What does travel insurance for quad biking cover?
At Fast Cover, our travel insurance that can include cover for quad biking, is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your holiday. If you’ve added the Adventure Pack, claims arising from your amateur participation in quad biking may be covered under the benefits of your policy, except Permanent Disability, Loss of Income and Personal Liability.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen while quad biking on your overseas trip. Fast Cover’s Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*
An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while quad biking on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.* Read more about overseas emergency medical and hospital expenses.
If you’re seriously injured on a remote trail, getting to emergency care can make a big difference. Fast Cover’s international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled adventures aren’t just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you’ve already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
If your trip is interrupted in circumstances covered under your policy, Fast Cover’s Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you’re still on your trip. This benefit isn’t available with the Basics policy.*
Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It’s available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
What does travel insurance for quad biking cover?
At Fast Cover, our travel insurance that can include cover for quad biking, is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your holiday. If you’ve added the Adventure Pack, claims arising from your amateur participation in quad biking may be covered under the benefits of your policy, except Permanent Disability, Loss of Income and Personal Liability.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen while quad biking on your overseas trip. Fast Cover’s Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*
An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while quad biking on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.* Read more about overseas emergency medical and hospital expenses.
If you’re seriously injured on a remote trail, getting to emergency care can make a big difference. Fast Cover’s international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled adventures aren’t just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you’ve already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
If your trip is interrupted in circumstances covered under your policy, Fast Cover’s Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you’re still on your trip. This benefit isn’t available with the Basics policy.*
Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It’s available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
Optional extras for your quad biking holiday
No two holidays are the same, and your cover shouldn’t be either. Quad biking might only be part of your trip, so whether you plan to tick off more of your adventure bucket list or explore on two wheels, Fast Cover’s optional add-ons allow you to customise your travel insurance policy to fit you and other parts of your trip.
Got a big adventure planned? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Remember, quad biking and riding recreational all-terrain vehicles is an adventure activity. This means you’ll need to add on the Adventure Pack to include cover for this activity.
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Tandem parachuting and tandem skydiving
Sailing from 10 nm up to 15 nm from a land mass
Scuba diving between 10m and 30m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack, so read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*
For more details, visit our page on adventure travel insurance.
Exploring your destination on two wheels can be a great way to get between quad bike tours and other adventures. Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a:
Motorcycle
Moped
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an International travel insurance policy.* Quad bikes aren’t covered under the Motorcycle Pack; they need the Adventure Pack.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
Optional extras for your quad biking holiday
No two holidays are the same, and your cover shouldn’t be either. Quad biking might only be part of your trip, so whether you plan to tick off more of your adventure bucket list or explore on two wheels, Fast Cover’s optional add-ons allow you to customise your travel insurance policy to fit you and other parts of your trip.
Got a big adventure planned? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Remember, quad biking and riding recreational all-terrain vehicles is an adventure activity. This means you’ll need to add on the Adventure Pack to include cover for this activity.
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Tandem parachuting and tandem skydiving
Sailing from 10 nm up to 15 nm from a land mass
Scuba diving between 10m and 30m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack, so read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*
For more details, visit our page on adventure travel insurance.
Exploring your destination on two wheels can be a great way to get between quad bike tours and other adventures. Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a:
Motorcycle
Moped
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an International travel insurance policy.* Quad bikes aren’t covered under the Motorcycle Pack; they need the Adventure Pack.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.
Select who needs cover
Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.
Select who needs cover
Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Insurance cover options for your quad biking holiday
At Fast Cover, we have a range of coverage options available for your quad biking holiday. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Insurance cover options for your quad biking holiday
At Fast Cover, we have a range of coverage options available for your quad biking holiday. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
Standard Saver
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Domestic Plus
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
Snow Sports Plus
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Who can get travel insurance for quad biking?
