Search results for Personal Liability Insurance
531 articles found
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What is the Europe region?
For Fast Cover's travel insurance purposes, the Europe region is for travel in the Europe (including Russian Federation and the United Kingdom), Asia, South Pacific and New Zealand regions and
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Are campervans or motorhomes covered under Rental Vehicle Excess?
Yes, campervans and motorhomes are covered under the Rental Vehicle Excess benefit as long as it does not exceed 4.5 tonnes and is rented from a licensed motor vehicle rental company. Note: You only h
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Can I claim if I lose an item that isn't mine?
Our Luggage and Personal Effects benefit can only cover you for the loss, damage or theft of your own personal items. There is no cover for any items that you take with you on your trip, which are
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My hired SUV has no locked storage compartment, am I covered if my luggage or belongings are stolen?
If you are not able to get an SUV with an enclosed boot space or locked storage compartment, and hence the cargo area is exposed, you need to take reasonable measures to ensure that your luggage and
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Can we book as a group?
Yes you can - fact it can be cheaper to book together and can be faster and simpler! Group policy options: Family policy where the parents or grandparents are travelling with up to 10 children or gran
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My tour operator cancelled my tour and refunded the tour cost, can I claim for the flight cancellation?
You may have provision to claim for the cancellation expenses of your flight, depending on the reason for the tour cancellation. There is no provision to claim if your tour has been cancelled because
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My 17 yo is not in full time employment, but may be by the time we travel. Can I list him as a dependant if I buy a policy now?
You can list your 17 yo child as a dependant on your policy if he is currently not in full time employment, and you purchase the policy prior to him taking up full time employment. Dependants must
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Can I cancel my policy if I haven't used it and haven't travelled?
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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My child turns 21 when we are travelling, can they still be covered?
As long as your child is your dependant, was 20 years of age at the time you buy your family cover, not in full time employment and will be travelling with you for 100% of your family trip, they can
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Am I covered if I'm working on a medical ship travelling to the PNG?
Yes, you would be eligible for a travel insurance policy with us, provided you satisfy the conditions to take out a policy with us as set out in the Product Disclosure Statement (PDS), and you
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Can I claim for something and also change the dates for my trip?
No, you CANNOT do both. Under your policy, if you make a claim, you CANNOT change the period of cover (your travel dates). If you need a longer period of cover, you can apply for an extension of the
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What Is the meaning of 'Medical Practitioner' in the PDS?
'Medical Practitioner' means a qualified doctor of medicine or dentist (other than you or another person listed as covered in the certificate of insurance, your travelling companion or a close
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What are the operating hours of the Claims Department?
The Claims hotline is open from 9am to 5pm Sydney time Monday to Friday. The Claims team can be contacted on 1300 409 322 or dial +61 2 8215 7239 if you are still overseas. The Claims team do their be
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If I'm travelling with my sister and her child - can we buy a family policy?
No, family policies can only cover: 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 Au
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Are Motorcycles covered by the Rental Vehicle Excess benefit?
No, Motorcycles are not covered under this benefit. Our policies do not provide cover for any motorcycle that you ride. If you require cover for your motorcycle, you should check with the company
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Can I cancel the second year of the policy as I've decided to return home early?
No, once you have used the policy, you would not be able to cancel the policy. We don't offer partial refunds for the unused portion of the policy. You can't cancel your policy if you have exercised
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Can all travellers under 21 be covered on Family or Single policies?
Travellers who are dependants aged 20 and younger who are not in full-time employment have cover if they are listed on their parent’s or grandparent’s Family or Single policy. Dependants must travel
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If I have to cancel my trip, how much can I claim in travel agent cancellation fees?
You will be able to claim a maximum of $1500 in travel agent cancellation fees if you have already paid all your money for the trip, or where you have paid the maximum amount of the deposit at the
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I'm 75 now, but will be 76 when I travel, can I still buy a Frequent Traveller Saver policy?
Yes, if you purchase your travel insurance policy BEFORE you turn 76, your Frequent Traveller Saver policy will still be valid for the duration of your policy, even though you will be 76 during your
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Are bikes covered when damaged in transit?
You only have cover for your bike if you buy the Bike Pack. If your bike is damaged while being transported by aircraft and you have securely packed it in a bike case or other container designed for
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If I am delayed due to an overbooked flight, can I claim on accommodation expenses?
There may be provision to claim under the Travel Delay Expenses Benefit. In the first instance, you must first seek compensation from the airline for the delay. When you submit your claim, you must
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What happens if I can claim from someone else?
If you can claim from anyone else, we will only make up the difference (less applicable excess). If you can make a claim against someone in relation to a loss or expense covered under the policy and
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What happens if I don't comply with my duty to take reasonable care not to make a misrepresentation?
As we use your answers to decide what insurance we will offer, to calculate your premium, and to assess any claim you make, it is essential that you contact us if you have any doubts. If you do not
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What is the meaning of a Dependant?
For the purposes of our policies, means your children or grandchildren not in full time employment who are under the age of 21 and travelling with at least one of the adults listed on the certificate
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What is the Domestic region?
