Adventure Sports and Activities FAQs | Fast Cover

Adventure Sports and Activities FAQs

  1. Am I covered for Dirt Bike riding?

    Yes, cover is offered under our policies as long as you have a current Australian motorcycle licence and are acting responsibly. 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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  2. 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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  3. 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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  4. 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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  5. 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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  6. 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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  7. 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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  8. 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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  9. 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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  10. Am I covered for Motorcross riding?

    Motorbike Motorcross: Yes, you are covered provided you wear a helmet, adhere to all rules and regulations and DO NOT race or jump.

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

    Bicycle Motorcross: No, you are NOT covered  for bicycle motorcross riding.

     

     

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  11. What is the meaning of 'Bicycle'?

    'Bicycle' means any cycle, tricycle or tandem powered predominantly by human pedalling. This includes road bikes, mountain bikes, track bikes, BMX, recumbent bicycles and electric ‘pedal assist’ bicycles not exceeding 300 watts.  A bicycle includes a standard set of components necessary to render the bicycle functional (i.e. frame, wheels, handle bars, saddle, group-set, etc.).

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  12. What is the meaning of 'Carrier' in the PDS?

    'Carrier' means an aircraft, vehicle, train, tram, cruise ship, ferry, vessel or any other public transport operated under a license for the purpose of transporting passengers. The definition excludes taxis.

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  13. What is the meaning of 'Dependant' in the PDS?

    'Dependant' means your children or grandchildren not in full time employment who are under the age of 21 and travelling together with you for 100% of the trip.

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  14. What is the meaning of 'Family' in the PDS?

    'Family' means you, your spouse (or someone legally recognised in Australia as your de facto partner) and your dependants.

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  15. What is the meaning of 'Home' in the PDS?

    'Home' means the place where you normally live in Australia.

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  16. What is the meaning of 'Trip' in the PDS?

    'Trip' means for all policies other than policies purchased while you are overseas, the time when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home, provided however that for Domestic Plus policies you must be more than 200 kms from your home.  For policies purchased while you are overseas, trip means your travel from the time when the policy is issued when you are overseas to the time when you return to your home.

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  17. What is the meaning of 'Moped' or 'Scooter' in the PDS?

    'Moped' or 'Scooter' means any two-wheeled or three-wheeled motor vehicle with an engine capacity of not greater than 50cc.

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  18. What is the meaning of 'Motorcycle' in the PDS?

    'Motorcycle' means any two-wheeled or three-wheeled motor vehicle with an engine capacity greater than 50cc.

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  19. What is the meaning of 'Overseas' in the PDS?

    'Overseas' means in any country other than Australia.

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  20. What is the meaning of 'Public Place' in the PDS?

    'Public Place' means any place that the public has access to, including but not limited to planes, trains, trams, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas.

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  21. What does 'Relative' mean in the PDS?

    'Relative' means any of the following who is under 85 years of age and who is resident in Australia or New Zealand: you or your travelling companion’s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, uncle, aunt, niece, nephew, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.

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  22. What does 'Resident of Australia' mean in the PDS?

    'Resident of Australia' means someone who currently resides in Australia and holds a current Australian Medicare card which is not a visitor Medicare card.

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  23. What does 'Travelling Companion' mean in the PDS?

    'Travelling Companion' means a person with whom You have made arrangements to travel with for at least 75% of Your Trip before Your Policy was issued.

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  24. What sports and activities are automatically covered in my policy?

    You are automatically covered for a number of sports and leisure activities. If you are taking a trip that involves more adventurous activities we offer an optional Adventure Pack that includes cover for a wide range of adventurous activities.

    Automatically Covered Sports and Leisure Activities

    • Aqua zorbing
    • Archery
    • Bicycling (but not racing, motor cross, BMX, or downhill mountain biking)
    • Bungee jumping or canyon swinging
    • Camel, donkey or elephant riding (under appropriate supervision)
    • Dancing
    • Dog sledding
    • Diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)
    • Fishing (on land or within 2 nautical miles of a land mass)
    • Go-karting
    • Golf
    • Gym activities (but not powerlifting)
    • Gymnastics (but not competitions)
    • Hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required (choose the Adventure Pack option for higher altitudes)
    • Horse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo)
    • Ice skating on a rink (but not including competitive skating, racing, speed skating, and tour skating)
    • Indoor rock climbing (under appropriate supervision)
    • Leisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits)
    • Motorcycle, scooter or moped riding (restrictions apply - refer to General Exclusion 10)
    • Orienteering
    • Paintball (with eye protection)
    • Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles)
    • Racquet and ball sports not involving physical contact
    • Regulated or licensed ballooning
    • Safari (under appropriate supervision) but not hunting
    • Sailing up to 10 nautical miles off any land mass
    • Shark cage diving (subject to diving restrictions listed above)
    • Shooting (fixed target only)
    • Skateboarding, roller skating, inline skating (but not including vert skating or acrobatics)
    • Snorkelling
    • Soccer
    • Surface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals
    • Surface water activities (other than sailing) up to 2 nautical miles off any land mass Track and field athletics
    • Walking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail)

    All other sports and leisure activities are excluded from cover under your policy, except however the adventure activities covered under the optional Adventure Pack if you paid the additional premium for the Adventure Pack and it is listed on your Certificate of Insurance.  

    From time to time we may add automatically 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.

    Note that it is a condition of cover for all activities that you act in a reasonable way to protect yourself. The best way that you can do this is to enjoy your activities with a properly licensed outdoor pursuits or sports organisation and to follow their instructions.

    Please also read General exclusions that apply to all benefits (see the PDS).

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