Travel Insurance Add On Packs | Fast Cover

Travel Insurance Add On Packs FAQs

  1. What is the meaning of 'Golf Equipment' in the PDS?

    'Golf Equipment' means golf clubs, golf bag, golf trolley and golf shoes.

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  2. What is the Golf Pack?

    You can purchase the Golf Pack under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies by paying an additional premium. You will only have the cover provided n the Golf Pack if you select this option at the time of purchase and you have paid the required additional premium. Please refer to the BENEFIT SUMMARY and the applicable section in of the PDS for details.

    Important cover conditions

    • Cover under this benefit is subject to the following conditions:
    • You only have this benefit if you purchased the Golf Pack in connection with an eligible policy.
    • There is no cover while golf equipment is in use.
    • You must take care to protect and secure your golf equipment at all times. This means:
      • You must not leave your golf equipment unsupervised or in a public place or at any time in the passenger compartment of an unattended motor vehicle.
      • You must not store your golf equipment in a motor vehicle overnight.
      • You must, when you are transporting your golf equipment by aircraft, securely pack it in a case or other container designed for golf equipment.
      • You must, when you are transporting your golf equipment by motor vehicle, only place it in the locked boot or locked storage compartment and obscured from view.
    • The limits set out in the Benefit Summary in the PDS apply to all claims in total under this benefit.
    • Where a claim is for the loss or theft of, or damage to, golf equipment, you must: o report the loss or 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 or theft occurred. o provided us a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.

    We will pay:

    • Up to the limits set out in the Benefit Summary in the PDS, If you are injured or become sick during your trip and are unable to play golf, we will pay the value of any unused, non-refundable, pre-paid green fees. You must provide us with written confirmation from your medical practitioner of the nature of your injury or sickness.

    If, during your trip, golf equipment owned by you is permanently lost, stolen or accidentally damaged, we will, at our option:

    • Repair the item
    • Replace the item, or
    • Pay you the amount it would cost us to repair or replace the item.

    Subject to the limits set out in the Benefit Summary in the PDS, the most we will pay is the original purchase price of the item less any depreciation that applies.

    Depreciation will be calculated as detailed under the heading Depreciation of the PDS. No depreciation will be applied to golf equipment purchased duty free prior to your departure, golf equipment purchased during your trip.

    Where an item is part of a pair or set, we will pay no more than the value of the lost, damaged or stolen part, regardless of any special value that the item may have had as part of a pair or set. If your golf equipment is stolen from an unoccupied motor vehicle then the most we will pay under any circumstances is $200 for each item, pair or set, and $1,000 in total for all stolen items.

    • We will reimburse you, up to the limits set out in the Benefit Summary in the PDS, for the costs of hiring alternative golf equipment that is necessary to continue with your original itinerary if:
      • we approve a claim by you under this Golf Pack for accidental loss, theft of, or damage to golf equipment owned by you; or
      • Golf equipment owned by you has been misdirected or delayed for a period of more than 24 hours.
    • We will also reimburse you the golf equipment hire insurance excess if you have chosen and paid for golf equipment hire cover from the hire company or agency and you are charged an excess following the loss of, or damage to the golf equipment hired by you.

    We will not pay:

    • If the loss or damage is to, or of, golf equipment while it is in use.
    • If the golf equipment was left unsupervised in a public place.
    • If you leave your golf equipment in any aircraft, cruise ship, ferry, train, tram, taxi or bus, or in any hotel or motel room after you have checked out.
    • If the golf equipment was left in an unattended a motor vehicle, unless it was left in the locked boot or locked storage compartment of a motor vehicle and obscured from view.
    • If the golf equipment was left overnight in a motor vehicle, even if it was left in the locked boot or locked storage compartment of a motor vehicle.
    • If the golf equipment was being sent unaccompanied or under a freight contract.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
    • If the golf equipment suffers an electrical or mechanical breakdown.
    • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).
    • If you do not report the loss, theft or damage 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, theft or damage occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.
    • For more than the applicable limit set out in the Benefit Summary of the PDS.

    Please also read General Exclusions that apply to all benefits in the PDS.

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  3. What is the Bicycle Pack?

