General Advice FAQs

Answers shown refer to policies purchased on or after 21st May 17. For policies purchased prior, they are a guide only and you must read the PDS for exact wording.

  1. 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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  2. What is the meaning of 'Home' in the PDS?

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

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  3. 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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  4. 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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  5. 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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  6. 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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  7. 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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  8. 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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  9. 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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  10. 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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  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. Am I covered for Motorcross riding?

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

     

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  13. Am I covered if I ride a motorcycle and have a Learner's licence?

    No, you are NOT covered.

    You must hold, at the very least, a current Australian Provisional Motorcycle Licence valid for the same class of motorcycle and valid licence for the country you are riding in.

    If you do hold a Provisional Australian Motorcycle licence you must comply with the restrictions of this type of licence, regardless of the local laws.

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  14. How long is a single trip cover for?

    If you take out a Comprehensive, Snow Sports Plus, Standard Saver or Domestic Plus policy, the Cancellation benefit starts immediately from the date of policy purchase. The other policy benefits come into effect for the duration of the travel dates as specified on the policy.

    A Basics policy covers you for the duration of the travel dates as specified on the policy.

    A 'Trip' means your holiday from the time 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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  15. Am I covered if my tour company collapses?

    No, there is no cover for the financial collapse of a tour company.

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  16. What size moped or scooter am I covered to ride overseas?

    You are covered to ride a moped or scooter with an engine size no greater than 50cc provided you have a current Australian drivers licence and licence valid for the country that you are riding in.

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

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  17. What size motorbike am I covered to ride overseas?

    The motorbike must have an engine capacity greater than 50cc.

    You must hold a current Australian motorcycle licence valid for the same size of motorcycle, regardless of the local laws and a licence valid for the country that you are riding in.

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

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  18. Am I covered for motorcycle riding? (Motorbike)

    Yes, you are covered for motorcycle riding provided you have a current Australian motorcycle licence and a motorcycle licence valid for the country that you are riding in.

    If you hold a Provisional Australian Motorcycle licence you must comply with the restrictions of this type of licence, regardless of the local laws.

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

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  19. My motorbike has an engine displacement of more than 250cc, am I covered?

    Yes, you are covered provided your motorcycle licence allows you to ride a motorcycle of that engine size. There is no limit to the engine displacement of a motorbike provided you are licensed to ride it.

    You must have a current Australian motorcycle licence and motorcycle licence valid for the country you are riding in.

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

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  20. Am I covered for Free Diving?

    No, free diving is NOT covered.

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  21. Do you cover for hiking?

    You are automatically covered for hiking to altitudes of up to 3000m where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).

    You will need to buy the Adventure Pack Add-on if you wish to hike to an altitude of up to 6000m where specialist climbing equipment is not required, or if you wish to take an expedition to or on the Kokoda Track/Trail.

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

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  22. Do you cover for riding a moped or scooter?

    Yes, you are covered for riding a moped or scooter (limited to 50cc engine capacity) provided you have a current Australian drivers licence and drivers licence valid for the country you are riding in.

    You will not be covered if your claim arises directly or indirectly from, or is any way connected with you riding a moped or scooter without a helmet.

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

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  23. Am I covered if there's a natural disaster, like a hurricane or volcanic eruption?

    Yes, cover is provided for a natural disaster. The level of cover for natural disasters depends on the type of policy you have chosen for your holiday.

    The Comprehensive, Snow Sports Plus, Standard Saver, Frequent Traveller Saver and Basics policy provides medical cover should you become injured due to the natural disaster.

    The Comprehensive, Snow Sports Plus, Standard Saver and Frequent Traveller Saver policy may provide cover towards the cost of travel and accommodation arrangements if your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a natural disaster.

    The Comprehensive, Snow Sports Plus and Frequent Traveller Saver policy may provide cover towards the cost of travel delays and alternative transport arrangements if your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a natural disaster.

    Cover is subject to policy terms, conditions and exclusions.

    Cover may depend on:

    1) Whether the natural disaster was unforeseen when you booked the travel; and

    2) When you purchased the insurance; and

    3) Whether the circumstances giving rise to any claim arose in circumstances where travel was undertaken against the advice or warning by any government or official body, or where the mass media had indicated the existence or potential existence of circumstances that may affect the travel.

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  24. I want to drive a car on my holiday, can I be covered?

    Yes, you are covered if you get injured in an accident while driving a car provided you have a current Australian drivers licence and licence valid for the country you are driving in.

    The car itself is not covered, however you can purchase Rental Vehicle Insurance Excess cover as a part of your policy, to cover the excess specified in the rental agreement with your Car Rental company.

    Please note that the Basics policy does not provide the option to add cover for Rental Vehicle Insurance excess.

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  25. Do you cover for Personal Liability?

    Our Comprehensive, Snow Sports Plus, Standard Saver, Domestic Plus, Frequent Traveller Plus and Basics policies provide cover for Personal Liability.

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

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  26. Can I get a refund for booked day tours if they're cancelled?

    You may be covered for cancellation of booked day tours, provided it is for a reason which you can claim for under your policy and none of the policy exclusions apply.

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  27. What if a family member dies while I am on holiday?

    You may be able to claim for the cost of returning to Australia if:

    1) Your family member is under the age of 85; and

    2) Resides in Australia; and

    3) The death was unexpected or you were unaware of the likelihood of death due to a pre-existing medical condition.

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  28. What if I die while I am on holiday?

