Search results for Personal Liability Insurance
531 articles found
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Does the return date on my policy have to be the date that I return to Australia?
For your policy to be valid, the return date on your Certificate of Insurance MUST be the date that you intend to return to Australia. Note: If you are not sure when you will return to Australia, the
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What is the maximum trip duration?
Single Trip policies (Comprehensive, Standard Saver, Snow Sports Plus and Basics): You can be covered up to a maximum of 2 years. Domestic Plus policies: You can be covered up to a maximum of 92 days
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Is my partner covered to leave with me?
If your partner is listed on your DUO policy, they would have cover to travel with you as per the travel dates on your policy and you must be travelling together for at least 75% of the time. If you
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What is the meaning of Injure', Injured' or 'Injury' in the PDS?
'Injure', 'Injured', 'Injuring or 'Injury' means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your
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What should I do if my rental car is damaged or stolen?
You should: 1. Advise your rental car company as soon as you can. 2. The rental car company will put together a repair account and/or quote for the cost of repairing the rental vehicle (sometimes
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What is Snow sports cover?
For travelling in Australia: The Domestic policy provides cover for your snow equipment, snow equipment replacement hire, prepaid expenses like lift passes, ski equipment hire or lessons and snow
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What is my duty to take reasonable care not to make a misrepresentation when I buy a Fast Cover policy for the first time?
Before you purchase a new policy, you have a duty to take reasonable care not to make a misrepresentation. What that means is that you need to take reasonable care to provide honest, accurate and
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Does the definition of a pre-existing medical condition just apply to the policy holder?
The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for
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Will my grandchildren be covered under this policy?
Grandkids can be covered under a Family or Single policy if they are your own grandchildren (including grandchildren for whom you are the legal guardian) provided they are aged 20 and younger and not
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What should I do if my camera has been stolen?
You must: where it is reasonably possible, report the loss or theft as soon as practicable, but preferably within 24-hours to the police or an office of the bus line, airline, shipping line or rail
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What should I do if I have lost my phone?
You must: where it is reasonably possible, report the loss or theft as soon as practicable, but preferably within 24-hours to the police or an office of the bus line, airline, shipping line or rail
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My eye sight is getting blurry and I'm having trouble seeing things, am I covered to see the optometrist?
If your claim arises as a result of circumstances covered under the policy, cover is available under the Overseas Emergency Medical and Hospital Expenses benefit for you to visit the optometrist if
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My travel plans have changed, what do I do?
If you want to make changes to your policy, you should contact us as soon as you can to make the relevant changes to your trip. If you do not contact us to amend your policy, you may not have cover
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What is 'Golf equipment hire' cover?
You only have this cover if you purchased the Golf Pack under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. We will pay: for accidental
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Is there a cooling off period for any Already Overseas policy?
Policy purchased 25 days or more before the policy ‘Depart Date’: The cooling off period would end 25 days after you buy your policy. Policy purchased less than 25 days before the policy ‘Depart
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Is there cover for border closures, lockdowns or travel bans?
No, there is no cover for any travel restrictions (border closure, lockdown, curfew, isolation, quarantine or other restriction of movement) imposed by any government or public authority prior to or
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Why have you changed underwriters?
At Fast Cover, we are always looking to partner with who we believe can provide the best for our travellers. We want to provide our travellers with value for money. This means great cover for a great
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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
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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
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Can I extend my policy if I am 90 years of age and already overseas?
No, policy extensions are NOT available to travellers aged 90 and over unless your trip is necessarily extended due to an event that entitles you to make a claim under this policy. For example: If
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What is 'Trip Cancellation Expenses' cover?
The Trip Cancellation Expenses benefit reimburses you for pre-paid trip bookings (e.g. flights, accommodation or tours), if you are required, to cancel or re-schedule prior to departure, or shorten
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What should I do if I have damaged my camera?
You must: where it is reasonably possible, report the loss or theft as soon as practicable, but preferably within 24-hours to the police or an office of the bus line, airline, shipping line or rail
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Do you cover for riding a moped or scooter?
To be covered for moped or scooter riding you will need to take out the Motorcycle Pack. You are covered to ride a moped or scooter with an engine size no greater than 50cc provided you: Have a
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Is motorcycle riding covered?
You are NOT automatically covered. To be covered for Motorcycle riding you will need to take out the Motorcycle Pack. You are covered to ride a moped or scooter with an engine size no greater than
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If my return home is delayed because I have contracted COVID-19, am I covered for the loss of my income?
No, cover is not available for your loss of income if you contract COVID-19 and your return home is delayed. The Loss of Income benefit is a specific benefit that provides you with cover if you are
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What is a Family policy?