    No cover is provided for bicycles under Benefit 14 (Luggage & Personal Effects) of the PDS and bicycles are not insured by your policy, unless the BICYCLE PACK is purchased under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. You will only have cover under Benefit 26 (Bicycles Pack) of the PDS if you select this option at the time of purchase and you have paid the required additional premium.

    Important cover conditions 

    Cover under this benefit is subject to the following conditions:

    • You only have this benefit if you purchased the Bicycle Pack in connection with an eligible policy.
    • There is no cover while a bicycle is in use.
    • Your bicycle must be less than 3 years old and have a value of at least $1,500.
    • The most we will pay per bicycle is $5,000 up to $15,000 in total for all bicycles.
    • The most we will pay for bicycle accessories is $750 as luggage and personal effects. You may choose to cover additional bicycle accessories under Specified High Value Items. 
    • You must take care to protect and secure your bicycle at all times. This means:
      • You must, whenever your bicycle is unsupervised in a public place, secure the bicycle frame and wheels to a fixed object with an approved lock. o You must not store your bicycle outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack). o You must, when you are transporting your bicycle by aircraft, securely pack it in a bike case or other container designed for bicycles.
      • You must, when you are transporting your bicycle by motor vehicle, keep it inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • Where a claim is for the loss or theft of, or damage to, a bicycle, you must:
      • report the loss or 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 or theft occurred.
      • provided us a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.
      • provide us evidence of the broken lock or securing device or forced entry into a locked storage compartment.

    We will pay:

    If, during your trip, a bicycle owned by you is permanently lost, stolen, or accidentally damaged we will at our option:

    • Repair the item
    • Replace the item, or
    • Pay you the amount it would cost us to repair or replace the item.

    Subject to the limits shown in the Benefit Summary of the PDS, the most we will pay is the original purchase price of the item less any depreciation that applies. Depreciation will be calculated as detailed under the heading Depreciation in the PDS.

    No depreciation will be applied to bicycles purchased duty free prior to your departure or during your trip.

    Where an item is part of a pair or set, we will pay no more than the value of the lost, damaged or stolen part, regardless of any special value that the item may have had as part of a pair or set.

    We will not pay:

    • If the bicycle is more than 3 years old at the time the Certificate of Insurance was issued.
    • If the bicycle has a value of less than $1,500.
    • If the loss or damage is to, or of, a bicycle while in use.
    • If the bicycle was left unsupervised in a public place unless the bicycle frame and wheels were secured to a fixed object with an approved lock.
    • If the bicycle is damaged while being transported by aircraft and you have not securely packed it in a bike case or other container designed for bicycles.
    • If the bicycle is lost, stolen or damaged while being transported by motor vehicle unless it has been kept inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • If the bicycle is lost, stolen or damaged while stored outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack).
    • If the bicycle has a mechanical, electrical or electronic breakdown.
    • For damage arising from or caused whilst your bicycle is being transported on a motor vehicle mounted bicycle rack.
    • For damage arising from or caused by your bicycle being driven over by a motor vehicle. For scratching or denting or any cosmetic damage that does not impair the function and performance of the bicycle.
    • If you leave your bicycle in any aircraft, cruise ship, ferry, train, tram, taxi or bus, or in any hotel or motel room after you have checked out.
    • For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of Insurance was issued.
    • For crushing, cracking or deformation of your bicycle caused by tightening or clamping.
    • For loss or damage that arises from ordinary wear and tear or deterioration.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from atmospheric or weather conditions, insects, rodents or vermin.
    • If the bicycle was being sent unaccompanied or under a freight contract.
    • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).
    • If you do not report the loss, theft or damage 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, theft or damage occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.

    For more than the applicable limits set out in the Benefit Summary in the PDS. Please also read General Exclusions that apply to all benefits in the PDS.

     

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  4. What is the Adventure Pack?

    You can purchase the Adventure Pack under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies by paying an additional premium. 

    You must be aged 74 and under at the date of policy issue to purchase the Adventure Pack.

    In addition to the Automatically Covered Sports and Leisure Activities that are automatically covered (see the PDS), the following listed amateur sports and activities are covered if you select this option.

