Search results for Personal Liability Insurance

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• I am travelling overseas and then around Australia, what am I covered for while in Australia?

  If you have an international policy and travel around Australia as a part of your trip, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. This

• Am I being covered if my luggage is being shipped over by a courier?

  There is an exclusion under the policy wording in the event that your luggage and personal effects were being sent unaccompanied or by post, courier or under a freight contract. You do need to have

• I’m only in transit in the Netherlands. Do I still need travel insurance for the Netherlands?

  If you are only in transit through the Netherlands, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• Does travel insurance cover my hospital bills if I get sick or injured in Hong Kong?

  Regardless of the travel insurance policy that you choose for your overseas trip to Hong Kong, one important benefit we include with all our international policies is the Overseas Emergency Medical

• Does travel insurance cover my hospital bills if I get sick or injured in Sri Lanka?

  Regardless of the travel insurance policy that you choose for your overseas trip to Sri Lanka, one important benefit we include with all our international policies is the Overseas Emergency Medical

• Will my travel insurance cover my hospital bills if I get sick or injured in Japan?

  Regardless of the travel insurance policy that you choose for your overseas trip to Japan, one important benefit we include with all our international policies is the Overseas Emergency Medical and

• I’m only in transit in South Korea. Do I still need travel insurance for South Korea?

  If you are only in transit through South Korea, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• Does travel insurance cover my hospital bills if I get sick or injured in South Korea?

  Regardless of the travel insurance policy that you choose for your overseas trip to South Korea, one important benefit we include with all our international policies is the Overseas Emergency Medical

• Does travel insurance cover my hospital bills if I get sick or injured in the Philippines?

  Regardless of the travel insurance policy that you choose for your overseas trip to the Philippines, one important benefit we include with all our international policies is the Overseas Emergency

• I’m only in transit in the Philippines. Do I still need travel insurance for the Philippines?

  If you are only in transit through the Philippines, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• I’m only in transit in Sri Lanka. Do I still need travel insurance for Sri Lanka?

  If you are only in transit through Sri Lanka, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and listed

• I’m only in transit in Hong Kong. Do I still need travel insurance for Hong Kong?

  If you are only in transit through Hong Kong, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and listed

• I’m only in transit in New Zealand. Do I still need travel insurance for New Zealand?

  If you are only in transit through New Zealand, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• I’m only in transit in New Caledonia. Do I still need travel insurance for New Caledonia?

  If you are only in transit through New Caledonia, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• Does travel insurance cover my hospital bills if I get sick or injured in New Zealand?

  Australia has a Reciprocal Health Care Agreement (RHCA) with New Zealand, meaning you may have some cover for medical costs in New Zealand’s public health system through the agreement. Fast Cover’s

• Does travel insurance cover my hospital bills if I get sick or injured in New Caledonia?

  Regardless of the travel insurance policy that you choose for your overseas trip to New Caledonia, one important benefit we include with all our international policies is the Overseas Emergency

• I’m only in transit in South America. Do I still need travel insurance for South America?

  If you are only in transit through South America, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• I’m only in transit in South Africa. Do I still need travel insurance for South Africa?

  If you are only in transit through South Africa, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• Does travel insurance cover my hospital bills if I get sick or injured in South Africa?

  Regardless of the travel insurance policy that you choose for your overseas trip to South Africa, one important benefit we include with all our international policies is the Overseas Emergency

• Does travel insurance cover my hospital bills if I get sick or injured in South America?

  Regardless of the travel insurance policy that you choose for your overseas trip to South America, one important benefit we include with all our international policies is the Overseas Emergency

• Does travel insurance cover alternative accommodation if I’m affected by bed bugs or other insect infestations?

  Travel insurance with Fast Cover does not provide cover for alternative accommodation costs if you need to move due to bed bugs or other insect infestations. For full details, please refer to the

• Does my travel insurance policy end if I claim for disruption expenses while I’m still overseas?

  No, making a claim for Trip Disruption Expenses while you are overseas does not automatically end your policy. Your cover will continue for the remainder of your insured travel dates. Every claim is

• Do you cover gay, lesbian, de facto couples, and their families covered under travel insurance policies?

  Fast Cover policies recognise couples who are legally married, in a de facto relationship, or in a same-sex relationship in the same way. This means partners can be included on policies such as a Duo

• Can a traveller under 18 buy a travel insurance policy if not travelling with an adult?

  Travellers who are under the age of 18 and not accompanied by an adult are able to purchase a travel insurance policy with Fast Cover. There is no minimum age limit, which means children and

• Is an iPhone covered if it was a gift and is later lost or stolen?

  Yes, the iPhone can be covered under Benefit 14: Luggage and Personal Effects up to a maximum of $1 500, if you have this cover under your policy. If the item is lost, stolen or damaged, you would

• Can I drink alcohol while on my trip, and will I still be covered by travel insurance?

  Consumption of alcohol while travelling is not prohibited under the policy; however, you must be aware that alcohol use may impact your ability to claim under your policy. Fast Cover Travel Insurance

• Am I covered for a new medical condition if I develop it after I buy travel insurance?

  New medical conditions that you have prior to your trip departure: If any changes in health occur (see the PDS for our definition of ‘change in health’), which includes you developing a new medical

• Does the return date on my travel insurance have to match the date I return to Australia?