Whether you’re travelling solo, with your partner or with friends, every adventure and traveller is unique. Fast Cover’s travel insurance that can include cover for quad biking, with the Adventure Pack, is available to Aussie travellers aged 74 and under at the date of policy issue,* including:
Adventurers ticking off their bucket list
Aussie backpackers exploring off the beaten track
Students travelling on their mid-semester break
Solo travellers discovering new sights abroad
Couples sharing a quad bike tour on holiday
Domestic travellers heading off on an outback adventure in Australia
Who can get travel insurance for quad biking?
Whether you’re travelling solo, with your partner or with friends, every adventure and traveller is unique. Fast Cover’s travel insurance that can include cover for quad biking, with the Adventure Pack, is available to Aussie travellers aged 74 and under at the date of policy issue,* including:
Adventurers ticking off their bucket list
Aussie backpackers exploring off the beaten track
Students travelling on their mid-semester break
Solo travellers discovering new sights abroad
Couples sharing a quad bike tour on holiday
Domestic travellers heading off on an outback adventure in Australia
Do I need travel insurance for quad biking?
Whether you’re riding a quad bike on the sand dunes of Dubai, through the rice fields of Bali or along forest trails on a guided tour, unexpected situations and factors outside your control could change your travel plans and leave you with out-of-pocket expenses.
Here are some situations which you might consider when deciding if you need travel insurance for quad biking for your next trip and whether your policy can provide cover for these situations:
Even with a good quad bike safety briefing, accidents can happen, and medical treatment overseas can be expensive. Consider if your travel insurance for quad biking can provide cover for overseas emergency medical and hospital expenses if you’re injured while riding.
Quad bike and ATV tours with a licensed tour operator often run on remote, off-road or unfamiliar terrain. Consider if your policy can provide cover for emergency medical evacuation or repatriation if you’re seriously injured far from a hospital.
Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with non-refundable tours, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses.
Severe weather or transport cancellations could disrupt your plans while you’re away. Consider if your policy can provide cover for trip disruption expenses.
Do I need travel insurance for quad biking?
Whether you’re riding a quad bike on the sand dunes of Dubai, through the rice fields of Bali or along forest trails on a guided tour, unexpected situations and factors outside your control could change your travel plans and leave you with out-of-pocket expenses.
Here are some situations which you might consider when deciding if you need travel insurance for quad biking for your next trip and whether your policy can provide cover for these situations:
Even with a good quad bike safety briefing, accidents can happen, and medical treatment overseas can be expensive. Consider if your travel insurance for quad biking can provide cover for overseas emergency medical and hospital expenses if you’re injured while riding.
Quad bike and ATV tours with a licensed tour operator often run on remote, off-road or unfamiliar terrain. Consider if your policy can provide cover for emergency medical evacuation or repatriation if you’re seriously injured far from a hospital.
Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with non-refundable tours, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses.
Severe weather or transport cancellations could disrupt your plans while you’re away. Consider if your policy can provide cover for trip disruption expenses.
What is the best travel insurance for quad biking?
The best travel insurance for quad biking can be considered as a policy that provides cover for the type of trip you’re taking. When comparing travel insurance for a quad bike tour, this might include the other activities you plan to do, who you’re travelling with and other situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best travel insurance for quad biking for your trip:
Are you planning a quad bike tour, or other adventure activities such as scuba diving or jet skiing? You may wish to check whether your policy includes the Adventure Pack and whether your other plans need other optional extras.
Cover for quad biking is limited to a single rider with a maximum of one passenger*, so you may wish to check how your tour is set up before you book.
Will you be riding a scooter between tours? You may wish to check whether your policy provides cover for riding a motorcycle, moped or scooter, and what conditions (such as licensing requirements or helmet use) may apply.
Have you already paid for tours, flights or accommodation? You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you’ve paid.
What is the best travel insurance for quad biking?