A Family policy is a policy for: you, your spouse (or someone legally recognised in Australia as your de facto partner) and your dependants; or you, your spouse (or someone legally recognised in
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Am I covered if I have a stent?
The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for
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Why are your Already Overseas policies more expensive than policies which start in Australia?
Our policies are priced depending on your age, where you're travelling to, how long you're travelling for and the type of activities that you'll be doing. From our experience, a traveller who buys a
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Am I covered if I've had a heart attack?
The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for
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Are food allergies and intolerances covered?
We may be able to provide you with cover through a medical screening if you have a food allergy or intolerance which you were aware of or a reasonable person in the circumstances would have been
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Am I covered if my shoes are confiscated, destroyed or I have been asked to dispose of them before entering a country after being in Indonesia?
No. You are not covered for the costs of any personal items that are confiscated or you are asked to dispose of. Refer to the General Exclusions in our PDS for more information.
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Is the monsoon season in Asia considered a "Known Event"?
The monsoon season is a seasonal occurrence and would only be considered a "Known event" if it is deemed significantly serious enough to potentially affect your travel plans. So unless a specific
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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
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Is moped, scooter or motorcycle riding covered?
You are NOT automatically covered. To have cover to ride a motorcycle, moped or scooter you will need to purchase the Motorcycle Pack. You are covered to ride a moped or scooter with an engine size
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Am I covered if an airline, cruise line, bus line or rail authority refuses me boarding?
There is cover for cancellation, rescheduling fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way (such as a travel
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Am I covered if I have a general doctor or dental check up while I'm overseas?
The following advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right
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Are race wheels, power metre and Garmen computers considered part of my bike or an accessory?
Race wheels, power metre and Garmen computers are considered bicycle accessories and are covered for up to $750 in total under the Luggage and Personal Effects benefit. Cover is subject to the policy
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How is the value of purchased second hand items determined?
Second hand items are treated as per your usual personal items. The value would be determined by finding out the current market value of the item. For example, the current sale price on Gumtree or
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Are Bicycles covered?
You will need to buy the Bicycle Pack Add-on to cover your Bicycle. Note: Bicycle Accessories (helmets, pumps, etc) are covered under the Luggage and Personal Effects benefit and NOT covered under
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Are airline operational issues (not enough staff, technical or mechanical) covered?
Cover is provided in certain circumstances under the following Benefits : 1) Travel Delay Expenses benefit: reimburses up to $200 per adult listed on the Certificate of Insurance, per day, up to a
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Am I covered if my flight has been cancelled due to bird strikes?
Cover is provided in certain circumstances under the following Benefits: 1) Travel Delay Expenses benefit: reimburses up to $200 per adult listed on the Certificate of Insurance, per day, up to a
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Will the price of my premium change if I have a pre-existing medical condition?
The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for
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Can I put 2 items in the one specified high value item cover?
Under the Luggage and Personal Effects Benefit, you can only specify one item per Specified High value item cover, up to a maximum of $5000 per item or set, and a total of up to $10 000 for all
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Am I covered if my luggage is stolen from the locked boot of my unattended car during daylight hours?
The most we will pay if your luggage and personal effects are stolen from your unattended motor vehicle during daylight hours, provided you have complied with the conditions of cover, is $200 for
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Can I be covered as a dependant on my 22 year old brother's Single policy if I am 19 years of age?
In this situation, a Single policy would only be valid if your brother is your legal guardian (that is, he has legal authority to care for your personal and property interests), travelling together wi
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Do I have to pay the bill for medical claims and then claim them back when I return home?
Yes, if you have received medical treatment, you must keep the receipt and obtain a medical certificate advising of the injury, illness or sickness and the treatment received. You can then claim the
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What Geographical Region does my destination fall under?
For Fast Cover's travel insurance purposes: Region Name Destinations Worldwide North, Central & South America (including Hawaii and the Caribbean), Africa, Middle East, Antarctica, Antarctica Scenic
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Can I buy extra cover for my camera lense only?
Yes, you can choose to increase the value that the camera lens is covered for, for an additional premium. Note: If you increase the cover for your lens, it will then be considered a Specified High Va
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I am travelling overseas and then around Australia, what am I covered for while in Australia?
If you have an overseas policy and travel around Australia as a part of your trip, you would have cover as per the benefits on your overseas policy, excluding the following benefits (even if they are
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How much is my sleep apnoea machine covered for?
Sleep apnoea machines are covered for $750 as unspecified items. You can increase the cover for your slep apnoea machine up to a maximum of $5000. Note: Basics policies do not provide cover for