Adventure Sports and Activities FAQs | Fast Cover

Adventure Sports and Activities FAQs

  1. 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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  2. 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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  3. 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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  4. 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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  5. 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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  6. 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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  7. 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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  8. 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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  9. Am I covered for Motorcross riding?

    There is NO cover for Motorbike or Bicycle Motor-cross riding. 

     

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  10. 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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  11. 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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  12. 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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  13. 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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  14. What is the meaning of 'Home' in the PDS?

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

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  15. 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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  16. 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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  17. 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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  18. What is the meaning of 'Overseas' in the PDS?

    'Overseas' means in any country other than Australia.

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  19. 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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  20. 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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  21. 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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  22. 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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