{"id":"F2025L01600","name":"Terrorism and Cyclone Insurance (Declared Terrorist Incident—Bondi Beach) Declaration 2025","slug":"terrorism-and-cyclone-insurance-declared-terrorist-incident-bondi-beach-declaration-2025","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":443094,"registerId":"F2025L01600-fast-fetch-1775958017285","compilationNumber":null,"startDate":"2026-04-12","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Terrorism and Cyclone Insurance (Declared Terrorist Incident—Bondi Beach) Declaration 2025","content":"---\nmeta-content-style-type: text/css\nmeta-content-type: application/xhtml+xml; charset=utf-8\n---\n\n![Commonwealth coat of arms of Australia](image.001.jpeg)\n\n \n\nTerrorism and Cyclone Insurance (Declared Terrorist Incident—Bondi Beach) Declaration 2025\n\nI, Jim Chalmers, Treasurer, being satisfied of the matters set out in subsection 6(1) of the Terrorism and Cyclone Insurance Act 2003, make the following declaration.\n\nDated   16 December 2025\n\n \n\nDr Jim Chalmers\n\nTreasurer\n\n \n\n \n\n \n\n \n\nContents\n\nPart 1—Preliminary\n\n1  Name \n\n2  Commencement\n\n3  Authority\n\n4  Definitions\n\nPart 2—Declaration of terrorist incident\n\n5  Declaration of terrorist incident\n\n \n\nPart 1—Preliminary\n\n \n\n1  Name\n\n  This instrument is the Terrorism and Cyclone Insurance (Declared Terrorist Incident—Bondi Beach) Declaration 2025.\n\n2  Commencement\n\n (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.\n\n \n\n- Commencement information\n- Column 1 Column 2 Column 3\n- Provisions Commencement Date/Details\n- 1. The whole of this instrument The day after this instrument is registered.\n\n\nNote: This table relates only to the provisions of this instrument as originally made.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.\n\n (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.\n\n3  Authority\n\n  This instrument is made under the Terrorism and Cyclone Insurance Act 2003.\n\n4  Definitions\n\nNote: Expressions have the same meaning in this instrument as in the Terrorism and Cyclone Insurance Act 2003 as in force from time to time—see paragraph 13(1)(b) of the Legislation Act 2003.\n\n  In this instrument:\n\nthe Act means the Terrorism and Cyclone Insurance Act 2003.\n\nPart 2—Declaration of terrorist incident\n\n \n\n5  Declaration of terrorist incident\n\n (1) Under subsection 6(1) of the Act, the terrorist act covered by subsection (2) constitutes a declared terrorist incident for the purposes of the Act.\n\n (2) For the purposes of subsection (1), this subsection covers the mass shooting event that occurred at Bondi Beach, New South Wales, on 14 December 2025.\n","sortOrder":0}],"analysis":{"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"kimi_summary":{"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"This instrument performs exactly the function intended by the parent Act: declaring a specific terrorist incident to trigger insurance coverage. It has not expanded beyond this narrow, specific purpose."},"complexity_factors":["Very short instrument (only 5 sections)","No defined terms in section 4 (relies entirely on definitions from the parent Act)","Single operative provision (section 5) with straightforward declaratory function","No cross-references beyond the enabling Act and standard Legislation Act provisions","No conditional logic, exceptions, or administrative procedures","Minimal structural elements (only preliminary and declaration parts)"],"plain_english_summary":"This declaration by the Treasurer formally recognises the 14 Dec 2025 Bondi Beach mass shooting as a \"declared terrorist incident\" under the Terrorism and Cyclone Insurance Act 2003. That recognition activates the government-backed terrorism insurance scheme, obliging insurers to handle related claims and allowing property owners, businesses and victims to pursue compensation that exclusions might otherwise deny."},"flash_summary":{"complexity_score":2,"scope_assessment":{"changed":false,"description":"This instrument does not amend or expand the Act; it applies the Act by declaring a specific event to be a 'declared terrorist incident' under subsection 6(1). It therefore activates the existing scope and mechanisms of the Act for that event but does not change definitions, coverage or the Act's substantive rules (see s 5, s 3, s 4)."},"complexity_factors":["Single-purpose, short declaration limited to a named event (see s 5(2))","Made under and dependent on the Terrorism and Cyclone Insurance Act 2003 for operative effect (see s 3 and definition of the Act in s 4)","Does not itself specify financial or administrative mechanisms—downstream effects depend on the Act's provisions","Asserts satisfaction of the statutory predicate (subsection 6(1) of the Act) without detailing the factual or legal basis","Standard commencement formalities only (see s 2)","Executive decision recorded by Treasurer's signature; discretion lies in the statutory test and its application (instrument signed by Treasurer)"],"plain_english_summary":"This instrument, made by the Treasurer under the Terrorism and Cyclone Insurance Act 2003, declares that the mass shooting at Bondi Beach on 14 December 2025 is a \"declared terrorist incident\". Mechanically, that designation activates the insurance-related provisions of the Act for that event and therefore affects parties governed by the Act (for example, insurers and policyholders). The instrument itself does not set payments or policies; it simply triggers the Act’s processes and the discretion provided in the Act."}},"importantCases":[],"_links":{"self":"/api/acts/terrorism-and-cyclone-insurance-declared-terrorist-incident-bondi-beach-declaration-2025","history":"/api/acts/terrorism-and-cyclone-insurance-declared-terrorist-incident-bondi-beach-declaration-2025/history","analysis":"/api/acts/terrorism-and-cyclone-insurance-declared-terrorist-incident-bondi-beach-declaration-2025/analysis","conflicts":"/api/acts/terrorism-and-cyclone-insurance-declared-terrorist-incident-bondi-beach-declaration-2025/conflicts","importantCases":"/api/acts/terrorism-and-cyclone-insurance-declared-terrorist-incident-bondi-beach-declaration-2025/important-cases","documents":"/api/acts/terrorism-and-cyclone-insurance-declared-terrorist-incident-bondi-beach-declaration-2025/documents"}}