Search results for Personal Liability Insurance
531 articles found
-
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
-
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
-
What is a sub-limit?
A sub-limit is a "part of", rather than "in addition" to, the maximum limit that applies to a benefit. The sub-limit is the most that we will pay for that particular type of claim. For example: If you
-
Can I reduce the amount of the luggage cover on my policy?
It is not possible to reduce or increase the luggage and personal effects cover within the policy that you have chosen for your trip. The amount of luggage cover we can provide varies with the type
-
What are sub-limits?
A sub-limit is a part of an original larger limit, and not in addition to: sub-limits do not provide extra cover, they are a maximum amount within that original larger amount that be reimbursed for a
-
Are my cochlear implants covered?
Yes, provided you take reasonable measures to protect your cochlear implants from damage and loss. Cochlear implants are covered for $750 as unspecified items. You can increase the cover for your
-
Is my wheel-chair covered?
Yes, wheel chairs are covered up to $750 as an unspecified item. You can increase the cover for your wheel chair up to a maximum of $5000 by paying an additional premium. Note: Mobility scooters are
-
Are musical instruments covered?
Yes, provided you take reasonable measures to protect your musical instrument from damage and theft. Musical instruments are covered for $750 as unspecified items. You can increase the cover for your
-
Is Bicycling covered?
Yes, Bicycling, recreational mountain biking and bicycle tours with a licensed tour operator (but not racing, motocross, BMX, cross country or downhill mountain biking) is covered. You will need to
-
We have a DUO policy - if we both get our luggage stolen, is that one claim or two claims?
If your luggage is stolen in the same incident (at the same time) during your trip: The theft would be considered one event, in which case you would only pay one excess. You can each submit separate
-
Are the luggage benefits for a Family policy pooled?
Yes, the maximum your family can claim for lost, stolen or damaged luggage and personal effects is $30 000 in total for Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies, $15 000
-
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
-
Can I cancel my policy after the 25 Day Cooling Off Period has expired?
We are flexible when it comes to you changing or cancelling your policy. However, you cannot change or cancel your policy if: you have, or intend to make a claim. you have started the trip, even
-
What is 'Loss of income' cover?
This benefit is a weekly payment up to $400 per week that you receive for up to 26 weeks after you return from your overseas trip, if you are unable to return to your usual occupation in Australia,
-
What is Specified High Value Item Cover?
If you will be taking a valuable item with you on your trip, and the amount that the item is automatically covered for is not enough, you can pay an additional premium to increase the cover for the
-
I have a 2 year policy, do my benefits from the first year carry over to the second year if I don't use it?
Benefits that you don't use in the first year of your policy will not carry over, however, as our policies work on a 12-monthly basis, your benefits will 'reset', and will be reinstated to their
-
I've lost my luggage, what do I do now?
Where a claim is for the loss or theft of, or damage to, luggage and personal effects, you must: where it is reasonably possible, report the loss or theft as soon as practicable, but preferably
-
What do I do if my claim is for an emergency?
For emergency assistance anywhere in the world at any time, contact the Emergency Assistance team - the phone numbers are at the bottom of your Policy Certificate or available on our website. The
-
Am I covered to ride a motorcycle on public unsealed roads?
Certain cover is available for motorcycle riding on sealed or unsealed public roads but you will need to take out the Motorcycle Pack. Riding a moped or scooter: Certain cover is available under our
-
Am I covered if I injure myself riding a motorcycle?
Certain cover is available under the Benefits of our policies for Motorcycle riding but you will need to take out the Motorcycle Pack and pay the additional premium. Riding a moped or scooter: Cover
-
Can I ride a motorcycle overseas with a licence issued by Motorcycling Australia?
Cover is not available if you ride a motorcycle and you only have a licence issued by Motorcycling Australia. If you are requiring cover for riding or being a passenger on a motorcycle overseas, you
-
Am I covered for an item I bought off Facebook marketplace?
Cover is available for any items which you personally own and take with you on your trip, even if you bought the item on Facebook Marketplace. As with all claims for lost or stolen items, you must
-
If I temporarily return home during the period of my policy, what am I covered for?
If you have the Comprehensive, Standard Saver, Frequent Traveller Saver and Snow Sports Plus policy and your return home is not due to something that you can claim for under your policy: You have prov
-
Do I need to declare my Pre-Existing Medical Conditions?
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
-
What am I covered for if a family member is hospitalised before or during my holiday?
Cover would be dependent on your family member's situation: 1) You may have cover up to the benefit limit for trip disruption and trip resumption if your close relative dies unexpectedly, provided
-
Am I covered for cancellation if a relative is hospitalised?
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
-
Can I see a doctor, physiotherapist or chiropractor while I'm on my overseas trip?
Our policies providecover if you unexpectedly get sick or are injured overseas. If your claim is covered, you can claim for reimbursement of expenses you incur, including medical practitioner
-
What sports and activities are automatically covered in my policy?
Subject to the terms and conditions of your policy, you have cover for a number of sports and leisure activities as listed below. If you are taking a trip that involves more adventurous activities we
-
Is my pre-existing medical condition covered?
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
-
I'm doing backcountry skiing with a professional guide, but not a professional snow sports instructor, am I covered?
No cover is available under our policy if you will be doing backcountry skiing with a professional guide only. To have cover for backcountry skiing, you must be with a professional snow sports
-
My friend is a professional snow sports instructor, but not employed at the ski resort that I am skiing at, am I covered to do off-piste skiing with him?
Our PDs provides that you must do the activities listed below, with a paid local professional snow sports instructor. This is because we require that they (must) have been trained in all aspects of