If you’ve been injured while travelling to or from work in New South Wales, you may be entitled to workers’ compensation. These types of claims are known as journey claims, and while they can be complex, understanding your rights is an important first step toward getting the support you deserve.

Journey claims NSW are governed by specific workers’ compensation laws that set out when travel-related injuries are covered and what you need to prove. This guide breaks down the eligibility criteria, the claims process, and what to do if your claim is denied, so you can move forward with confidence.

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What is a Journey Claim?

A journey claim is a workers’ compensation claim for an injury sustained while travelling to or from your place of employment, or during a work-related journey. These claims are covered under Section 10 of the Workers Compensation Act 1987 (NSW).

Under NSW workers’ compensation laws, your journey begins when you cross your home boundary and ends when you cross your employer’s boundary. Any injuries sustained during this period may qualify as a journey claim, provided certain conditions are met.

It’s worth noting that your employer’s boundary isn’t limited to the office or worksite itself. For a retail worker, it may include shopping centres; for an office worker, it could extend to office buildings and associated car parks. Once you’ve crossed the employer boundary, any workplace injuries that occur are generally covered under standard workers’ compensation rather than journey claims.

Are Journey Claims Covered in NSW?

Yes, but not automatically. Under the NSW Workers Compensation Act, journey claims are only covered if there is a real and substantial connection between the accident that caused your injury and your employment. 

This is an important distinction – most NSW workers are not automatically covered for a standard commute unless additional factors link the journey to their job. This complexity is why it is advisable to seek independent advice, particularly from experts in the workers’ compensation field.

What Does “Real and Substantial Connection” Mean?

To succeed in a journey claim, you need to demonstrate more than the fact that you were simply travelling to or from work. You must show a strong, well-established reason for connecting your employment to the accident. This means your travel circumstances were shaped by your work in a meaningful way.

Examples of a real and substantial connection include:

  • You were called into work early at short notice and were rushing, contributing to a serious accident
  • You are a rural worker who was held back at work, forcing you to drive home on country roads in poor visibility or darkness
  • Your employer required you to travel a specific route or use a particular mode of transport
  • You were carrying work equipment or documents that contributed to the accident
  • You were travelling between multiple work locations during the day

Each case is assessed on its own facts, and the Workers Compensation Commission considers the specific circumstances surrounding the accident.

When Does Workers’ Compensation Cover Travel to and from Work?

In most cases, NSW workers are not automatically covered for injuries sustained during a regular commute. To claim workers’ compensation for travel to and from work, you must be able to prove a direct link between your employment and the injury—that your transport occurred as a necessary condition of your job or was significantly influenced by your work arrangements.

If you’re injured in a motor vehicle accident while commuting but cannot establish a real and substantial connection to your employment, you may still be able to claim compensation under other circumstances. For example, injuries sustained in a car accident on the way to work may be covered under CTP (Compulsory Third Party) motor vehicle accident insurance.

Occupations With Broader Journey Claim Coverage

Some occupations are entitled to journey claim compensation when travelling to and from work without needing to show a real and substantial connection. Under current legislation, these include:

  • Police officers
  • Paramedics
  • Coal miners
  • Firefighters
  • Emergency services volunteers

These workers are covered by workers’ compensation during their commute because of the nature of their roles and the risks associated with their employment. If you work in one of these occupations and have been injured while travelling to or from work, you may have a straightforward path to making a compensation claim.

Authorised Breaks, Unauthorised Breaks, and Workplace Errands: What’s Covered?

One of the most commonly misunderstood aspects of workers’ compensation in NSW is what happens when you’re injured not during the commute itself, but during a break or interval in your working day. The answer depends largely on whether your activity was authorised or connected to your employment, and it matters more than most people realise.

Authorised Breaks and Recesses

Under the NSW Workers Compensation Act, a lunch break is classified as an “authorised recess.” This means that if you’re injured during an authorised break — even if you’ve stepped outside your employer’s premises — you may still be covered by workers’ compensation. For example, if you walk to a nearby café or park during your lunch break and are injured along the way, a claim may be available to you.

The same principle can apply to other authorised recesses, such as scheduled morning or afternoon breaks, provided the activity you were engaged in at the time of injury was reasonable in the circumstances.

Unauthorised Breaks and Reckless Activity

However, not all break-time injuries are automatically covered. If you take an unauthorised break — one that falls outside your normal work schedule or that your employer has not sanctioned — and are injured during that time, your claim may be at risk.

