Search results for Personal Liability Insurance

1475 articles found

• Does Personal Liability cover apply when renting a vehicle?

  There is no cover under Fast Cover’s Personal Liability benefit if the accident involved the use of a mechanically propelled vehicle. You should check the insurance that you have with the car rental

• Does Fast Cover provide cover for Personal Liability?

  Cover is available for Personal Liability under our Comprehensive, Snow Sports Plus, Standard Saver, Domestic Plus, Frequent Traveller Plus and Basics policies. Eligibility criteria, policy terms,

• If I cause damage with my rental car, am I covered for the damage under the Personal Liability benefit?

  There is no cover under Fast Cover’s Personal Liability benefit if the accident involved the use of a mechanically propelled vehicle. You should contact your rental vehicle insurance company

• Are personal liability and legal costs covered if I was involved in a car accident and I was the driver?

  There is no cover under Fast Cover’s Personal Liability benefit if the accident involved the use of a mechanically propelled vehicle. As each individual’s circumstances are different, we will assess

• I have been charged for accidentally damaging the benchtop in the apartment that I rented. Can I claim?

  You can submit a claim, and cover under the Personal Liability benefit will be assessed depending on the circumstances. It will be assessed to see if there is any legal liability you have to pay

• What is 'Personal Liability' cover?

  The Personal Liability benefit provides cover for expenses incurred when you cause injury, and/or property damage in an accident, or series of accidents during your trip. Note: You only have this

• What is the difference between 'lost' and 'unsupervised' items under Fast Cover Travel Insurance?

  Under Fast Cover travel insurance, how an item is classified—whether as “lost” or “unsupervised”—can affect whether a claim may be paid. A “lost” item means: Any personal item owned by you, that is

• Do I need to tell you the amount of the input tax credit for my policy?

  If you’re a business traveller and entitled to claim an input tax credit on a cost you’re claiming for (or would be entitled to if you were replacing a lost or stolen item), the amount we pay will be

• What is the Privacy Statement?

  We value your privacy. Our Privacy Policy, available at fastcover.com.au/privacy, sets out how we protect your personal information. Fast Cover Pty Ltd are subject to the privacy principles under the

• What should I do if I am also covered by another insurance company?

  If you have another insurance policy that may also cover the same loss, damage, or liability, you’ll need to let us know and provide the details of that insurer and policy. We may seek contribution

• What is the best travel insurance?

  The best travel insurance for everyone is different because it can be considered as the one that fits your personal needs, travel plans, and budget while covering the things that matter most to you.

• How do I choose travel insurance?

  The right travel insurance depends on your destination, trip length, activities, health needs, your personal and financial circumstances and budget. Fast Cover offers different policy types, from

• Can I get travel insurance if I’m on 482, 485, 407 visa?

  If you’re a temporary resident of Australia (for example, on a visa), you may be eligible to purchase a Fast Cover travel insurance policy, provided you meet all of the following conditions: You are

• Which travel insurance policy is best for me?

  The best travel insurance policy depends on your destination, trip length, planned activities, health needs, and budget. Fast Cover offers different options, including: Comprehensive Standard Saver

• What happens after my Credit expires?

  If your travel credit has expired, you can contact us to request for it to be reinstated. Whether this can be approved will depend on the circumstances and eligibility criteria at the time of your

• What if my new policy costs less than my Credit?

  If your new policy is cheaper than the value of your Credit, the remaining balance will stay on your account and can be used for a future policy as long as it’s used before the original Credit expiry

• How do sub limits work if I have the Basics policy with 2,000 of luggage cover?

  If you’ve added the optional luggage cover to your Basics policy, you’re covered for up to $2,000 in total for all your luggage and personal items combined. Sub limits still apply, which means each

• Is travel insurance tax deductible?

  In most cases, travel insurance is not tax deductible when purchased for personal holidays. However, if the policy is taken out specifically for work-related travel, you may be able to claim it as a

• What does it mean when an item is considered ‘Unsupervised’?

  When something is described as unsupervised, it means your belongings have been left somewhere without you watching over them and without anyone whom you either knew prior to commencing your trip or

• Are items left behind in taxis, trains, planes, or hotel rooms covered?

  Items that are left behind in taxis, trains, planes, or hotel rooms after check-out are not covered, as they are considered to have been left unsupervised. Travel insurance requires that luggage and

• Does travel insurance include GST?

  GST (Goods and Services Tax) may apply to your Fast Cover Travel Insurance policy depending on the type of policy and your individual circumstances: Domestic Plus Policy and Frequent Traveller Saver

• What does travel insurance cover?

  Depending on the policy you have chosen, travel insurance can cover you for unexpected costs that happen before or during your trip. This may include overseas medical and hospital expenses, trip

• What does ‘Luggage and Personal Effects’ mean in travel insurance?

  ‘Luggage and Personal Effects’ refer to your personal items that you own and take with you, or buy during your trip, which are designed to be worn or carried. This can include: Clothing Personal

• Is travel insurance compulsory?

  Travel insurance isn’t a legal requirement for most destinations, but some countries might make it mandatory, especially if proof of insurance is needed for a visa. Even where it’s not compulsory,

• When will I receive my travel insurance documents?

