What does 'Snow Sport' mean in the PDS?

Under your Fast Cover travel insurance policy, ‘Snow Sports’ refers to a specific list of recreational snow-based activities specifically listed in the in “Words with Special Meaning” section of the Product Disclosure Statement (PDS). These activities that are covered only when you purchase the optional Snow Sports Plus policy. The cover is subject to the terms, conditions, exclusions, limits, and sub-limits outlined in the PDS. 

The Snow Sports Plus Policy provides cover for the following activities: 

  • Recreational skiing and snowboarding 
  • Big foot skiing and snowboarding 
  • Cross-country skiing and snowboarding (along a designated cross-country ski route only) 
  • Ice hockey (not competitive) 
  • Ice skating 
  • Lugeing (on ice provided by a commercial operator and available to the general public only) 
  • Mono skiing 
  • Snowmobiling 
  • Snowshoeing 
  • Terrain Park skiing and snowboarding (areas available to the general public only) 
  • Tobogganing  

The following activities are covered but must be done with a professional snow sports instructor:  

  • Off-piste skiing or snowboarding 
  • Backcountry skiing and snowboarding 
  • Cat skiing and snowboarding 
  • Glacier skiing and snowboarding 
  • Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)  

We will not pay any claim or loss even if you have purchased the Snow Sports Plus Policy: 

• If it is related to or arising from ski or snowboard racing (including training), ski or snowboard acrobatics, freestyle skiing or snowboarding. 

• If it is related to or arising from Backcountry, cat, glacier or heli-skiing or snowboarding without a Professional snow sport instructor, cross-country skiing outside of a designated cross-country ski route; bobsleighing; parascending (over snow). 

• If you ski or snowboard in violation of the regulations published by the ski resort. 

• If you are participating in a professional capacity. 

• That arises outside the period 15th December to 15th April in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts and heli-skiing operators which are open outside these time periods and have sufficient snow for normal skiing activities. 

• That is excluded by any General Exclusions that apply to all benefits. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance. 

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis in accordance with your specific circumstances, policy terms, conditions, exclusions and Certificate of Insurance. 

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