Similarly, if you engage in reckless or dangerous activity during a break, workers’ compensation cover may not apply. For instance, if a worker leaves the office for an unscheduled outing unrelated to work and is injured, or participates in a dangerous activity during downtime, the insurer may argue the injury did not arise out of or in the course of employment.

Whether an activity is considered unauthorised or reckless is assessed on a case-by-case basis. The Personal Injury Commission will examine the nature of the break, what the worker was doing, whether the employer was aware of or involved in the activity, and the circumstances leading to the injury.

Work Errands and Employer-Directed Activity

An area where many workers are surprised to find they have coverage is when they are injured while completing a task for their employer outside their normal workplace. If your employer directs you to run a work errand — picking up supplies, travelling between worksites, attending an offsite meeting, or delivering documents — and you are injured during that activity, you are likely to be covered under workers’ compensation.

This is because the injury occurs within the course of your employment: you are doing something your employer has induced or encouraged you to do. The connection between your work and the injury is direct and clear.

Intervals and Interludes During an Overall Period of Work

Beyond the standard commute and scheduled breaks, workers’ compensation principles also recognise that an injury can occur during an “interval or interlude” within an overall period of work. This concept became clearly established in Australian law following a significant High Court decision, and it reflects the reality that work is rarely a single, uninterrupted activity.

An interval or interlude might include a short break between tasks, downtime during an overnight work trip, or a period between attending morning and afternoon meetings at different locations. In these situations, whether you are covered depends on whether your employer, expressly or impliedly, induced or encouraged the activity you were engaged in at the time.

For instance, if your employer sends you interstate for two days and you are injured while resting at your hotel overnight, cover is likely available because sleeping is a natural and implied part of being on a work trip. On the other hand, if you use that same trip to visit a friend late at night and are injured on the way back, the connection to your employment becomes much weaker, and a claim may be denied.

This nuance matters because it goes beyond the commute entirely; it acknowledges that employment can create a context in which injuries occur even when you are not actively working. Understanding where that boundary sits is important if you’ve been injured in circumstances that don’t fit neatly into the “commute to work” category.

A Note on Jurisdiction

It’s worth noting that the specific principles governing intervals, interludes, and authorised breaks have been significantly shaped by decisions under Commonwealth workers’ compensation law (which applies to federal government employees). While NSW workers are covered under different legislation — primarily the Workers Compensation Act 1987 (NSW) — the underlying concepts of employer inducement, authorisation, and the connection between activity and employment are relevant across both systems. 

If you are unsure which scheme applies to you, our specialist workers’ compensation team can help you identify the correct framework and assess your options.

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How to Make a Journey Claim

If you’ve been injured during a work-related journey or while commuting and believe your injury has a real and substantial connection to your employment, the following steps outline the general process for making a workers’ compensation journey claim in NSW:

  1. Seek medical attention immediately and ensure your injuries are documented by a medical professional.
  2. Report the injury to your employer as soon as practicable. Providing very late notice can complicate your claim.
  3. Gather evidence to support the connection between your employment and the accident. This may include work rosters, correspondence from your employer, dashcam footage, or witness statements.
  4. Lodge a workers’ compensation claim with your employer’s insurer. Your employer is required to provide you with the relevant claim form.
  5. Contact an experienced personal injury lawyer if you need guidance on establishing the real and substantial connection or if your claim is complex.

Workers’ compensation claims can potentially cover lost wages, medical expenses, and rehabilitation costs if approved. Each claim is evaluated on its own merits, so thorough documentation is essential.

What to Do if Your Journey Claim is Denied

If your workers’ compensation claim is denied, you have the right to challenge the decision. The insurer must provide reasons for the denial, and you can request a review or lodge a dispute with the Workers Compensation Commission in New South Wales.

Having an experienced compensation lawyer on your side can make a significant difference when navigating the dispute process. A lawyer can help you gather additional evidence, identify weaknesses in the insurer’s decision, and represent your interests throughout the proceedings.

Key Takeaways

Have Questions About Journey Claims in NSW?

If you’ve been injured while travelling to or from work and believe you may be eligible for workers’ compensation, the team at Burke Mead Lawyers can help. Our experienced compensation lawyers understand the complexities of journey claims and workers’ compensation laws in NSW, and we’re here to guide you through every step of the process.

Reach out to Burke Mead Lawyers for a free case assessment and feel assured that we will fight to secure the best possible outcome for your personal injury claim.

About the Author
Emma Mead

Emma Mead is an Accredited Specialist in Personal Injury Law, accredited by the Law Society of NSW. She specialises in all personal injury, locally and across New South Wales.