Peace of Mind

  • We want our Hosts and Guests to have peace of mind and the best Xperience possible when Xchanging through The Room Xchange platform.
  • We’re there for you when accidents happen. We have thought about the worst-case scenarios and have you covered; however we can’t cover everything and you must ensure you have other regular insurance such as sickness, injury, home contents, travel etc.
  • Please read the below carefully. If you would like the full policy then email us
  • Note that all insurance on this page applies to Australian and NZ Hosts and Guest Xchanges only. International Guests are covered when staying with Hosts in Australia.

Public Liability

Up to AUS $10 million public and products liability policy covering users for home services in exchange for accommodation, and vice versa, during the length of the stay, provided the Xchange is made directly via The Room Xchange platform.

No Additional Costs

You pay no extra fees to be covered by our insurance.

You are only covered by The Room Xchange insurance, during the period of a stay facilitated by The Room Xchange. Any additional stay solicited outside of the platform is NOT COVERED.

In Partnership with Intuitive Insurance

  • Intuitive Insurance has arranged The Room Xchange’s policy.
  • Broadform Liability issued by Chubb – covering Public & Products Liability for the platform and users for the business activities listed.

Public Liability Insurance Summary

Subject to the policy terms and conditions always (including payment of an excess), Liability Insurance is secured and extended to cover all Hosts and Guests providing services via The Room Xchange platform against legal liability from any demands for compensation arising from any actual or alleged personal injury and/or property damage to any third parties.

The following services are covered: Host and Guest Xchanges incidental thereto ONLY when provided via the web platform.

Chubb shall indemnify the Insured against all sums, which the Insured shall become legally liable to pay as Compensation in respect of:

  1. Personal Injury
  2. Property Damage

first happening during the Policy Period within the Policy Territory as a result of an Occurrence in connection with the Business.

What is not Covered by the Policy

By way of endorsement to the Policy, the parties agree as follows (subject otherwise to all other terms, conditions, Limits of Liability and exclusions of the Policy):

1. Personal Injury to Contractors, Subcontractors and Labour Hire Personnel Exclusion

This Policy does not indemnify the Insured or any third party beneficiary for any liability directly or indirectly caused by, arising out of or in any way connected with Personal Injury to any contractor or subcontractor or labour hire personnel of the Insured or employee of any contractor or subcontractor or labour hire personnel of the Insured whilst such employee or contractor or subcontractor or labour hire personnel is acting in such capacity.

In all other respects this Policy remains unaltered.

By way of endorsement to the Policy, the parties agree as follows (subject otherwise to all other terms, conditions, Limits of Liability and exclusions of the Policy):

The following additional Exclusion is added to the Policy:

2. Molestation Exclusion

This Policy does not indemnify the Insured or any third party beneficiary for any liability directly or indirectly caused by, arising out of or in any way connected with any actual, threatened or perceived sexual assault, sexual harassment or molestation.

Hosts must ensure they do the appropriate background checks when inviting a Guest into their home.

3. Professional Indemnity Exclusion

This Policy does not indemnify the Insured or any third party beneficiary for any liability directly or indirectly caused by, arising out of or in any way connected with the rendering of or failure to render professional advice or service by the Insured or any error or omission connected therewith.

Important Notice: Please note this is a summary of The Room Xchange’s insurance policy only. Nothing contained herein is general or personal advice. Furthermore, it is declared and agreed that nothing contained in this summary should be understood to be an express or implied condition, term or exclusion which forms part of the Insurer Policy terms and conditions or be relied upon in the event of a Claim.

Please contact The Room Xchange for access to the Insurance Policy Schedules and/or Policy Wordings and exclusion clauses for information as to the specific coverage, terms, conditions and exclusions afforded by the Insurer in the event of an incident, occurrence or Claim. Please also note that each claim is subject to an Excess payable by the Host and Guest.

Common Questions

How does the Public and Products Liability Insurance Policy work?

The insurance policy under the Public Liability Insurance Policy is provided through Chubb one of the world’s most reputable insurance organisations.