For Fast Cover's travel insurance purposes, the Domestic Plus policy provides cover for travel around Australia (including Thursday Island, Lord Howe Island, Norfolk Island, Christmas Island and
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Do receipts, medical or police reports have to be translated into English for my claim?
When you initially submit your claim, you should attach your untranslated documentation for the Claims team to review. Translation fees are not covered by your travel insurance policy. If the
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How much am I covered for Rental Vehicle Excess?
Benefit Limits for Rental Vehicle Excess: Comprehensive: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee Standard Saver: Option of Rental Vehicle Excess cover up to $5000 or
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My phone has been stolen, what do I do?
You must, where it is reasonably possible, report the theft within 24-hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss
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If my trip is disrupted and I have to return home, how much can I claim?
If your trip is unexpectedly disrupted and it is for a reason that is covered under our policies, you can claim a maximum of $50 000 if you have taken out the Comprehensive, Snow Sports Plus,
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Can I get SMS updates on the status of my claim?
No, at this stage we are not able to send SMS updates on the status of your claim. If you have a policy beginning with FCH: You can find out your claim's progress by sending an email to
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Am I covered if I'm injured and need to be evacuated while hiking in Australia?
If you are hiking in Australia and you are sick or injured, you should call 000 for assistance as you would normally do if you were at home. You can also seek assistance from the relevant authorities
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If I am overseas and I claim for cancellation expenses for a trip which is within my travel dates, does my policy end?
If you are already travelling: If your trip is unexpectedly disrupted and it is for reasons that you can claim for, you can submit a claim for trip disruption expenses and your policy will not end.
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What is considered a dependant?
A dependant is your own child or grandchild that you are the legal guardian of who is aged 20 and younger, and who is not in full time employment. Dependants may be going to school, Tafe or
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What is the Bicycle Pack?
The Bicycle Pack can provide cover for your own bicycles for up to $5000 each and up to a maximum of $15 000 in total for all bicycles. Note: An additional premium is payable to add the Bicycle Pack
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How can I enter my voucher code?
If you find a Fast Cover coupon, promo or voucher code on a website, copy the coupon code, click on the link that is on the website and it will take you through to our website. Where do I enter the co
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Do I have to wait until I am back in Australia to submit a claim?
You can make a claim while you are still overseas or when you return home. Our claims consultants are able to email claim forms to you, however you will still be required to provide original
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Is there cover if I contract COVID-19?
Yes. There is cover for: The reimbursement of the reasonable overseas emergency medical, hospital or medical evacuation expenses if you experience a medical emergency due to contracting COVID-19.
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Am I covered if I have to delay or cancel my trip as I am waiting for COVID-19 test results?
No. There is no cover for trip delay, trip disruption or trip cancellation due to you having to wait for COVID-19 test results. However, there may be some cover if you are diagnosed by a medical
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What is a Product Disclosure Statement or PDS?
A Product Disclosure Statement (PDS) is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy and to compare it with
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If I need to travel home for a family illness, which family members are covered?
The family members or close relatives who would be covered in this situation would be your or your travelling companion’s spouse, de facto partner, parent, parent-in-law, children(including adopted
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I'm travelling for work, but if wet weather means I can't work, am I covered for my trip cancellation costs?
Travel insurance provides you with cover for the expenses that you have made, to enable you to go on your trip. For example: flights and accommodation costs. If unexpected severe weather results in
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Are prescription medicines prescribed by a doctor overseas covered?
Cover is provided under our policies for prescription medication prescribed for new medical conditions developed during your overseas trip. There is no cover for the follow up of medical treatment
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What is the South Pacific region?
For Fast Cover's travel insurance purposes, the South Pacific region is for travel in the South Pacific and New Zealand regions and Australia (Domestic). It includes travel to American Samoa, Ashmore
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What age do I enter when getting a quote or buying a policy?
Enter the age that you will be at the time that you BUY your policy, even if you will be older when you are actually travelling. Note: We are not able to offer travel insurance to travellers aged 90
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Am I covered if I'm worried about COVID-19 and I want to cancel my trip?
Claims arising from epidemics and pandemics are excluded, except those expenses that are specifically included under our COVID-19 benefits including Overseas Emergency medical, hospital and medical
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Why don't I have any medical cover if I'm travelling in Australia?
There is no medical cover whilst you are travelling in Australia as medical expenses are covered by Medicare and/or your private health insurance. In the event of a medical emergency while you are
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We're travelling as a group, how do we get a quote together?
Group policy options: You can take out a Family policy where the parents or grandparents are travelling with up to 10 children or grandchildren who are under the age of 21 and not in full-time employm
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Is your claims process good?
Our experienced Claims team are thorough and efficient when dealing with all claims and endeavour to assess claims within 10 business days of receiving your fully completed submitted claims. The
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Can I buy a Frequent Traveller Saver policy for any Geographical region?
For the Frequent Traveller Saver policy, You must nominate one of the following Geographical Regions for your journey: Asia, Europe or Worldwide. Note: Cover for any loss you suffer must occur in
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Can kids be covered under my policy?
Kids can be covered under a Family or Single policy if they are your own children or grandchildren (including children or grandchildren for whom you are the legal guardian) provided they are aged 20