Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2026

Administered by Department of the Treasury

Legislation au F2025N01021 In force Notifiable Instrument

Legislation content

 

Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2026

I, Christopher Wallace, Chief Executive, delegate of the Australian Reinsurance Pool Corporation, make the following determination under subsection 8A(7) of the Terrorism and Cyclone Insurance Act 2003.

Dated    

Christopher Wallace

Chief Executive of the Australian Reinsurance Pool Corporation

 

Contents

1  Name

2  Commencement

3  Authority

4  Schedules

5  Definitions

6  Determination

Schedule 1—Repeals

Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2023

 

1  Name

  This instrument is the Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2026.

2  Commencement

 (1)  Each provision of this instrument specified in column 1 of the table commences, or is taken to have commenced, in accordance with column 2 of the table. Any other statement in column 2 has effect according to its terms.

 

Commencement information

Column 1

Column 2

Column 3

Provisions

Commencement

Date/Details

1. The whole of this instrument

1 July 2026.

 

Note: This table relates only to the provisions of this instrument as originally made. It will not be amended to deal with any later amendments of this instrument.

 (2) Any information in column 3 of the table is not part of this instrument. Information may be inserted in this column, or information in it may be edited, in any published version of this instrument.

3  Authority

  This instrument is made under subsection 8A(7) of the Terrorism and Cyclone Insurance Act 2003.

4  Schedules

  Each instrument that is specified in a Schedule to this instrument is amended or repealed as set out in the applicable items in the Schedule concerned, and any other item in a Schedule to this instrument has effect according to its terms.

5  Definitions

Note: Eligible cyclone loss is defined in section 3 of the Act. 

  In this instrument:

Act means the Terrorism and Cyclone Insurance Act 2003.

area that has a postcode, for a postcode, means the area within a polygon with that postcode specified in the dataset that is titled National Postcode Boundaries Dataset of February 2025 published by Geoscape Australia Limited (ABN 23 089 912 710).

Note: The National Postcode Boundaries dataset could in 2025 be accessed on the Geoscape Australia website (https://geoscape.com.au).

6  Determination

  For the purposes of subsection 8A(7) of the Act, the risk of eligible cyclone losses arising in an area that has a postcode listed in the following table is so small as to be negligible:

 

Column 1

Column 2

Column 3

Item

State or Territory

Postcodes

1

Australian Capital Territory

200, 2600, 2601, 2602, 2603, 2604, 2605, 2606, 2607, 2608, 2609, 2610, 2611, 2612, 2614, 2615, 2616, 2617, 2618, 2620, 2900, 2901, 2902, 2903, 2904, 2905, 2906, 2911, 2912, 2913, 2914.