    Additional Activities Covered by the Adventure Pack

    • Abseiling
    • Animal conservation and handling (under appropriate supervision)
    • Battle re-enactment (not with firearms )
    • Cave/river tubing
    • Caving/potholing
    • Contact sports (including any form of rugby, Australian Rules football or American football )
    • Deep sea fishing
    • Diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)
    • Expeditions to or on the Kokoda Track/Trail
    • Flying fox/zip lining
    • Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher), but only where specialist climbing equipment is not required
    • Martial arts (basic training only, no sparring, no competition)
    • Off road motorcycle riding (only single rider and no jumping, racing or competition)
    • Outdoor rock climbing (with ropes and appropriate safety gear)
    • Quad biking (only single rider and no jumping, racing or competition)
    • Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)
    • Sailing from 11 to 15 nautical miles (but not farther) off any land mass (no competition or racing)
    • Shooting moving targets (e.g. clay pigeons)
    • Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (you must be in tandem with an instructor licensed for these activities)
    • Water skiing, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps )

    From time to time we may add additional covered activities, if you cannot see the activity you want cover for in this list check the list on our website at fastcover.com.au/activities.

    Activities are not covered by your policy unless listed here or listed in the Automatically Covered Sports and Activities in the PDS or on our website at fastcover.com.au/activities. P

    lease also refer to the General Exclusions in the PDS.

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  5. What is 'Golf equipment hire' cover?

    You only have this cover if you purchased the Golf Pack under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. 

    We will pay:

    If we have agreed to pay a claim under Benefit 25 (Golf Pack) of the PDS:

    • for accidental loss, theft of, or damage to, golf equipment owned by you; or
    • following the misdirection or delay, for a period of more than 24 hours, of golf equipment owned by you;

    we will reimburse you for the costs of hiring alternative golf equipment.

    We will also reimburse the golf equipment hire insurance excess if you have chosen and paid for golf equipment hire cover from the hire company or agency and you are charged an excess following the loss of, or damage to the golf equipment hired by you.

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  6. What is 'Golf green fees' cover?

    You only have this cover if you purchased the Golf Pack under under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies..

    We will pay:

    Up to the limits set out in the Benefit Summary of the PDS, if you are injured or become sick during your trip and are unable to play golf, we will pay the value of any unused, non-refundable, pre-paid green fees.
    You must provide us with written confirmation from your medical practitioner of the nature of your injury or sickness.

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  7. 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 benefit is subject to the following conditions:

    • You only have this benefit if you purchased the Bicycle Pack in connection with an eligible policy.
    • There is no cover while a bicycle is in use.
    • Your bicycle must be less than 3 years old and have a value of at least $1,500.
    • The most we will pay per bicycle is $5,000 up to $15,000 in total for all bicycles.
    • The most we will pay for bicycle accessories is $750 as luggage and personal effects. You may choose to cover additional bicycle accessories under Specified High Value Items.
    • You must take care to protect and secure your bicycle at all times. This means:
       * You must, whenever your bicycle is unsupervised in a public place, secure the bicycle frame and wheels to a fixed object with an approved lock.
       * You must not store your bicycle outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack).
       * You must, when you are transporting your bicycle by aircraft, securely pack it in a bike case or other container designed for bicycles.
       * You must, when you are transporting your bicycle by motor vehicle, keep it inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • Where a claim is for the loss or theft of, or damage to, a bicycle, you must:
       * report the loss or 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 or theft occurred.
       * provide us with a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.
       * provide us with evidence of the broken lock or securing device or forced entry into a locked storage compartment.

    We will pay:

    If, during your trip, a bicycle owned by you is permanently lost, stolen, or accidentally damaged we will at our option:
    • Repair the item; or
    • Replace the item; or
    • Pay you the amount it would cost us to repair or replace the item.


    Subject to the limits shown in the Benefit Summary in the PDS, the most we will pay is the original purchase price of the item less any depreciation that applies. Depreciation will be calculated as detailed under the heading Depreciation in the PDS.

    No depreciation will be applied to bicycles purchased duty free prior to your departure or during your trip.


    Where an item is part of a pair or set, we will pay no more than the value of the lost, damaged or stolen part, regardless of any special value that the item may have had as part of a pair or set.

