Am I covered for Quad Bike riding?

Note:

• You must NOT be competing or playing professionally.
• You also must be a single rider and NOT racing
• The Adventure Pack is NOT available with the Basics policy
• You are NOT covered under the following benefits if you have the Adventure Pack:
  • Benefit 10: Permanent Disability
  • Benefit 11: Loss of Income
  • Benefit 18: Personal Liability
• Your claim arises from you being in control of a recreational all-terrain vehicle (including but not limited to quad-bikes, trikes and buggies) or are a passenger on a recreational all terrain vehicle unless you: 
  • a. are under the direct supervision of a properly licensed recreational organisation, and; 
  • b. are obeying all relevant safety codes; and 
  • c. are wearing protective gloves and a motorcycle rider’s helmet

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).