2

New South Wales

1100, 1215, 1220, 1225, 1230, 1231, 1235, 1239, 1240, 1291, 1300, 1335, 1340, 1350, 1355, 1360, 1405, 1435, 1445, 1450, 1455, 1460, 1465, 1466, 1470, 1475, 1480, 1481, 1485, 1490, 1495, 1499, 1515, 1560, 1565, 1570, 1585, 1590, 1595, 1630, 1635, 1640, 1655, 1660, 1670, 1675, 1680, 1685, 1700, 1710, 1715, 1730, 1750, 1755, 1765, 1790, 1800, 1805, 1825, 1835, 1851, 1860, 1871, 1874, 1875, 1885, 1890, 2000, 2001, 2002, 2004, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026, 2027, 2028, 2029, 2030, 2031, 2032, 2033, 2034, 2035, 2036, 2037, 2038, 2039, 2040, 2041, 2042, 2043, 2044, 2045, 2046, 2047, 2048, 2049, 2050, 2052, 2055, 2057, 2059, 2060, 2061, 2062, 2063, 2064, 2065, 2066, 2067, 2068, 2069, 2070, 2071, 2072, 2073, 2074, 2075, 2076, 2077, 2079, 2080, 2081, 2082, 2083, 2084, 2085, 2086, 2087, 2088, 2089, 2090, 2091, 2092, 2093, 2094, 2095, 2096, 2097, 2099, 2100, 2101, 2102, 2103, 2104, 2105, 2106, 2107, 2108, 2109, 2110, 2111, 2112, 2113, 2114, 2115, 2116, 2117, 2118, 2119, 2120, 2121, 2122, 2123, 2124, 2125, 2126, 2127, 2128, 2129, 2130, 2131, 2132, 2133, 2134, 2135, 2136, 2137, 2138, 2139, 2140, 2141, 2142, 2143, 2144, 2145, 2146, 2147, 2148, 2150, 2151, 2152, 2153, 2154, 2155, 2156, 2157, 2158, 2159, 2160, 2161, 2162, 2163, 2164, 2165, 2166, 2167, 2168, 2170, 2171, 2172, 2173, 2174, 2175, 2176, 2177, 2178, 2179, 2190, 2191, 2192, 2193, 2194, 2195, 2196, 2197, 2198, 2199, 2200, 2203, 2204, 2205, 2206, 2207, 2208, 2209, 2210, 2211, 2212, 2213, 2214, 2216, 2217, 2218, 2219, 2220, 2221, 2222, 2223, 2224, 2225, 2226, 2227, 2228, 2229, 2230, 2231, 2232, 2233, 2234, 2250, 2251, 2252, 2256, 2257, 2258, 2259, 2260, 2261, 2262, 2263, 2264, 2265, 2267, 2278, 2280, 2281, 2282, 2283, 2284, 2285, 2286, 2287, 2289, 2290, 2291, 2292, 2293, 2294, 2295, 2296, 2297, 2298, 2299, 2300, 2302, 2303, 2304, 2305, 2306, 2307, 2308, 2309, 2310, 2311, 2312, 2315, 2316, 2317, 2318, 2319, 2320, 2321, 2322, 2323, 2324, 2325, 2326, 2327, 2328, 2329, 2330, 2331, 2333, 2334, 2335, 2336, 2337, 2338, 2339, 2341, 2344, 2395, 2415, 2420, 2421, 2422, 2423, 2424, 2425, 2428, 2429, 2439, 2500, 2502, 2505, 2506, 2508, 2515, 2516, 2517, 2518, 2519, 2520, 2522, 2525, 2526, 2527, 2528, 2529, 2530, 2533, 2534, 2535, 2536, 2537, 2538, 2539, 2540, 2541, 2545, 2546, 2548, 2549, 2550, 2551, 2555, 2556, 2557, 2558, 2559, 2560, 2563, 2564, 2565, 2566, 2567, 2568, 2569, 2570, 2571, 2572, 2573, 2574, 2575, 2576, 2577, 2578, 2579, 2580, 2581, 2582, 2583, 2584, 2585, 2586, 2587, 2588, 2590, 2594, 2611, 2618, 2619, 2620, 2621, 2622, 2623, 2624, 2625, 2626, 2627, 2628, 2629, 2630, 2631, 2632, 2633, 2640, 2641, 2642, 2643, 2644, 2645, 2646, 2647, 2648, 2649, 2650, 2651, 2652, 2653, 2655, 2656, 2658, 2659, 2660, 2661, 2663, 2665, 2666, 2668, 2669, 2671, 2672, 2675, 2678, 2680, 2681, 2700, 2701, 2702, 2703, 2705, 2706, 2707, 2708, 2710, 2711, 2712, 2713, 2714, 2715, 2716, 2717, 2720, 2721, 2722, 2725, 2726, 2727, 2729, 2730, 2731, 2732, 2733, 2734, 2735, 2736, 2737, 2738, 2739, 2745, 2747, 2748, 2749, 2750, 2751, 2752, 2753, 2754, 2756, 2757, 2758, 2759, 2760, 2761, 2762, 2763, 2765, 2766, 2767, 2768, 2769, 2770, 2773, 2774, 2775, 2776, 2777, 2778, 2779, 2780, 2782, 2783, 2784, 2785, 2786, 2787, 2790, 2791, 2792, 2793, 2794, 2795, 2797, 2798, 2799, 2800, 2803, 2804, 2805, 2806, 2807, 2808, 2809, 2810, 2817, 2818, 2820, 2821, 2822, 2823, 2824, 2825, 2826, 2827, 2830, 2834, 2835, 2836, 2838, 2839, 2840, 2842, 2843, 2844, 2845, 2846, 2847, 2848, 2849, 2850, 2852, 2864, 2865, 2866, 2867, 2868, 2869, 2870, 2871, 2873, 2874, 2875, 2876, 2877, 2878, 2879, 2880, 2890, 2891, 2898, 3643, 3644, 3691, 3694, 3707, 4383.