  Yes — the return date on your Certificate of Insurance must reflect the date you intend to return to Australia. This date sets the length of your cover and ensures you’re protected for your whole

• Will my travel insurance cover my hospital bills if I get sick or injured in the USA?

  The Overseas Emergency Medical and Hospital Expenses Benefit can provide certain protection against the financial burden of unexpected medical emergencies that can happen on your overseas trip to the

• Does travel insurance cover my hospital bills if I get sick or injured in Papua New Guinea?

  Regardless of the travel insurance policy that you choose for your overseas trip to Papua New Guinea, one important benefit we include with all our international policies is the Overseas Emergency

• Can I buy Fast Cover travel insurance after I’ve already left home for a trip around Australia?

  If you are travelling within Australia and have already left home, you are not able to purchase a policy with us, as your trip has already started. Cover must be arranged before you depart on your

• Does travel insurance cover me if I buy a policy after a natural disaster has already happened?

  If you purchase a travel insurance policy after a natural disaster has already occurred, there is no cover for claims related to that event. This is because the natural disaster is considered a known

• What happens if I do not take reasonable care when answering questions for my travel insurance policy?

  When you apply for travel insurance, the answers you provide are used to determine whether cover can be offered, what your premium will be, and how any future claim is assessed. That is why it is

• If my phone breaks while overseas, am I covered to have it repaired or replaced?

  Depending on the policy you have chosen, cover may be available under the Luggage and Personal Effects benefit of your Fast Cover Travel Insurance policy if your phone is damaged while overseas.

• Does travel insurance cover me for my medical expenses if I drive a friend's car when I'm overseas?

  Depending on the policy chosen and the type of expenses you are seeking, cover may be available under the policy benefits. The Overseas Emergency Medical and Hospital Expenses benefit may be able to

• Will my hospital bills be covered by my travel insurance if I get sick or injured in Vietnam?

  Regardless of the travel insurance policy that you choose for your overseas trip to Vietnam, one important benefit we include with all our international policies is the Overseas Emergency Medical and

• Will my hospital bills be covered by my travel insurance if I get sick or injured in Thailand?

  Regardless of the travel insurance policy that you choose for your overseas trip to Thailand, one important benefit we include with all our international policies is the Overseas Emergency Medical

• I’m only in transit in Papua New Guinea. Do I still need travel insurance for Papua New Guinea?

  If you are only in transit through Papua New Guinea, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and

• What happens if I need to make a travel insurance claim and I think I was at fault?

  If something goes wrong while you’re travelling and you think you may have been at fault, it’s still worth submitting a claim so it can be properly assessed. Claims may not be automatically declined

• Am I covered by travel insurance if I am stuck in transit and need to leave the airport?

  Under the Fast Cover Travel Insurance PDS, benefits such as Trip Disruption or Travel Delay may apply if your journey is delayed due to an insured event. In these cases, cover may extend to

• If my family has two separate travel insurance policies, do we pay two excesses for the same claim?

  When family members hold separate policies, each policy is assessed individually. If you all need to claim for the same event, the applicable policy excess would apply to each claim. This means that

• Can a child under the age of 18 have a travel insurance policy if they are travelling by themselves?

  Yes they can! When putting together a quote for their trip, select "Single" in answer to "This Policy is for" and then enter their current age. When you are happy with the quote and wish to purchase

• Will my hospital bills be covered by my travel insurance if I get sick or injured in the UK?

  Australia has a Reciprocal Health Care Agreement (RHCA) with the UK, meaning you may have some cover for medical costs in the UK public health system, the National Health Service (NHS) through the

• When does my travel insurance cover start - on the policy start date or when I board the plane?

  The start of your travel insurance cover depends on the type of policy you have and whether your policy was purchased before or after you departed Australia. If you have purchased your policy before

• Do I still need to buy rental vehicle insurance if I am covered by your Rental Vehicle Excess benefit?

  Rental Vehicle Excess cover does NOT take the place of car rental insurance or third-party damage insurance. This cover is only available if the rental vehicle has insurance cover for damage to or

• Am I covered if my mum, who has insurance with another company, becomes sick while we are travelling together?

  If your mum is considered a travelling companion on your policy and you are together for at least 75% of your trip itinerary, you may be able to claim for only your (not your mother’s) certain costs

• Can I buy Snow cover just for the time that I am skiing?

  Snow Sports cover isn’t usually available just for part of your trip, as the Snow Sports Plus policy normally applies to your whole journey. However, you may be able to purchase a separate Snow

• Am I covered if I leave my luggage with the hotel porter when I check-in and check-out?

  Luggage that is left unattended and/or unsupervised by anyone listed on the policy as well as leaving your luggage with a person you did not know prior to commencing your trip and someone who is not

• Can I claim for a new flight if my airline changes my flight to a time that doesn’t suit me?

  If your airline changes your flight to a different time and it no longer suits your plans, this is usually considered a matter between you and the airline. Travel insurance generally doesn’t cover

• If I have Car Hire Excess Cover, do I still need to take the insurance offered by the rental company?

  The insurance offered by your car rental company is not replaced by rental car excess cover, as rental car excess insurance only covers the EXCESS component of that rental car insurance. You will