The best travel insurance for quad biking can be considered as a policy that provides cover for the type of trip you’re taking. When comparing travel insurance for a quad bike tour, this might include the other activities you plan to do, who you’re travelling with and other situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best travel insurance for quad biking for your trip:
Are you planning a quad bike tour, or other adventure activities such as scuba diving or jet skiing? You may wish to check whether your policy includes the Adventure Pack and whether your other plans need other optional extras.
Cover for quad biking is limited to a single rider with a maximum of one passenger*, so you may wish to check how your tour is set up before you book.
Will you be riding a scooter between tours? You may wish to check whether your policy provides cover for riding a motorcycle, moped or scooter, and what conditions (such as licensing requirements or helmet use) may apply.
Have you already paid for tours, flights or accommodation? You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you’ve paid.
What’s not covered in our travel insurance for quad biking?
It’s important to know not just what your travel insurance for quad biking covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
Quad biking isn’t automatically covered, so there’s no cover for claims arising from quad biking unless you’ve added the Adventure Pack.*
There’s no cover for claims arising from being in control of a quad bike unless you’re under the direct supervision of a properly licensed recreational organisation and obeying all relevant safety codes.*
Riding without protective gloves and a crash helmet suitable for the activity isn’t covered.* Some tour operators supply gloves and a quad bike helmet, so it’s worth checking before you ride.
Cover is limited to a single rider with a maximum of one passenger.*
Cover for quad biking doesn’t extend to jumping, racing or competition, and is limited to amateur participation.*
Personal Liability doesn’t cover claims arising from the use of a quad bike or recreational all-terrain vehicle.*
There’s no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.*
If you make a claim related to quad biking or recreational all-terrain vehicle riding, Personal Liability, Permanent Disability and Loss of Income benefits don’t apply.*
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
What’s not covered in our travel insurance for quad biking?
It’s important to know not just what your travel insurance for quad biking covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
Quad biking isn’t automatically covered, so there’s no cover for claims arising from quad biking unless you’ve added the Adventure Pack.*
There’s no cover for claims arising from being in control of a quad bike unless you’re under the direct supervision of a properly licensed recreational organisation and obeying all relevant safety codes.*
Riding without protective gloves and a crash helmet suitable for the activity isn’t covered.* Some tour operators supply gloves and a quad bike helmet, so it’s worth checking before you ride.
Cover is limited to a single rider with a maximum of one passenger.*
Cover for quad biking doesn’t extend to jumping, racing or competition, and is limited to amateur participation.*
Personal Liability doesn’t cover claims arising from the use of a quad bike or recreational all-terrain vehicle.*
There’s no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.*
If you make a claim related to quad biking or recreational all-terrain vehicle riding, Personal Liability, Permanent Disability and Loss of Income benefits don’t apply.*
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Tips for travel insurance for quad biking
Discover useful travel insurance tips from travel insurance expert, Fast Cover’s CEO Dean Van Es.
"Adventure activity operators often ask you to sign a waiver on the day, and some offer their own cover for an extra fee, with terms you may only have a few minutes to read. Before you travel, check whether your adventure activity is covered. Some activities are included in our standard policies, and others can be covered by adding our Adventure Pack to an eligible Fast Cover policy. Limits, conditions, exclusions apply. For example, you may need to use a licensed operator and follow their instructions. Overseas medical costs can be very expensive, so it’s worth checking before you go."
General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.
Tips for travel insurance for quad biking
Discover useful travel insurance tips from travel insurance expert, Fast Cover’s CEO Dean Van Es.
"Adventure activity operators often ask you to sign a waiver on the day, and some offer their own cover for an extra fee, with terms you may only have a few minutes to read. Before you travel, check whether your adventure activity is covered. Some activities are included in our standard policies, and others can be covered by adding our Adventure Pack to an eligible Fast Cover policy. Limits, conditions, exclusions apply. For example, you may need to use a licensed operator and follow their instructions. Overseas medical costs can be very expensive, so it’s worth checking before you go."
General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.