3

Northern Territory

853, 860, 861, 870, 871, 873, 874, 875.

4

Other Territories

2540.

5

Queensland

4383, 4482.

6

South Australia

5000, 5001, 5005, 5006, 5007, 5008, 5009, 5010, 5011, 5012, 5013, 5014, 5015, 5016, 5017, 5018, 5019, 5020, 5021, 5022, 5023, 5024, 5025, 5031, 5032, 5033, 5034, 5035, 5037, 5038, 5039, 5040, 5041, 5042, 5043, 5044, 5045, 5046, 5047, 5048, 5049, 5050, 5051, 5052, 5061, 5062, 5063, 5064, 5065, 5066, 5067, 5068, 5069, 5070, 5071, 5072, 5073, 5074, 5075, 5076, 5081, 5082, 5083, 5084, 5085, 5086, 5087, 5088, 5089, 5090, 5091, 5092, 5093, 5094, 5095, 5096, 5097, 5098, 5106, 5107, 5108, 5109, 5110, 5111, 5112, 5113, 5114, 5115, 5116, 5117, 5118, 5120, 5121, 5125, 5126, 5127, 5131, 5132, 5133, 5134, 5136, 5137, 5138, 5139, 5140, 5141, 5142, 5144, 5150, 5151, 5152, 5153, 5154, 5155, 5156, 5157, 5158, 5159, 5160, 5161, 5162, 5163, 5164, 5165, 5166, 5167, 5168, 5169, 5170, 5171, 5172, 5173, 5174, 5201, 5202, 5203, 5204, 5210, 5211, 5212, 5213, 5214, 5220, 5221, 5222, 5223, 5231, 5232, 5233, 5234, 5235, 5236, 5237, 5238, 5240, 5241, 5242, 5243, 5244, 5245, 5250, 5251, 5252, 5253, 5254, 5255, 5256, 5259, 5260, 5261, 5262, 5263, 5264, 5265, 5266, 5267, 5268, 5269, 5270, 5271, 5272, 5273, 5275, 5276, 5277, 5278, 5279, 5280, 5290, 5291, 5301, 5302, 5303, 5304, 5306, 5307, 5308, 5309, 5310, 5311, 5320, 5321, 5322, 5330, 5331, 5332, 5333, 5340, 5341, 5342, 5343, 5344, 5345, 5346, 5350, 5351, 5352, 5353, 5354, 5355, 5356, 5357, 5360, 5371, 5372, 5373, 5374, 5381, 5400, 5401, 5410, 5411, 5412, 5413, 5414, 5415, 5416, 5417, 5418, 5419, 5420, 5421, 5422, 5431, 5432, 5433, 5434, 5440, 5451, 5452, 5453, 5454, 5455, 5460, 5461, 5462, 5464, 5470, 5471, 5472, 5473, 5480, 5481, 5482, 5483, 5485, 5490, 5491, 5493, 5495, 5501, 5502, 5510, 5520, 5521, 5522, 5523, 5540, 5550, 5552, 5554, 5555, 5556, 5558, 5560, 5570, 5571, 5572, 5573, 5575, 5576, 5577, 5580, 5581, 5582, 5583, 5600, 5601, 5602, 5603, 5604, 5605, 5606, 5607, 5608, 5609, 5611, 5630, 5631, 5632, 5633, 5640, 5641, 5642, 5650, 5651, 5652, 5653, 5654, 5655, 5660, 5661, 5670, 5671, 5680, 5690, 5700, 5701, 5710, 5713, 5715, 5717, 5719, 5720, 5722, 5723, 5724, 5725, 5730, 5731, 5732, 5733, 5734, 5800, 5801, 5810, 5839, 5942, 5950.

