Search results for Personal Liability Insurance
531 articles found
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What is 'Bicycle' cover?
You only have this cover if you purchased the Bicycle Pack under under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. Cover under this
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Am I covered if I drive a friend's car when I'm overseas?
You have medical cover if you are injured in an accident if you drive your friend's car while overseas Note: There is no cover for the car itself, as the Rental Vehicle Insurance Excess cover only app
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What happens if the damage to my rental car is less than the rental car excess?
If the damage to your rental vehicle is less than the rental vehicle excess you are liable for, we may cover the cost of the repairs to the rental vehicle instead of the rental vehicle insurance
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What is the Worldwide region?
For Fast Cover's travel insurance purposes, the Worldwide region is for travel in North, Central & South America (including Hawaii and the Caribbean), Africa, Middle East, Antarctica, Sub- Antarctic
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Am I a "temporary resident of Australia" if I'm from a country where we have a reciprocal health care agreement with Australia?
For the purposes of our policies, you would be considered a "Temporary resident of Australia" if: Hold a valid Medicare card or are covered by an Australian Private Health Insurance policy that
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Am I covered if I am refereeing touch football?
You are NOT automatically covered. To obtain cover for refereeing competitive touch football or any type of contact sport, you will need to buy the Adventure Pack Add-on. Cover is subject to the
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I'm only going on a cruise around Australia, do I still need a Cruise policy?
Yes, even though your cruise may never leave Australian Waters, most cruise ships are staffed with non-Medicare registered doctors, who charge overseas (mainly US Dollars) prices. As you can imagine,
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We have a Family policy. Are my children covered if they travel to another city without me?
Dependants on Family or Single policies MUST be with with at least one of the adults listed on the certificate of insurance for 100% of the person travelling’s itinerary If dependants travel to
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Am I covered if there's a natural disaster, like a hurricane or volcanic eruption?
Yes, cover is provided for a natural disaster. The level of cover for natural disasters depends on the type of policy you have chosen for your holiday and the event must have begun after you purchase
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I want to drive a car on my holiday, can I be covered?
Yes, you are covered if you get injured in an accident while driving a car provided you have a current Australian drivers licence and licence valid for the country you are driving in. The car itself i
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What happens after I buy my policy?
After your payment has been processed, your policy documents will be emailed (or posted upon request) to you. Your details will be registered in the emergency assistance team's traveller database so t
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Can I cancel my policy and get a full refund within 24 hours?
You have a full 25 days from the purchase date of the policy (as set out in the Certificate of Insurance) to make sure you are happy with every aspect of your Fast Cover Travel Insurance policy and
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What happens if Fast Cover updates or changes the PDS?
From time to time and where permitted by law, we may change parts of the policy. If we do so, any updates which are not materially adverse to you from the point of view of a reasonable person deciding
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Do I have to insure my child?
If your child aged 20 or younger will be travelling with you, you will need to add your child to your travel insurance policy for them to have cover. Your child must travel with at least one of the
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We have a Family policy. Are my children covered if they are in the Kid's Club and not with me?
Dependants on Family or Single policies MUST be travelling with at least one of the adults listed on the certificate of insurance for 100% of the person travelling’s itinerary. Cover is available for
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What happens if I'm stuck overseas and can’t return to Australia because I'm required to quarantine overseas?
You have cover up to $5,000 for your reasonable additional accommodation and travel expenses if during your trip: you are diagnosed by a medical practitioner as COVID-19 positive following a
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What is the Asia region?
For Fast Cover's travel insurance purposes: For policies purchased from 20/05/2023: Asia (including Bali, Indonesia, Japan, excluding Russian Federation and the Middle East). Includes cover for the
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Do your policies cover for dental?
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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Does my policy cover cruising?
Sea or ocean cruise For cover under our policy for cruising on the sea or ocean, you must answer 'Yes' when asked if you are going on a Cruise, even if your cruise is only a part of your whole
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Can I buy a policy if I have a Bridging Visa?
If you have a Bridging visa, cover is available, however, only if: You are a non-permanent resident who holds a valid Medicare card or are covered by an Australian Private Health Insurance policy tha
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What do I do if there's a terrorist attack?
You should take appropriate action to avoid or minimise any danger to yourself and contact the police or relevant authorities for assistance. You should also contact the Emergency Assistance team as
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If I come back earlier than expected, can I get a partial refund?
No, sorry. If you voluntarily choose to cancel your trip and return home early, we can’t provide a refund for the remaining time left on your policy. If you’re not sure how long you want to stay
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Do I have to pay anything if I make a claim?
You may need to pay an excess if you have to make a claim. This means that any payable excess will need to be deducted from your total claim amount when you make a claim, therefore reducing the
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What pre-existing medical conditions are covered?
