Search results for Personal Liability Insurance
531 articles found
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Am I covered if I am on a cruise and go swimming with dolphins?
You are NOT automatically covered. Swimming with dolphins falls under the category of Animal conservation and handling. To obtain cover for swimming with dolphins, you will need to buy the Adventure
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Is Boxing covered?
You are NOT automatically covered. To obtain cover for Boxing you will need to buy the Adventure Pack Add-on. Cover is only available if you are doing basic training, not sparring and not competing.
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Am I covered if I go camping and my belongings are stolen from my tent after I have been out for the day?
There will be no cover if your belongings are stolen from your tent, as it would be considered that you have left your luggage and personal effects unsupervised in a public place. You must take all
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I am hiking above 3000m, do I need to have a guide?
You do not need to have a guide even if you are hiking above 3000m. However, to be covered for hiking above 3000m and up to a maximum of 6000m, you will need to add the Adventure Pack to your policy
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I am doing volunteer work and will be handling tiger cubs, is this covered?
You are NOT automatically covered. Handling tiger cubs falls under the category of Animal conservation and handling. To obtain cover for handling tiger cubs, you will need to buy the Adventure Pack
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Does Rental Vehicle Excess Cover apply to valuables?
Rental Vehicle Excess cover only covers the EXCESS component of your car rental insurance. However, our overseas Comprehensive, Standard Saver, Snow Sports Plus and Frequent Traveller Saver policies
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Am I covered if I go overseas to do training in basketball, or any other sport?
To have cover under the Benefits for playing or training in amateur basketball, you must take out the Adventure Pack. To confirm if cover is available for training in another type of sport, you
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Am I covered for a new medical condition if I develop it after I buy travel insurance?
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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Is Outdoor rock climbing covered?
To obtain cover for Outdoor rock climbing you will need to: Buy the Adventure Pack Add-on, Use ropes and appropriate safety gear, and Participate in the activity with a licensed commercial operator
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I am going on a domestic cruise along the Australian coastline. What am I covered for?
If you will be going on a domestic cruise along the Australian coastline, including a Kimberley Expedition cruise, you can be covered for: Cancellations for unexpected and unforeseen cancellations.
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Am I covered for Quad Bike riding?
You are NOT automatically covered. To be covered for Quad Bike riding, you will need to buy the Adventure Pack. Note: You must NOT be competing or playing professionally. You also must be a single
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I'm fishing more than 2 nautical miles from land, do I need the Adventure pack?
If you will be fishing more than 2 nautical miles off a land mass, this is considered Deep Sea Fishing. To have cover to do deep sea fishing up to 15 nm off a land mass, you must take out the
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Is Shooting covered?
Fixed targets: Cover is provided for shooting at fixed targets at a licensed commercially operated shooting range, Moving targets: Certain cover is available for shooting moving targets such as clay
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Do I still need to buy Rental Vehicle insurance if I am covered by your Rental Vehicle Excess cover?
Yes, Rental Vehicle Excess cover does NOT take the place of car rental insurance. You still need to buy car rental insurance. The Rental Vehicle Excess cover ONLY covers the 'Excess' component of
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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
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Am I covered for medical expenses overseas if during my period of insurance I contract Foot and Mouth Disease?
if you contract Foot and Mouth Disease, and as a result require medical attention whilst still overseas cover is available as per the terms and conditions of your policy. Cover is subject to the
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Is Deep sea fishing covered?
Cover is available for Deep sea fishing with a licensed commercial operator up to 15 nautical miles off any land mass but you must choose the Adventure Pack option, comply with the conditions of the
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Will depreciation be applied to my lost or damaged items?
Depreciation will be applied to claims for luggage and personal effects at such rates as reasonably determined by us. Subject to the item sub limits set out on the Benefit Summary of the Product
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How is Depreciation on items applied?
Depreciation is applied based on the age and wear and tear of the item. Subject to the item sub limits set out on the Benefit Summary of the Product Disclosure Statement (PDS), the most we will pay
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I'm already covered with another travel insurance company for my destination. Can I buy a policy for another travel destination?
If you are still in Australia: You can buy a policy for the other travel destination, and it does not need to be an Already Overseas policy. The start date of your policy with us must follow directly
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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
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Is my luggage covered if I check it in and it is transported in the cargo hold of the airline?
Loss of jewellery, travel documents, cash and computer equipment in checked-in luggage is not covered by your policy, There is no cover for the loss, theft, or damage of jewellery, mobile phone,
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If my iPhone was a gift, is it still covered if it is lost or stolen?
Yes, the iPhone would still 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
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Can I add cover for my bike?
You will need to buy the Bicycle Pack Add-on to add cover for your bike. Your bicycle can only be covered if, at the time the Certificate of Insurance is issued, the bike is: less than three (3)
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Can I buy travel insurance for only the first part of my trip as I am already covered for the second part?