7

Tasmania

7000, 7001, 7002, 7004, 7005, 7006, 7007, 7008, 7009, 7010, 7011, 7012, 7015, 7016, 7017, 7018, 7019, 7020, 7021, 7022, 7023, 7024, 7025, 7026, 7027, 7030, 7050, 7051, 7052, 7053, 7054, 7055, 7109, 7112, 7113, 7116, 7117, 7119, 7120, 7139, 7140, 7150, 7151, 7155, 7162, 7163, 7170, 7171, 7172, 7173, 7174, 7175, 7176, 7177, 7178, 7179, 7180, 7182, 7183, 7184, 7185, 7186, 7187, 7190, 7209, 7210, 7211, 7212, 7213, 7214, 7215, 7216, 7248, 7249, 7250, 7252, 7253, 7254, 7255, 7256, 7257, 7258, 7259, 7260, 7261, 7262, 7263, 7264, 7265, 7267, 7268, 7270, 7275, 7276, 7277, 7290, 7291, 7292, 7300, 7301, 7302, 7303, 7304, 7305, 7306, 7307, 7310, 7315, 7316, 7320, 7321, 7322, 7325, 7330, 7331, 7466, 7467, 7468, 7469, 7470.

8

Victoria

3000, 3001, 3002, 3003, 3004, 3006, 3008, 3010, 3011, 3012, 3013, 3015, 3016, 3018, 3019, 3020, 3021, 3022, 3023, 3024, 3025, 3026, 3027, 3028, 3029, 3030, 3031, 3032, 3033, 3034, 3036, 3037, 3038, 3039, 3040, 3041, 3042, 3043, 3044, 3045, 3046, 3047, 3048, 3049, 3050, 3051, 3052, 3053, 3054, 3055, 3056, 3057, 3058, 3059, 3060, 3061, 3062, 3063, 3064, 3065, 3066, 3067, 3068, 3070, 3071, 3072, 3073, 3074, 3075, 3076, 3078, 3079, 3081, 3082, 3083, 3084, 3085, 3086, 3087, 3088, 3089, 3090, 3091, 3093, 3094, 3095, 3096, 3097, 3099, 3101, 3102, 3103, 3104, 3105, 3106, 3107, 3108, 3109, 3111, 3113, 3114, 3115, 3116, 3121, 3122, 3123, 3124, 3125, 3126, 3127, 3128, 3129, 3130, 3131, 3132, 3133, 3134, 3135, 3136, 3137, 3138, 3139, 3140, 3141, 3142, 3143, 3144, 3145, 3146, 3147, 3148, 3149, 3150, 3151, 3152, 3153, 3154, 3155, 3156, 3158, 3159, 3160, 3161, 3162, 3163, 3164, 3165, 3166, 3167, 3168, 3169, 3170, 3171, 3172, 3173, 3174, 3175, 3176, 3177, 3178, 3179, 3180, 3181, 3182, 3183, 3184, 3185, 3186, 3187, 3188, 3189, 3190, 3191, 3192, 3193, 3194, 3195, 3196, 3197, 3198, 3199, 3200, 3201, 3202, 3204, 3205, 3206, 3207, 3211, 3212, 3213, 3214, 3215, 3216, 3217, 3218, 3219, 3220, 3221, 3222, 3223, 3224, 3225, 3226, 3227, 3228, 3230, 3231, 3232, 3233, 3234, 3235, 3236, 3237, 3238, 3239, 3240, 3241, 3242, 3243, 3249, 3250, 3251, 3254, 3260, 3264, 3265, 3266, 3267, 3268, 3269, 3270, 3271, 3272, 3273, 3274, 3275, 3276, 3277, 3278, 3279, 3280, 3281, 3282, 3283, 3284, 3285, 3286, 3287, 3289, 3292, 3293, 3294, 3300, 3301, 3302, 3303, 3304, 3305, 3309, 3310, 3311, 3312, 3314, 3315, 3317, 3318, 3319, 3321, 3322, 3323, 3324, 3325, 3328, 3329, 3330, 3331, 3332, 3333, 3334, 3335, 3336, 3337, 3338, 3340, 3341, 3342, 3345, 3350, 3351, 3352, 3353, 3354, 3355, 3356, 3357, 3358, 3360, 3361, 3363, 3364, 3370, 3371, 3373, 3374, 3375, 3377, 3378, 3379, 3380, 