Add On Packs

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

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  2. What is the Golf Pack?

    You can purchase the Golf Pack under Plans A, B, D, M & S by paying an additional premium. You will only have the cover provided under the sections included in 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 TABLE OF BENEFITS and the applicable section in YOUR POLICY COVER of the PDS for details. You cannot purchase sections of this pack individually.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  3. What is the Bicycle Pack?

    No cover is provided for bicycles under Section 11 (Luggage & Personal Effects) of the PDS and bicycles are not insured by your policy, unless the BICYCLE PACK is purchased under Plans A, B, D, M & S. You will only have cover under Section 28 (Bicycles) of the PDS if you select this option at the time of purchase and you have paid the required additional premium.

    The Bicycle Pack only covers bicycles if, at the time the Certificate of Insurance is issued, they are:

    • less than three (3) years old; and
    • valued at $1,500 or more; and
    • free of defects.

    The maximum amount we will pay for any one bicycle is $5,000 and $15,000 for all claims combined. Please note: No cover is provided under this section for any bicycle accessories (including but not limited to tools, bicycle pumps, lights, helmets, etc.). These items are covered under Section 11 (Luggage & Personal Effects) of the PDS and the standard item limits under sub-section 11.1 b] will apply.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  4. What is the Adventure Pack?

    You can purchase the Adventure Pack under Plans A, B, D, M & S by paying an additional premium. In addition to the Automatically included Sports and Activities listed in the section headed 'How to purchase this policy' of the PDS, the following amateur listed sports and activities are covered if you select this option at the time of purchase and you have paid the required additional premium:

    • Abseiling;
    • Animal conservation and handling (under appropriate supervision);
    • Battle re-enactment (but 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 from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not required;
    • Martial arts (but not training);
    • Outdoor rock climbing (with ropes and appropriate safety gear);
    • Quad biking (but only single rider and not racing);
    • Sailing from 11 to 15 nautical miles off any land mass (but not racing);
    • Shooting (but only moving target, e.g. clay pigeon);
    • Surface water activities in rivers or rapids graded IV or V under the International Scale of River Difficulty (but not racing);
    • Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with an instructor licensed for these activities).

    You must be under the age of 75 at the date of issue.

    This additional option does not provide cover for claims under Section 7 (Permanent Disability) or Section 15 (Personal Liability) of the PDS that arise from you participating in the listed activities available under this option.

    Activities are not covered by the policy unless listed here or listed in the Automatically included Sports and Activities listed in the section headed 'How to purchase this policy' of the PDS.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  5. What is 'Own golf equipment' cover?

    You only have this cover if you purchased the Golf Pack under Plan A, B, D, M or S.

    We will pay:

    a) If, during your journey, your golf equipment is stolen, accidentally damaged or is permanently lost (except when left in a motor vehicle or while in use) we will pay the lesser of:

    • the repair cost;
    • the replacement cost;
    • the amount it would cost us to repair or replace the item(s) allowing for any trade discounts we are entitled to;
    • the cost of repairing or replacing the lost or damaged part of a pair, set or collection; or
    • the original purchase price. We have the option to repair or replace the golf equipment instead of paying you.

    A pair or set of items, for example (but not limited to):

    • matched or unmatched set of golf clubs, golf bag and buggy are considered as only one item and the appropriate benefit limit will be applied.

    b) Golf equipment owned by you and left in a motor vehicle is only covered during daylight hours and must have been left in a concealed storage compartment of a locked motor vehicle, and forced entry must have been made. The most we will pay is $200 for each item, and $1,000 in total for all stolen items.

    c) No cover is provided for golf equipment while it is in use.

    We will not pay:

    To the extent permitted by law, we will not pay a claim in relation to golf equipment owned by you if:

    a) 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;

    b) the loss, theft or damage is to, or of, golf equipment left behind in any hotel or motel room after you have checked out, or golf equipment left behind in any aircraft, ship, train, tram, taxi or bus;

    c) the golf equipment was being sent unaccompanied by you or under a freight contract;

    d) the loss or damage arises from any process of cleaning, repair or alteration;

    e) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin;

    f) the golf equipment was left unsupervised in a public place;

    g) the golf equipment was left unattended in a motor vehicle, unless it was left in a concealed storage compartment of a locked motor vehicle;

    h) the golf equipment was left overnight in a motor vehicle; even if it was left in a concealed storage department of a locked motor vehicle.

    i) 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; or

    j) the loss or damage is to, or of, golf equipment while it is in use.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  6. What is 'Golf equipment hire' cover?