Yes, provided you intend to return to Australia. The return date on your policy should be the date that your other policy starts. Note: You are not eligible for a policy if you are relocating
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What is an unspecified item?
Unspecified items are your belongings which you bring with you on your trip, for which you have not paid an additional premium to increase the cover for them. They are not specifically listed on your
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I am going on a Kimberley Expedition cruise, what am I covered for?
If you will be going on a Kimberley cruise, you can be covered for: Cancellations for unexpected and unforeseen cancellations. Transfer to medical transport. If you require medical evacuation, there
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Can I buy extra cover for my valuable items?
Yes, extra cover for your valuable luggage and personal effects can be purchased for an additional premium and are referred to as Specified High Value items. You can increase the value up to $5,000
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Am I covered if my medication changed after I purchased my policy and before I travel, for a medical condition listed as covered on my certificate of insurance?
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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What are the things I should be aware of if I am thinking of buying a policy from Fast Cover?
Before you buy a policy with us Travel insurance is there to protect you against unexpected circumstances like medical emergencies, trip cancellation and lost baggage. Each travel insurance policy is
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What is the Adventure Pack?
The Adventure Pack provides certain cover for additional sports and leisure activities as listed below, which are not on our list of covered sports and activities. An additional premium applies.
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What are the General Exclusions?
To the extent permissible by law, we will not pay under any circumstances if: 1. You do not act in a responsible way to protect yourself and your property. 2. You do not do everything you can
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Who are Hollard?
Hollard are part of the Hollard Insurance Group, one of the world's leading insurance companies, protecting customers with more than 7 million policies throughout Australia, the United States,
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What is Rental Vehicle Excess Cover?
The Rental Vehicle Excess cover on your policy pays the excess charged by your Rental Vehicle company should you have an accident and need to claim. Note: You only have this cover if you chose the
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How long am I covered for?
The period you are insured for is set out in the Certificate of Insurance and varies depending on the length of your trip and the policy type that you have purchased. If you have purchased your policy
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I have a 12 month policy, can I extend straight away for another year?
The earliest date that you can extend your policy is up to one month before your policy starts, which is the departure date as specified on your Certificate of Insurance. Unless approved by us, cover
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How do I find out about my policy and its terms and conditions?
To properly understand the policy's significant features, benefits and risks you need to carefully read the Product Disclosure Statement (PDS) for more detail: 'Before you buy this policy there are
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Can I return home within my policy dates and then go overseas again?
For NEW policies and policy numbers starting with FCH: Yes you can, your policy will be suspended when you return home, and reinstated when you return overseas, provided you have at least 14 days
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Can I claim if I'm confined to my cabin due to an infectious virus on board my cruise?
There is no cover under our policies for Cabin Confinement. For more information, refer to our Product Disclosure Statement (PDS). Read more about cruising holidays: Cruise health and safety guide
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When can't I extend my policy?
Unless approved by us, cover will not be extended: For any new medical condition you suffered during the term of your existing policy or change to any medical condition which is listed on your
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Am I covered if I take a cruise on a Cargo ship?
No, you are not covered for travel or cruising on a Cargo ship. For more information, refer to our Product Disclosure Statement (PDS). Read more about cruising holidays: Cruise health and safety
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Am I covered if my trip is affected by a natural disaster?
Your policy provides cover towards the cost of travel arrangements if your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of an unexpected natural disaster.
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Does the Frequent Traveller Saver policy include cover for cruising?
Cover for cruising is included with our Frequent Traveller Saver policies. Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS). Read more
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Why does my Frequent Traveller Saver policy mention 'cruise' when I didn't select that option?
Cruising is included in Frequent Traveller Saver policies within the region specified on your policy. Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure
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Are Cruises covered under the Frequent Traveller Saver policies?
Cover is included for cruising on the sea or ocean if you have a Frequent Traveller Saver policy. Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure
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I'm going to the USA & taking two separate 3 day cruises during my trip, do I need a cruise policy?
You only need a cruise policy if any of the cruises will be for 4 nights or more. Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).
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What is your duty to take reasonable care not to make a misrepresentation?
You have a legal duty to take reasonable care not to make a misrepresentation whenever you apply to vary, extend or reinstate your insurance. Before you enter into this contract of insurance, you
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Who are the Underwriters of Fast Cover?
Fast Cover travel insurance policies issued from 15 Aug 2022 are arranged, administered and varied in accordance with the binder issued to Fast Cover by the underwriters and are underwritten by
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Can I buy cover for cruising to the Albrohos Islands?
Yes, you may be eligible for cover for an Alborhos Islands cruise. To buy a cruise travel insurance policy for Albrohos Islands, you should select "Yes" to 'Cruise'. To find out more about our cruise
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Can I buy cover for cruising to Rowley Shoals?
Yes you may be eligible for cover for a Rowley Shoals cruise. To buy a cruise travel insurance policy for Rowley Shoals, you should select "Yes" to 'Cruise'. Note: To find out more about our cruise