Search results for Personal Liability Insurance

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• Am I covered for cancellation if my travelling companion is over the age of 84?

  We may be able to provide cover for cancellation if your travelling companion is aged 84 and younger, provided the claim meets the terms and conditions of the policy. However, there is a general

• Does the Rental Vehicle Excess benefit apply to cars hired in Australia?

  Rental vehicle excess benefits apply to cars hired around the world. Whether it’s a year-long adventure in Canada or a short weekend road trip in Australia, our rental car excess benefits will apply

• Can I claim if my trip is cancelled or rescheduled due to COVID-19?

  If your trip is cancelled or rescheduled due to COVID-19, you should first contact your airline, cruise line, or travel provider to see if they will refund, credit, or rebook your travel. Travel

• Am I still covered if my COVID-19 diagnosis was confirmed by a RAT and not a PCR test?

  For cover to apply under your travel insurance, a COVID-19 diagnosis must be confirmed by a medical practitioner following a PCR test. A positive result from a Rapid Antigen Test (RAT) on its own is

• Is the Bali volcano still active?

  Both Mt Agung and Mt Batur are active volcanoes in Bali. The volcanic activity in Indonesia is continually monitored, however it is not possible to stop a volcano from erupting! If you’re planning a

• Can I get a refund for the unused portion of my policy if I return home early?

  For all policies, if you return home early for any reason and do not intend to do any further travel, we will not refund the unused portion of your policy. If you are unsure of how long you will be

• What is an Excess?

  Excess is the amount that you are required to pay or bear for each claimable event under your policy. The excess on claims depends on the excess you chose at the time that you purchased your policy

• Is Outdoor rock climbing covered?

  Outdoor rock climbing is included as a listed activity under the Adventure Pack. This means the Adventure Pack add-on can be purchased with your Fast Cover travel insurance policy for the activity to

• Is boxing covered?

  Boxing is included as a listed activity under the Adventure Pack. This means you’ll need to purchase the Adventure Pack add-on with your Fast Cover travel insurance policy for the activity to be

• Is Boxing covered?

  Boxing is included as a listed activity under the Adventure Pack. This means you’ll need to purchase the Adventure Pack add-on with your Fast Cover travel insurance policy for the activity to be

• Is Battle re-enactment covered?

  Battle re-enactment is included as a listed activity under the Adventure Pack. This means you’ll need to purchase the Adventure Pack add-on with your Fast Cover travel insurance policy for the

• Are children covered under a Family policy if they attend a Kid’s Club during the trip?

  Children listed on a Family policy remain covered while taking part in organised activities such as a Kid’s Club, as long as they are still travelling with at least one of the adults named on the

• Can I increase the cover for my Wedding Ring?

  Wedding rings, along with all other types of jewellery, are included under the Luggage and Personal Effects benefit up to a maximum of $750 per item. You cannot increase the cover above this limit,

• Can my family or friend make enquiries or changes on my policy?

  A family member or friend can only make enquiries or request changes to your policy if they are formally listed as an authorised third party. If they’re not authorised, they can only ask general

• Can I reduce the amount of the luggage cover on my policy?

  No, the luggage benefit limit is fixed to the level that comes with your chosen policy type. Each policy has a set maximum for luggage and personal effects, and this amount can’t be reduced or

• Do my Pre-Existing Medical Conditions affect my Trip Cancellation Expenses cover?

  If your Pre-Existing Medical Condition is listed as a covered condition on your certificate of insurance and is relevant to the cancellation or shortening of your trip, it will be taken into account

• My motorbike has an engine displacement of more than 250cc, am I covered?

  Cover is not automatically available for riding a motorcycle. If you require cover under our Motorcycle Pack for riding a motorcycle you need to purchase the Motorcycle Pack and pay the additional

• Do I need a return ticket for my policy to be valid?

  If you’re an Australian citizen or permanent resident, you don’t need to hold a return ticket for your policy to be valid, but your trip must end in Australia. When buying your policy, you can simply

• Is there medical cover if I take out the Adventure pack for my Domestic policy?

  There is no cover for medical or ancillary expenses if you take out the Adventure Pack on the Domestic Plus policy. You would have provision to claim for trip cancellation expenses, travel delay

• Is Flying fox/zip lining covered?

  Flying fox or zip-lining is included as a listed activity under the Adventure Pack. This means you’ll need to purchase the Adventure Pack add-on with your Fast Cover travel insurance policy for the

• How much does it cost to add the Adventure Pack to my policy?

  The additional premium for the Adventure Pack varies depending on the policy you have chosen and your circumstances, including factors such as your age, your travel destination, the duration of your

• Is Deep sea fishing covered?

  Deep sea fishing with a licensed commercial operator up to 15 nautical miles off any land mass is included as a listed activity under the Adventure Pack. This means you’ll need to purchase the

• Is Shooting covered?

  Shooting at fixed targets is included under Fast Cover travel insurance policies, provided it is done at a licensed commercially operated shooting range. To be covered for shooting at moving targets,

• Am I covered for wakeboarding?

  Wakeboarding is included as a listed activity under the Adventure Pack. This means you’ll need to purchase the Adventure Pack add-on with your Fast Cover travel insurance policy for the activity to

• Are Racquet and ball sports covered?

  Racquet and ball sports that don’t involve physical contact are included under Fast Cover travel insurance policies. This covers activities such as badminton, baseball, bowling, bowls, cricket,

• Can I buy a Frequent Traveller Saver policy for any Geographical region?