    You only have this cover if you purchased the Golf Pack under Plan A, B, D, M or S. 

    We will pay:

    If we have agreed to pay a claim under Section 25 Own Golf Equipment 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  7. What is 'Golf green fees' cover?

    You only have this cover if you purchased the Golf Pack under Plan A, B, D, M or S.

    We will pay:

    If you are injured or becoming sick during your journey and you have provided us with written confirmation from a medical adviser confirming your inability to play golf, we will pay the value of any unused, non-refundable, pre-paid green fees.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  8. What is 'Hole in one' cover?

    You only have this cover if you purchased the Golf Pack under Plan A, B, D, M or S.

    We will pay:

    If you complete a hole in one by driving from the tee and holing out in a single stroke during an organised game involving two or more players, at any 18 hole golf course with a course par score of 65 or above, we will pay you $250. You must provide us with a copy of your score card signed by you and your golfing partner(s) and countersigned by the club professional or secretary.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  9. What is 'Bicycle' cover?

    You only have this cover if you purchased the Bicycle Pack under Plan A, B, D, M or S.

    Cover for any loss or theft of, or damage to, a bicycle is subject to the following:

    The bicycle must be:

    a) in a securely packaged container specifically designed for the bicycle during transportation, where travel is by aircraft;

    b) either in the concealed storage compartment, or attached to a towbar or roof-mounted bicycle carrier and secured with a D-Lock or armour plated cable (valued at $100 or more), where travel is by sedan, hatch-back or similar motor vehicle; or

    c) in the concealed storage compartment of a mini-bus/people mover or similar motor vehicle (if the bicycle cannot be transported on a bicycle carrier), or a concealed storage compartment of a bus, train or ship.

    At any other time when the bicycle is unsupervised, the bicycle frame and wheels must be secured to a fixed object with a D-Lock or Armour plated cable (valued at $100 or more).

    Where a claim is for the theft of a bicycle, evidence of the broken securing device as well as a police report will be required.

    We will pay:

    a) If, during your journey, your bicycle is stolen, accidentally damaged or permanently lost (except as provided above or while in use) we will decide whether to:

    • replace the lost, stolen or damaged item(s) with the nearest identical item(s);
    • pay the cost of repairing or replacing the item(s); or
    • pay you up to the amount of the sum insured.

    However, any payment will not be more than:

    • the original purchase price;
    • the amount it would cost us to replace or repair the item(s) allowing for any trade discounts we are entitled to; or
    • $5,000 for any one bicycle,

    whichever is the lesser.

    The maximum amount we will pay for all claims combined is $15,000.

    b) Bicycles left in a motor vehicle are only covered during daylight hours and must have been left in a concealed storage compartment of a locked motor vehicle, and forced entry must have been made.

    c) No cover applies while a bicycle is in use or if a bicycle is left unattended in the passenger compartment of a motor vehicle or if a bicycle has been left in a motor vehicle overnight.

    We will not pay:

    To the extent permitted by law, we will not pay a claim in relation to your bicycle if:

    a) the bicycle is greater than 3 years old at the time the Certificate of Insurance was issued;

    b) the bicycle is valued at less than $1,500;

    c) the bicycle was not free of defects at the time the Certificate of Insurance was issued;

    d) you do not report the loss, theft or misplacement 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 misplacement occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to;

    e) the loss, theft or damage is to, or of, bicycles left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus;

    f) the bicycle was being sent unaccompanied by you or under a freight contract;

    g) the loss or damage arises from any process of cleaning, repair or alteration;

    h) the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin;

    i) the bicycle was left unsupervised in a public place unless, the bicycle frame and wheels were secured to a fixed object with a D-Lock or Armour plated cable (valued at $100 or more);

    j) the bicycle was left unattended in a motor vehicle, unless left in a concealed storage compartment of a locked motor vehicle;

    k) the bicycle was left in a motor vehicle overnight;

    l) the bicycle has a mechanical breakdown;

    m) you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement 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; or

    n) the loss or damage is to, or of, a bicycle while in use.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

Still have questions?

Ask us

Submit online

Call us

1300 409 322

Email us

info@fastcover.com.au

Travel Alerts

Before you purchase your policy and before you travel, read the latest travel alerts that may effect your travel.

Travel Guides

We’ve put together a series of country and city guides to help you with your travel plans.

Travel Suitcase

Be inspired and come along for the ride as we bring you the world before your experience it for yourself.

Need a hand?

1300 409 322
enquiries@fastcover.com.au
Fax: (02) 8252 4710

?