  Your travel insurance documents, including your Certificate of Insurance, emergency contacts, and the PDS, are emailed to you immediately after payment is processed. If you’d prefer a printed copy by

• What if my new policy costs more than my Credit?

  If your new policy is more expensive than the value of your Credit, the Credit will be applied in full, and you’ll just need to pay the remaining balance at checkout. Please note that Credits can’t

• Is it worth it to get travel insurance?

  The value of insurance may be considered to be worth it when you consider the cost of travel insurance cover, which is most likely to be relatively small compared to the cost of your total holiday.

• Do I really need travel insurance?

  Whether you need insurance is a decision to be made by yourself only and should certainly be considered for anyone who cannot predict the future. It is designed to provide cover for unexpected and

• When should you buy travel insurance?

  You can buy travel insurance up to 12 months before your trip and right up until the day you depart. For most policies, cancellation cover begins as soon as the policy is issued, which means you’re

• Does travel insurance cover terrorism?

  Travel insurance may respond to terrorism related events in some situations, but it depends on how the incident impacts your trip and whether it meets the policy conditions. Fast Cover will not pay

• What is your privacy policy?

  We value your privacy. Our Privacy Policy, available at fastcover.com.au/privacy, sets out how we protect your personal information. Fast Cover Pty Ltd are subject to the privacy principles under the

• How long do I have to lodge my travel insurance claim?

  For general claims, you must give us notice of your claim as soon as you can on your return home. For medical, hospital or dental claims, please contact us as soon as possible so that we may assist

• How much does travel insurance cost?

  The cost of travel insurance is calculated on your specific trip and considers a number of factors including but not limited to: Which countries you're travelling to The duration of your trip Your

• What is the General Insurance Code of Practice?

  The Insurance Council of Australia Limited has developed the General Insurance Code of Practice (“the Code”), which is a voluntary self-regulatory code. The Code aims to raise the standards of

• Does Fast Cover travel insurance cover natural disasters?

  Fast Cover travel insurance can cover natural disaster related events, but it depends on when the event occurs and how it affects your trip. Under the Fast Cover Travel Insurance PDS, natural

• Am I covered if I leave my skis unlocked outside the cafe for 15 mins, and they are stolen?

  Cover may not available if you leave your snow sports equipment such as skis unsupervised. Under our Snow Sports Equipment benefit and Luggage and Personal Effects benefit it is a condition of cover

• What does “unspecified items” mean?

  Unspecified items are your everyday belongings that you take on your trip without listing them individually on your policy. Things like clothing, toiletries, shoes, books, phones, cameras and most

• Am I covered for Ambulance costs if I have a Domestic Plus policy?

  Medical expenses incurred in Australia are covered by Medicare or your private health insurance. Therefore, Fast Cover’s Domestic Plus policy does not provide cover for medical expenses incurred in

• Will the cost of my new policy be the same as my old policy?

  Not necessarily. The cost of your new policy may differ from your old one because premiums are calculated based on many factors for example, your age at the time of purchase, destination, trip

• I’m a temporary resident of Australia — can I buy travel insurance if my health insurance ends when I leave for my holiday?

  Unfortunately, you won’t be eligible for a Fast Cover travel insurance policy if your Australian private health insurance ends before your return to Australia. To be eligible, your private health

• Is it cheaper to buy travel insurance online?

  The cost of your travel insurance is the same whether you buy it online or over the phone. Purchasing online simply gives you the convenience of completing your policy at any time that suits you. If

• Can I buy travel insurance after booking my flight?

  Travel insurance can be purchased after booking your flight. For some policies, cancellation cover begins from the date the policy is issued, not the departure date. This means any unexpected events

• Can travel insurance be claimed on income tax?

  You should speak with your accountant or tax agent to confirm whether you can claim any portion of your travel insurance on your income tax.

• Can I make a claim if my belongings were left unsupervised in a public place?

  If your luggage or personal items were left unsupervised in a public place, they aren’t considered secure, and losses from those situations aren’t covered. This includes moments like leaving bags on

• Can I increase the value on my watch?

  Dress watches, such as Rolex or Tag Heuer styles, are considered jewellery under the policy. These items are included up to a maximum of $750, and the cover limit for this type of watch cannot be

• Can you trust cheap travel insurance?

  Cheap travel insurance may look appealing, but it’s important to check exactly what is (and isn’t) covered. Lower-priced policies often provide limited benefits, smaller cover limits, or exclude

• How do I report Fraud?

  Submitting an insurance claim that is not true, correct, or for an event that did not occur, is misleading or exaggerated might be an offence under Australian Law and might lead to prosecution. If

• What is 'Delay of Luggage and personal effects' cover?

  The Delay of Luggage and Personal Effects benefit reimburses you for the reasonable cost of essential clothing and personal items you need to buy if your checked luggage is delayed, misdirected, or

• Are trailers covered under the Rental Vehicle Excess benefit?

  Trailers are not included under the Rental Vehicle definition and therefore are not included under the Rental vehicle insurance excess benefit. A 'Rental Vehicle' must be a hatchback, sedan, station

• Can a dependent listed on a travel insurance policy be covered for the Rental Vehicle Excess benefit?

  Travelling together Cover is available for dependant children if your dependant will be travelling with you for 100% of the trip, meets the definition of "dependant’ in our policy wording, and they