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, competiton of any kind or for professional riding.

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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 Add-on if you wish to do Kayaking in rivers or rapids graded 4 or 5.

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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 Add-on if you wish to do White Water rafting in rivers or rapids graded 4 or 5.

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  4. Am I covered for Bungee Jumping?

    Yes, you are automatically covered for Bungee Jumping.

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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.

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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 Add-on. You also must be a single rider and NOT racing Quad Bikes.

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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 Add-on to be covered for Zip-Lining. 

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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 explicity mentioned in the automatically included list (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 will need to buy the Adventure Pack Add-on if you wish to Scuba Dive between 10m and 30m. Scuba Diving deeper than 30m CANNOT be covered. 

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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.

     

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

     

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  11. What is the meaning of 'Bicycle' in the PDS?

    'Bicycle' means any bicycle, tricycle, tandem, trailer cycle or push scooter that is powered by human pedalling or and/or a battery.

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

    'Carrier' means an aircraft, vehicle, train, tram, vessel or other public transport operated under a licence for the purpose of transporting passengers. This 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 with you on the journey.

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

    'Family' means you, your spouse or 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 'Journey' in the PDS?

    'Journey' means your journey from 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.

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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 displacement 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 displacement 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 for the purposes of the policy, your or your travelling companion's mother, mother-in-law, father, father-in-law, step parent, step parent-in-law, sister, sister-in-law, brother, brother-in-law, wife, husband, son, son-in-law, daughter, daughter-in-law, step child, foster child, grandparent, grandchild, partner, fiance, spouse or guardian only if they are under 85 years of age and resident in Australia or New Zealand.

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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 is eligible for an Australian 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 before your policy was issued, to travel with you for at least 75% of your journey.

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

    Your policy provides cover for claims arising directly from your participation in the following amateur sports and amateur recreational activities, subject to the terms, conditions, limits and exclusions that apply to the section under which your claim is made and the GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS of the PDS:

    • Aqua zorbing;
    • Archery;
    • Bicycling (but not bicycle motorcross (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);
    • 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 9);
    • 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 activities are excluded from cover under your policy, subject to any additional options that have been purchased and are listed on your Certificate of Insurance.

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