attendance at the event.

Having a cold or ordinary flu that makes you feel unwell, even with a regular GP Doctor’s certificate, does not constitute a “Catastrophe”.

Bereavement (immediate family member passing etc)

Other unforeseeable personal catastrophe (home fire/weather decimation etc.) within a week of the event date preventing attendance at the event.

In the above examples, documented evidence would need to be received to verify the incident.

What portion of my costs is refundable when eligible?

The raw cost of the event ticket only. Not the cost of the TikCover component or any booking fee imposed by the ticketing facility used to purchase it, or any credit card merchant processing fees.

For instance, on a concert where the ticket was $100, the TikCover component was $10 and the Booking Fee was $5. The overall outlay was $115, however only the $100 ticket cost is refundable for an eligible refund request.

What TikCover DOES NOT cover you for…

If you make a successful refund request, you must be aware that the refund will not include the cost of TikCover added to the cost of the ticket (and associated transaction fees imposed by the vendor). It will ONLY cover the cost of the ticket and booking fees.

  • Refund requests submitted AFTER the commencement time of the event.
  • Changing your mind on a ticket purchase.
  • Your partner deciding not to come to an event with you.
  • Being forbidden to attend by a parent, guardian or government authority.
  • Illness or injury to someone other than a ticket holder.
  • Evacuation or cancellation due to terrorism threat, fire threat, criminal mischief threat, unruly or illegal behaviour at the event causing the event to be shut down or preventing it from proceeding.
  • Transport problems.
  • Wardrobe malfunctions.
  • Emotional breakdowns or arguments.
  • Motor vehicle accidents (unless they result in catastrophic injury requiring emergency medical intervention as described above).
  • Failure to remember that the event is on.
  • Failure to be organised early enough to attend.
  • Conflicting events scheduled on the same date.
  • Any other occurrence resulting in failure of attendance at the event deemed to be unacceptable by the Event Manager, Security staff or the Venue staff.

If your ticket is scanned in at the door, you are deemed to have attended.


  • Your ticket will not be covered if your Covid-19 medical diagnosis OR your notice from Government agencies that you are registered as a “Close Contact” and are MANDATED to self-isolate PREDATES the ticket purchase date.
  • If you purchase tickets with TikCover, then subsequently become medically diagnosed with Covid-19 within 2 weeks of your event date, you will be covered if you cannot attend, subject to normal conditions of TikCover and notification or claim timeframes. “Close Contacts” are only covered for the length of time prior to the event date that the state government mandates as a minimum self-isolation period at the time and date of the event.
  • “Proof” of diagnosis and / or mandatory isolation would be required for any claims.
  • “Diagnosed”, “Close-Contacts” are defined as follows…
    • “Diagnosed” means documented diagnosis by a registered medical doctor
    • “Close-Contact” means registered and documented as a close contact by the state government
    • “Proof” means official documentation, either written or digital, from relevant authorities or officials that can, and will, be verified by those authorities or officials upon request.