3381, 3384, 3385, 3387, 3388, 3390, 3391, 3392, 3393, 3395, 3396, 3400, 3401, 3402, 3407, 3409, 3412, 3413, 3414, 3415, 3418, 3419, 3420, 3423, 3424, 3427, 3428, 3429, 3430, 3431, 3432, 3433, 3434, 3435, 3437, 3438, 3440, 3441, 3442, 3444, 3446, 3447, 3448, 3450, 3451, 3453, 3458, 3460, 3461, 3462, 3463, 3464, 3465, 3467, 3468, 3469, 3472, 3475, 3477, 3478, 3480, 3482, 3483, 3485, 3487, 3488, 3489, 3490, 3491, 3494, 3496, 3498, 3500, 3501, 3502, 3505, 3506, 3507, 3509, 3512, 3515, 3516, 3517, 3518, 3520, 3521, 3522, 3523, 3525, 3527, 3529, 3530, 3531, 3533, 3537, 3540, 3542, 3544, 3546, 3549, 3550, 3551, 3552, 3554, 3555, 3556, 3557, 3558, 3559, 3561, 3562, 3563, 3564, 3565, 3566, 3567, 3568, 3570, 3571, 3572, 3573, 3575, 3576, 3579, 3580, 3581, 3583, 3584, 3585, 3586, 3588, 3589, 3590, 3591, 3594, 3595, 3596, 3597, 3599, 3607, 3608, 3610, 3612, 3614, 3616, 3617, 3618, 3619, 3620, 3621, 3622, 3623, 3624, 3629, 3630, 3631, 3632, 3633, 3634, 3635, 3636, 3637, 3638, 3639, 3640, 3641, 3643, 3644, 3646, 3647, 3649, 3658, 3659, 3660, 3661, 3662, 3663, 3664, 3665, 3666, 3669, 3670, 3671, 3672, 3673, 3675, 3676, 3677, 3678, 3682, 3683, 3685, 3687, 3688, 3689, 3690, 3691, 3694, 3695, 3697, 3698, 3699, 3700, 3701, 3704, 3705, 3707, 3708, 3709, 3711, 3712, 3713, 3714, 3715, 3717, 3718, 3719, 3720, 3722, 3723, 3724, 3725, 3726, 3727, 3728, 3730, 3732, 3733, 3735, 3736, 3737, 3738, 3739, 3740, 3741, 3744, 3746, 3747, 3749, 3750, 3751, 3752, 3753, 3754, 3755, 3756, 3757, 3758, 3759, 3760, 3761, 3762, 3763, 3764, 3765, 3766, 3767, 3770, 3775, 3777, 3778, 3779, 3781, 3782, 3783, 3785, 3786, 3787, 3788, 3789, 3791, 3792, 3793, 3795, 3796, 3797, 3799, 3800, 3802, 3803, 3804, 3805, 3806, 3807, 3808, 3809, 3810, 3812, 3813, 3814, 3815, 3816, 3818, 3820, 3821, 3822, 3823, 3824, 3825, 3831, 3832, 3833, 3835, 3840, 3841, 3842, 3844, 3847, 3850, 3851, 3852, 3853, 3854, 3856, 3857, 3858, 3859, 3860, 3862, 3864, 3865, 3869, 3870, 3871, 3873, 3874, 3875, 3878, 3880, 3882, 3885, 3886, 3887, 3888, 3889, 3890, 3891, 3892, 3893, 3895, 3896, 3898, 3900, 3902, 3903, 3904, 3909, 3910, 3911, 3912, 3913, 3915, 3916, 3918, 3919, 3920, 3921, 3922, 3923, 3925, 3926, 3927, 3928, 3929, 3930, 3931, 3933, 3934, 3936, 3937, 3938, 3939, 3940, 3941, 3942, 3943, 3944, 3945, 3946, 3950, 3951, 3953, 3954, 3956, 3957, 3958, 3959, 3960, 3962, 3964, 3965, 3966, 3967, 3971, 3975, 3976, 3977, 3978, 3979, 3980, 3981, 3984, 3987, 3988, 3990, 3991, 3992, 3995, 3996, 8001, 8002, 8003, 8004, 8006, 8007, 8008, 8009, 8010, 8011, 8012, 8045, 8051, 8066, 8069, 8070, 8071, 8102, 8107, 8111, 8120, 8205, 8383, 8438, 8511, 8785.