The Room Xchange is the policyholder under the policy and The Room Xchange Hosts and Guests, where applicable, are covered by the terms and conditions highlighted above.In the event you are held legally liable to a third party for death or injury, or loss or damage of property resulting from your negligence, you must notify us immediately and forward all documents and information relevant to such event. You mush not, without Chubb’s prior written consent, make any admission, offer, promise of payment. A claims manager will be appointed to administer and resolve the matter in accordance with policies agreed to with The Room Xchange.

Do I need to do anything to be covered under The Room Xchange Insurance Policy?

Agreeing to the terms and conditions when completing your profile and paying $2 per night per Xchange on The Room Xchange platform covers you under the Public and Products Liability Insurance Policy for occurrences during The Room Xchange Xchanges, subject to the policy terms.

What if my Guest burns down my home?

The Host still needs home and contents insurance for their own house. If the Host’s insurer finds that there has been negligence from their Guest they will ask them to file a claim against the Guest. This is when The Room Xchange Public Liability Policy steps in when the Guest does not have their insurance.

How do you uncover who is liable?

Each claim is treated as a separate case and policy. The Host, Guest and The Room Xchange are all reviewed separately.

What is the excess?

The excess is $5000 and is borne and payable by you. Chubb liability to indemnify you only applies in respect of the amount of defence costs and compensation that exceeds the deductible.

File a Claim

If you would like to file a claim under The Room Xchange’s Insurance Policy, please contact us at and we will route you to our third party claims administrator.

Cookie Policy


Cookie Policy

This page describes our cookie policy for (the Website). If you do not accept this Cookie Policy please do not use this site.

What are cookies?

For almost any modern website to work properly, it needs to collect certain basic information on its users. To do this, a site will create files known as cookies – which are small text files – on its users’ computers. These cookies are designed to allow the website to recognise its users on subsequent visits, or to authorise other designated websites to recognise these users for a particular purpose.

Cookies do a lot of different jobs which make your experience of the Internet much smoother and more interactive. For instance, they are used to remember your preferences on sites you visit often, to remember your user ID and the contents of your shopping baskets, and to help you navigate between pages more efficiently. They also help ensure that the advertisements that you see online are more relevant to you and your interests. Much, though not all, of the data that they collect is anonymous, though some of it is designed to detect browsing patterns and approximate geographical location to improve user experience.

Some websites may also contain images called ‘web beacons’ (also known as ‘clear gifs’). Web beacons only collect limited information, including a cookie number, a timestamp, and a record of the page on which they are placed. Websites may also carry web beacons placed by third party advertisers. These beacons do not carry any personally identifiable information and are only used to track the effectiveness of a particular campaign (for example by counting the number of visitors).

Information collected by cookies and web beacons is not personally identifiable.

How do we use cookies?

We collect a number of cookies from our users for various reasons, not least to track our own performance – but also to let us serve you content tailored to your own specifications, hopefully improving your overall experience of the site. Amongst other things, the cookies we use allow users to register to make comments, allow us to calculate how many visitors we have - anonymously, of course - and how long they stay on our site.

We do our utmost to respect users’ privacy. We use cookies to monitor and improve our services, but they do also allow us to sell advertising space, which helps keeps us free to our readers. We sometimes include links on our site to goods and services offered by third parties and we may be paid some commission if you subsequently decide to make a purchase. Cookies may be used to track your visits to third party sites to help ensure that we are paid the correct amounts. Please note that these commercial arrangements do not influence our editorial content in any way.

We believe that your experience of the site would be adversely affected if you opted out of the cookies we use.

What types of cookies are there and which ones do we use?

There are two types of cookie:

Persistent cookies remain on a user’s device for a set period of time specified in the cookie. They are activated each time that the user visits the website that created that particular cookie.

Session cookies are temporary. They allow website operators to link the actions of a user during a browser session. A browser session starts when a user opens the browser window and finishes when they close the browser window. Once you close the browser, all session cookies are deleted.

Cookies also have, broadly speaking, four different functions and can be categorised as follow: ‘strictly necessary’ cookies, ‘performance’ cookies, ‘functionality’ cookies and ‘targeting’ or ‘advertising’ cookies.