    We will not pay:

    • If the bicycle is more than 3 years old at the time the Certificate of Insurance was issued.
    • If the bicycle has a value of less than $1,500.
    • If the loss or damage is to, or of, a bicycle while in use.
    • If the bicycle was left unsupervised in a public place unless the bicycle frame and wheels were secured to a fixed object with an approved lock.
    • If the bicycle is damaged while being transported by aircraft and you have not securely packed it in a bike case or other container designed for bicycles.
    • If the bicycle is lost, stolen or damaged while being transported by motor vehicle unless it has been kept inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • If the bicycle is lost, stolen or damaged while stored outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack).
    • If the bicycle has a mechanical, electrical or electronic breakdown.
    • For damage arising from or caused whilst your bicycle is being transported on a motor vehicle mounted bicycle rack.
    • For damage arising from or caused by your bicycle being driven over by a motor vehicle.
    • For scratching or denting or any cosmetic damage that does not impair the function and performance of the bicycle.
    • If you leave your bicycle in any aircraft, cruise ship, ferry, train, tram, taxi or bus, or in any hotel or motel room after you have checked out.
    • For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of Insurance was issued.
    • For crushing, cracking or deformation of your bicycle caused by tightening or clamping.
    • For loss or damage that arises from ordinary wear and tear or deterioration.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from atmospheric or weather conditions, insects, rodents or vermin.
    • If the bicycle was being sent unaccompanied or under a freight contract.
    • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you
    were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear). 
    • If you do not report the loss, theft or damage 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, theft or damage occurred. You must prove that you made such report by providing us with a written statement from
    whoever you reported it to.
    • For more than the applicable limits set out in the Benefit Summary in the PDS

    .
    Please also read General Exclusions that apply to all benefits in the PDS.

     

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  8. Is Abseiling covered?

    You are NOT automatically covered. To obtain cover for Abseiling you will need to buy the Adventure Pack Add-on.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  9. Is Animal conservation and handling covered?

    You are NOT automatically covered.

    To obtain cover for Animal conservation and handling you will need to buy the Adventure Pack Add-on, and the activity must be done under appropriate supervision.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  10. Is Battle re-enactment covered?

    You are NOT automatically covered.

    To obtain cover for Battle re-enactment you will need to buy the Adventure Pack Add-on, and it must NOT be done with firearms.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  11. Is Cave/river tubing covered?

    You are NOT automatically covered.

    To obtain cover for Cave/river tubing you will need to buy the Adventure Pack Add-on.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  12. Is Caving/potholing covered?

    You are NOT automatically covered.

    To obtain cover for Caving/potholing you will need to buy the Adventure Pack Add-on.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  13. Are Contact sports covered?

    You are NOT automatically covered.

    To obtain cover for Contact sports (including any form of rugby, Australian Rules football or American football) you will need to buy the Adventure Pack Add-on.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  14. Is Deep sea fishing covered?

    You are NOT automatically covered.

    To obtain cover for Deep sea fishing you will need to buy the Adventure Pack Add-on.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  15. Are Expeditions to or on the Kokoda Track/Trail covered?

    You are NOT automatically covered.

    To obtain cover for Expeditions to or on the Kokoda Track/Trail you will need to buy the Adventure Pack Add-on.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  16. Is Flying fox/zip lining covered?

    You are NOT automatically covered.

    To obtain cover for Flying fox/zip lining you will need to buy the Adventure Pack Add-on.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  17. Is Martial arts covered?

    You are NOT automatically covered.

    To obtain cover for Martial arts you will need to buy the Adventure Pack Add-on and cover is only available if you are doing basic training, not sparring and not competing.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  18. Is Outdoor rock climbing covered?

    You are NOT automatically covered.

    To obtain cover for Outdoor rock climbing you will need to buy the Adventure Pack Add-on and you must use ropes and appropriate safety gear. Free climbing is not covered.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  19. Is Shooting covered?

    You are NOT automatically covered.

    To obtain cover for Shooting you will need to buy the Adventure Pack Add-on.

    Please note that Shooting is only for a moving target, e.g. clay pigeon.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  20. Is Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding covered?