  When you buy a Frequent Traveller Saver policy, you’ll need to choose one of these geographical regions for your journeys: Asia & South Pacific Europe Worldwide Your cover applies to the region

• Does COVID-19 cancellation and disruption cover include meal costs?

  If you need to quarantine or isolate because you test positive for COVID-19, there is no cover for additional food expenses during your original travel dates. However, if your trip extends beyond

• What should I do if my travel plans have changed?

  Travel plans don’t always go the way we expect! If your trip details change, just get in touch with Fast Cover as soon as possible so we can update your policy. If your policy isn’t updated to match

• Is my partner covered to travel with me under my policy?

  Whether your partner is covered depends on the type of policy you have: Duo policy: If your partner is listed on the policy, they are covered for the same travel dates, provided you are travelling

• How much cover is available for Travel Delay Expenses?

  Travel Delay Expenses cover reasonable extra costs you might face if your pre-booked transport is unexpectedly cancelled, rescheduled or delayed. The amount you’re covered for depends on your policy

• Can I claim travel costs if my sporting event is rescheduled?

  Travel insurance does not provide cover if a sporting event itself is rescheduled. Any costs you incur to rearrange flights, accommodation, or other bookings in this situation may not be claimable

• Am I covered if I want to cancel my trip because I’m worried about COVID-19?

  If you decide to cancel your trip due to concern or fear of COVID-19, this is not a covered event under travel insurance. Policies only provide cancellation cover if your trip is disrupted by

• What is a Financial Services Guide (FSG)?

  This Financial Services Guide (FSG) has been designed to help you make an informed decision about the financial services Fast Cover can provide to you. It also contains information about how they and

• Am I covered if I contract COVID-19 overseas and need to see a doctor?

  If you contract COVID-19 overseas and need medical treatment, you may be able to claim for eligible overseas medical expenses, including doctors’ fees, as long as you’re travelling in a country shown

• Can I get a medical only policy for my domestic cruise?

  Depending on the type of domestic cruise you are going on, you may be able to purchase our Basics travel insurance policy which provides you with certain medical, evacuation and repatriation cover.

• Can I claim for trip cancellation If I am made redundant after purchasing my policy?

  Depending on the policy chosen, you may be eligible to claim for Trip Cancellation Expenses if you are made redundant after purchasing your Fast Cover travel insurance policy. We will only pay in

• Do I need a motorbike licence if I am riding a quad bike?

  You do not need a motorcycle licence if you are riding a quad bike. However, you are not automatically covered for quad bike riding and recreational all-terrain vehicles. Cover is available to ride a

• Is Diving underwater covered?

  Diving underwater using an artificial breathing apparatus is included under Fast Cover travel insurance policies, provided the depth does not exceed 10 metres and you either hold an open water diving

• Is Shark cage diving covered?

  Shark cage diving is included under Fast Cover travel insurance policies under specific diving conditions listed in our PDS and include below. Cover is available if the dive is conducted using an

• Is Sailing covered?

  Sailing is included under Fast Cover travel insurance policies under the following conditions: Cover is provided for sailing up to 10 nautical miles off any land mass. If you plan to sail between 11

• Can friends travelling to Canada on the IEC visa buy a Duo policy together?

  You can travel from Canada to other countries on your policy, as long as the countries (or the correct region) are selected on your Certificate of Insurance. If you’re only transiting through another

• Can I claim medical expenses if I get sick overseas from a disease I wasn’t vaccinated against?

  Travelling without the recommended vaccinations can sometimes put you at risk. If you become unwell overseas from a disease that you could have been vaccinated against, your cover may be affected.

• Can I buy extra cover for my camera lense only?

  You can choose to buy extra cover for certain valuable items by listing them as Specified high value items. Cameras and their lenses are eligible, but there is an important detail to know. A camera

• Am I covered if someone I’m travelling with tests positive for COVID-19 and I’m required to quarantine during our trip?

  If a person named on your Certificate of Insurance tests positive for COVID-19 during your trip, and you are personally directed by a government health authority to isolate or quarantine as a result,

• When do you have to pay the excess?

  The excess level that you choose for your policy will apply to a claim that you make. If you make multiple claims arising from the same event, only one excess will apply. However, if your claims

• My flight is delayed and I miss my connecting flight to my cruise, what can I claim for?

  If you have a Comprehensive, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy, you may be able to claim for: Special event transport expenses to get you to the cruise on time.

• Is there cover if I contract COVID-19?

  You may have cover for overseas emergency medical, hospital and medical evacuation costs if you are diagnosed with COVID 19 while you are in a country listed on your Certificate of insurance. This

• What should I do if I can’t get home to Australia because of the Coronavirus (COVID-19) pandemic?

  If you are unable to return to Australia as planned due to the COVID-19 pandemic, your first step should be to contact your airline, cruise line, or travel provider to see if they can reschedule your

• What should I do if the COVID-19 situation changes in the country I am in?

  If the COVID-19 situation changes while you are overseas, for example, new restrictions are introduced, cases rise sharply, or local rules around travel, quarantine, or movement change, your first

• Can I buy one policy to cover both my domestic and overseas travel?

  You can buy one policy to cover both trips if the domestic and international travel are taken in conjunction with one another and you will not be returning home in between the two trips. If you will