Strictly necessary cookies are essential to navigate around a website and use its features. Without them, you wouldn’t be able to use basic services like registration or shopping baskets. These cookies do not gather information about you that could be used for marketing or remembering where you've been on the internet.

Examples of how we use ‘strictly necessary’ cookies include:

Setting unique identifiers for each unique visitor, so site numbers can be analysed.

Allowing you to sign in to The Independent website as a registered user.

Performance cookies collect anonymous data for statistical purposes on how visitors use a website, they don’t contain personal information, and are used to improve your user experience of a website.

Here are some examples of how we use performance cookies:

Gathering data about visits to the Website, including numbers of visitors and visits, length of time spent on the site, pages clicked on or where visitors have come from.

For comparison with other websites using data collected by industry-accepted measurement and research companies.

Information supplied by performance cookies helps us to understand how you use the Website; for example, whether or not you have visited before, what you looked at or clicked on and how you found us. We can then use this data to help improve our services. We generally use independent analytics companies to perform these services for us and when this is the case, these cookies may be set by a third party company (third party cookies).

If you have registered with the Website we can combine the data from the web analytics services and their cookies with the information you have supplied to us, so that we can make your experience more personal by recommending certain programmes to you based on your viewing behaviour or tailoring your emails with content you might find more interesting. We would only do this if you have given us permission to communicate with you. Sometimes the data used from the web analytics companies has been collected before you registered or signed in. In these cases, if we use this data to identify you, we use it only in accordance with our privacy policy.

Functionality cookies allow users to customise how a website looks for them: they can remember usernames, language preferences and regions, and can be used to provide more personal services like local weather reports and traffic news.

Here are some examples of how we use functionality cookies:

Storing your user preferences on Your Account page

Restricting the number of times you're shown a particular advertisement (which is sometimes called ‘frequency capping'.

Remembering if you've been to the site before so that messages intended for first-time users are not displayed to you.

Advertising and targeting cookies are used to deliver advertisements more relevant to you, but can also limit the number of times you see an advertisement, and be used to chart the effectiveness of an ad campaign by tracking users’ clicks. They can also provide security in transactions. They are usually placed by third-party advertising networks with a website operator’s permission, but can be placed by the operator themselves. They can remember that you have visited a website, and this information can be shared with other organisations, including other advertisers. They cannot determine who you are though, as the data collected is never linked to your profile.

The two main ways we use advertising and targeting cookies are set out below:

Interest-based advertising (or online behavioural advertising) is where cookies are placed on your device by our third party service providers which remember your web browsing activity and group together your interests in order to provide you with targeted advertisements which are more relevant to you when you visit Your previous web browsing activity can also be used to infer things about you, such as your demographics (age, gender etc.). This information may also be used to make the advertising on more relevant to you.

‘Retargeting’ is a form of interest-based advertising that enables our advertising partners to show you advertisements selected based on your online browsing activity away from the Website. This allows companies to advertise to people who previously visited their website. These cookies will usually be placed on your device by third-party advertising networks and we have listed the main third party networks we work with below.

Without these cookies, online advertisements you encounter will be less relevant to you and your interests. If you would like more information about interest-based advertising, including how to opt-out of these cookies, please visit

How do I control my cookies?

You should be aware that any preferences will be lost if you delete cookies and many websites will not work properly or you will lose some functionality. We do not recommend turning cookies off when using our Website for these reasons.

Most browsers accept cookies automatically, but you can alter the settings of your browser to erase cookies or prevent automatic acceptance if you prefer. Generally, you have the option to see what cookies you’ve got and delete them individually, block third party cookies or cookies from particular sites, accept all cookies, to be notified when a cookie is issued or reject all cookies. Visit the ‘options’ or ‘preferences’ menu on your browser to change settings and check the following links for more browser-specific information.

Cookie settings in Internet Explorer
Cookie settings in Firefox
Cookie settings in Chrome
Cookie settings in Safari


User agreement

By continuing to use our site, you agree to the placement of cookies on your device. If you choose not to receive our cookies, we cannot guarantee that your experience will be as fulfilling as it would otherwise be. For instance, the site won’t be able to recognise your commenter ID, meaning that you won’t be able to leave comments.