    You are NOT automatically covered.

    To obtain cover for Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding you will need to buy the Adventure Pack Add-on, and you must do this in tandem with an instructor licensed for these activities.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  21. Is Kick boxing covered?

    You are NOT automatically covered.

    Kick boxing is considered a martial art. To obtain cover for Kick boxing you will need to buy the Adventure Pack Add-on and cover is only available if you are doing basic training, not sparring and not competing.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  22. What am I covered for if I take out an Adventure Pack?

    If you injure yourself while participating in the Adventure sports specified in our PDS, you have provision to put a claim in for the medical expenses you incur.

    You must NOT be competing or playing professionally.

    Note: Cover is NOT provided for claims under the Permanent Disability, Loss of Income or Personal Liability benefits.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  23. Are crampons considered 'specialist climbing equipment' for the purposes of hiking and trekking?

    Yes, the use of crampons for hiking and trekking would be considered specialist climbing equipment.

    There would be no cover if you will be going on a hike or trek which requires the use of crampons.

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  24. Am I covered for Dirt Bike riding?

    Yes, cover is offered under our policies including riding on unsealed roads as long as you:


    a) Have a current Australian motorcycle licence, and
    b) Have a licence valid for the country you are riding in, and
    c) Are under the direct supervision of a properly licensed recreational organisation, and;
    d) Wear protective gloves and a motorcycle rider’s helmet.

    There is NO cover for racing Dirt Bikes, competition of any kind or for professional riding.
    Cover is subject to the policy terms, conditions, limits and exclusions.

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  25. Am I covered for Kayaking?

    Yes, you are automatically covered for Kayaking up to Grade 3 ONLY. You will need to buy the Adventure Pack if you wish to do Kayaking in rivers or rapids graded 4 or 5.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  26. Am I covered for White Water Rafting?

    Yes, you are automatically covered for White Water Rafting up to Grade 3 ONLY. You will need to buy the Adventure Pack if you wish to do White Water rafting in rivers or rapids graded 4 or 5.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  27. Am I covered for Bungee Jumping?

    Yes, you are automatically covered for Bungee Jumping.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  28. Am I covered for Horse Riding?

    Yes, you are automatically covered for Horse Riding, but NOT for competitions, equestrian events, steeple chasing, jumping, or polo.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  29. 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. You also must be a single rider and NOT racing Quad Bikes.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  30. Am I covered for Zip-Lining (aerial runway, zip wire, aerial rope slide, flying fox, death slide, Tyrolean runway, canopy tour)?

    You are NOT automatically covered. You will need to buy the Adventure Pack to be covered for Zip-Lining. 

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  31. Am I covered if I participate in a sport that is not mentioned in the PDS as being either covered or not covered?

    No, if the sport/activity is not explicitly mentioned in the Automatically Covered Sports and Leisure Activities (or in the Adventure Pack, if you have purchased it), then it is NOT covered.

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  32. Am I covered for Scuba Diving?

    Yes, you are automatically covered for Scuba Diving to a depth of 10m. You must hold an open water diving licence recognised in Australia or dive with a licensed instructor. You will need to buy the Adventure Pack if you wish to Scuba Dive between 10m and 30m. Scuba Diving deeper than 30m CANNOT be covered. 

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  33. Are Golf Clubs and Golf Equipment covered?

    Yes. You are covered up to a combined total of $750 for your golf clubs, golf bag and golf trolley. If you are wanting a higher level of cover for individual golf items or higher combined limit you will need to buy the Golf Pack add on.

     

    The Gold Pack add on provides cover for

    - Your own golf equipment (golf clubs, golf bag, golf trolley and golf shoes)

    - Golf Equipment Hire (golf clubs, golf bag, golf trolley and golf shoes)

    - Golf Green Fees

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  34. Are Bicycles covered?

    You will need to buy the Bicycle Pack Add-on to cover your Bicycle. Be aware that Bicycle Accessories (helmets, pumps, etc) are automatically covered under the Luggage and Personal Effects benefit and NOT covered under the Bicycle Pack Add-on.

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Call us

1300 409 322

Email us

info@fastcover.com.au

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