By way of basic overview, we do not cover any claims under the policy benefits arising from any medical condition or pregnancy condition that existed during: the period of 3 years prior to your
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What is the excess on claims?
Excess is the initial amount that you would have to pay if you were to make a claim. The excess on claims depends on the Standard Excess level you chose at the time that you purchased your policy.
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Are there any countries which you don't cover?
We offer travel insurance for many countries but we are unable to offer travel insurance for travel to every country. To check which countries that may be covered, enter your destination country in
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Does the Worldwide region cover all nations?
We offer travel insurance for many countries but we are unable to offer travel insurance for travel to every country. To check which countries that may be covered, enter your destination country in
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Why don’t you offer cover for the country I am travelling to?
We offer travel insurance for many countries but we are unable to offer travel insurance for travel to every country. To check which countries that may be covered, enter your destination country in
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Can I pay more to get 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
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I have a heart condition but have full medical cover through my work. Can I still buy a policy for the cancellation cover and other benefits?
All of our international policies currently provide unlimited overseas emergency medical and hospital expenses and it is not possible to purchasecancellation cover separately. The Insurance Council
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How is my premium calculated?
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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Do I need to do a medical screening?
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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Does my cover start when I board my plane, or on 12 am of the actual day of my policy?
The certificate of insurance sets out the period of cover. If you have a Comprehensive, Standard Saver, Domestic Plus, Snow Sports Plus policy: Cover for Trip Cancellation Expenses begins from the
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Can I make a claim because my trip was cancelled or rescheduled due to COVID-19?
Travel providers have been much more flexible and helpful during the pandemic if travellers are unable to travel, especially due to COVID-19. If you need to cancel or reschedule you trip, you should
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Is repatriation as a direct result of terrorism included in the cover?
If you are travelling and you are injured in an overseas terrorist attack, you still have cover for repatriation, provided you are not in a country or region that has a 'Do not travel' rating issued
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Do I have a 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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What do I do if I need more information about my cover?
To confirm any policy transaction (if the Certificate of Insurance does not have all the information you require), call us on 1300 409 322.
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Are leased cars covered under the Rental Vehicle Excess?
No, Leased cars would NOT be covered under the Rental Vehicle Insurance Excess cover. For more information, refer to our Product Disclosure Statement (PDS).
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Can I change the name on my policy?
No, travel insurance policies are non-transferable. Please contact us for assistance: Email info@fastcover.com.au Phone 1300 409 322 For more information, refer to our Product Disclosure Statement
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If I no longer wish to travel, can I transfer my policy?
No, travel insurance policies are non-transferable. Please contact us for assistance: Email info@fastcover.com.au Phone 1300 409 322 For more information, refer to our Product Disclosure Statement
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Where do I send my claim form and/or paperwork?
For information on where to send your claim form, please go to our Claims page. Read more about making claims: 5 steps to make a travel insurance claim
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What does 'You' and 'Your' mean in the PDS?
'You' and 'Your' means the person(s) whose name(s) are set out on the Certificate of Insurance, and if you have a Single or Family cover type, your dependants.
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Is a camera and its lenses treated as separate items?
No, all of your camera equipment is treated as one item. If you have the Comprehensive, Standard Saver, Snow Sports Plus, Domestic and Frequent Traveller Saver policy: Your camera equipment has a
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Can the witness who signs my Claim form be a family member?
Yes, the witness can be anyone over the age of 18. For more information, refer to our Product Disclosure Statement (PDS). Read more about making claims: 5 steps to make a travel insurance claim
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I'm already overseas, can I buy a policy with cover for COVID-19?
You must purchase your travel insurance policy BEFORE you depart for your trip. There is no cover for any claims if you purchase your policy if you have already departed or are already overseas.
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Am I covered if I am kidnapped while on my trip?
We do not provide cover for kidnapping. To find another insurer who does, please contact the Insurance Council at www.findaninsurer.com.au or on 1300 728 228. For more information, refer to our Produ
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What does 'We', 'Our' and 'Us' mean in the PDS?
'We'. 'Our' and 'Us' means Fast Cover Pty ltd for all policies issued from 15 Aug 2022. 'We'. 'Our' and 'Us' means The Hollard Insurance Company Pty Ltd for policies issued prior to 15 Aug 2022.
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What is the meaning of 'Motorcycle' in the PDS?
'Motorcycle' means any two-wheeled or three-wheeled motor vehicle with an engine capacity greater than 50cc. For more information, refer to our Product Disclosure Statement (PDS). Read more about ridi
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What is the meaning of 'Policy' in the PDS?
'Policy' means this document, the Certificate of Insurance and any other change to the terms of the policy otherwise advised by us in writing (such as endorsement). For more information, refer to our
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What pre-existing medical conditions don't you cover?
We are able toprovide cover for many medical conditions, however we are not able to provide cover for all medical conditions. Whether we can cover your existing medical conditions will depend on a