9

Western Australia

6434, 6442, 6446, 6447, 6448, 6450, 6452, 6958.

 


Schedule 1—Repeals

Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2023

1  The whole of the instrument

Repeal the instrument.

 

 

Overview

The Terrorism and Cyclone Insurance Act 2003 was enacted by the Parliament of Australia to provide a framework for the provision of insurance against terrorism and cyclones. The Act aimed to address the gaps in the insurance market by ensuring that insurance policies cover these specific risks. The Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2026, made under the authority of the Act, identifies areas within Australia where the risk of cyclones is negligible, thereby reducing the need for mandatory cyclone insurance in those regions. This determination was issued by Christopher Wallace, the Chief Executive of the Australian Reinsurance Pool Corporation, and came into effect on 1 July 2026. The policy objective is to provide clarity on the areas where cyclone insurance may not be necessary, thereby potentially reducing insurance costs for residents in those regions.

Scope and Application

The Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2026, made under subsection 8A(7) of the Terrorism and Cyclone Insurance Act 2003, identifies areas across Australia where the risk of eligible cyclone losses is deemed to be negligible. This determination applies to specific postcodes within each state and territory, effectively classifying these regions as areas of negligible cyclone risk. The instrument repeals the Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2023, which was previously in effect. The commencement date of this new determination is 1 July 2026, and it applies to the Commonwealth of Australia, covering all states and territories as listed in the schedule. The application of this determination is limited to the geographic areas specified by postcode, with no stated exclusions, exemptions, or thresholds beyond what is specified in the schedule. The instrument may be extended or restricted through subordinate instruments as deemed necessary by the Australian Reinsurance Pool Corporation.

Key Provisions

The Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2026, made under subsection 8A(7) of the Terrorism and Cyclone Insurance Act 2003, specifies certain areas in Australia where the risk of eligible cyclone losses is deemed to be negligible. The determination lists postcodes for various states and territories, including Australian Capital Territory, New South Wales, Northern Territory, Queensland, South Australia, Tasmania, Victoria, and Western Australia. Each provision of this instrument is set to commence on 1 July 2026. This instrument replaces the Terrorism and Cyclone Insurance (Areas of Negligible Cyclone Risk) Determination 2023, which is repealed in its entirety. Entities and parties governed by this Act must ensure that their operations comply with the specified negligible risk areas as outlined in the Determination. This includes correctly identifying the postcodes listed and applying the negligible risk designation where appropriate in their insurance and risk assessment practices. Breaches of this legislation may result in various civil or criminal consequences, although the specific penalties are not detailed in the provided text. Typically, penalties for breaches of such legislative instruments can range from fines to more severe criminal charges, depending on the nature and severity of the breach. The exact penalties would be detailed in the Terrorism and Cyclone Insurance Act 2003 or any related regulations.

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Sourced from the Federal Register of Legislation at 26 August 2026. For the latest information on Australian Government law please go to https://www.legislation.gov.au.