    If you unexpectedly die as a result of an injury or sickness during your holiday, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home up to a maximum of $15 000 per person.

    The Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies also provide Accidental Death cover up to $25 000 for travellers aged 79 years of age and under, $20 000 for travellers 80 - 89 years of age and $15 000 for travellers over 90 years of age.

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  29. What are Additional Options or Add-ons?

    Additional options or Add-ons are extra cover you can purchase with your policy so you can tailor your policy to suit the type of holiday you're taking.

    Depending on the policy you choose, Additional Options include cover for Adventure sports, Rental Vehicle Excess, extra cover cover for valuable items, Golf pack and Bike pack.

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  30. Where can I find the Emergency Assistance Numbers?

    You can find the Emergency Assistance Numbers in a few places:

    1) On your policy certificate

    2) In our PDS: https://fastcover.com.au/pds

    3) On our website: https://fastcover.com.au/emergency-contacts/

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  31. What do I do if there's a terrorist attack?

    You should take appropriate action to avoid or minimise any danger to yourself and contact the police or relevant authorities for assistance.

    You should also contact the Emergency Assistance team as soon as you can for advice on what you should do.

    You still have Medical cover if you are injured or killed in an overseas terrorist attack.

    There is NO cover for Cancellation, Travel Delays and Alternative Transport Expenses in the event or threat of a terrorist attack.

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  32. Am I covered for Cross Country Mountain biking?

    No, you are NOT covered for this activity even if you have taken out the Optional Adverture Pack.

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  33. Are travel vaccinations covered by travel insurance?

    No, the cost of travel vaccinations are NOT covered under your policy.

    Vaccinations are an important part of looking after your health while travelling. You need to check whether vaccinations are required for the countries you are visiting.

    Some countries require you to be vaccinated against specific diseases and may refuse entry if you are not appropriately vaccinated.

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  34. Does travel insurance cover airbnb?

    Yes, accommodation that you have paid in advance for your holiday is covered.

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

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  35. Does travel insurance cover the consumption of alcohol?

    No, you are not covered if you make a claim which resulted from you being under the influence or addicted to intoxicating liquor or drugs, unless the drug was prescribed to you by a doctor.

    This is a GENERAL EXCLUSION in the PDS.

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  36. Does travel insurance cover flight changes?

    Yes, there is cover for flight changes provided it is for a reason that you can claim for under your policy.

    There is no cover for flight changes if you change your mind.

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

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  37. Does travel insurance cover volcanic ash?

    Yes, cover is provided in the event of a volcanic ash cloud. The level of cover depends on the type of policy you have chosen for your holiday.

    The Comprehensive, Snow Sports Plus, Standard Saver, Frequent Traveller Saver and Basics policy provides medical cover should you become injured due to the natural disaster.

    The Comprehensive, Snow Sports Plus, Standard Saver and Frequent Traveller Saver policy may provide cover towards the cost of travel and accommodation arrangements if your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a natural disaster.

    The Comprehensive, Snow Sports Plus and Frequent Traveller Saver policy may provide cover towards the cost of travel delays and alternative transport arrangements if your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a natural disaster.

    Cover is subject to policy terms, conditions and exclusions.

    Cover may depend on:

    1) Whether the natural disaster was unforeseen when you booked the travel; and

    2) When you purchased the insurance; and

    3) Whether the circumstances giving rise to any claim arose in circumstances where travel was undertaken against the advice or warning by any government or official body, or where the mass media had indicated the existence or potential existence of circumstances that may affect the travel.

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  38. Which travel insurance policy covers civil unrest?

    The Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies provide cover for unexpected civil unrest, provided you purchase your policy BEFORE the civil protest started or was already a known event.

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

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  39. Am I covered if I take a helicopter ride as part of my holiday?

    Yes, provided:

    1) You are a passenger on the helicopter, and

    2) You are riding with a licensed operator, and

    3) The pilot is qualified and licensed, and

    4) The helicopter is adequately insured.

    There is NO cover if you are operating the helicopter or taking helicopter flying lessons.

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

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  40. What am I covered for in the case of a terrorist attack?

    1) If you are travelling and you are injured or killed in an overseas terrorist attack, you still have Medical cover, provided you are not in a country or region that has a ‘Reconsider your need to travel’ or ‘Do not travel’ rating issued by the Australian government, prior to your arrival in that country or region.

    2) If a terrorist attack occurs or there is a threat of a terrorist attack AFTER you buy your policy AND a ‘Reconsider your need to travel’ or ‘Do not travel’ warning is issued by smartraveller for the destinations you are planning on travelling to, you may be able to claim for the cancellation costs.

    3) If a terrorist attack occurs or there is a threat of a terrorist attack BEFORE you buy your policy AND a ‘Reconsider your need to travel’ or ‘Do not travel’ warning has been issued by smartraveller for the destinations you are planning on travelling to, there is NO cover for any claims related to the terrorist event.

    Note:
    a) If a ‘Reconsider your need to travel’ or ‘Do not travel’ warning has been issued by smartraveller for the destinations you are planning on travelling to, there is NO cover for any claims if you still choose to travel to that destination.
    b) Before travelling to any destination, please make sure that you check the smartraveller travel alerts for the areas within the country that you plan to visit. While a country may have an overall travel warning of 'Exercise normal safety precautions' or 'High degree of caution', there may be areas within that country that have a 'Do not travel' or Reconsider your need to travel' alert. If you travel to an area which has a 'Do not travel' or Reconsider your need to travel' alert, there is NO cover for any claims.

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

    For more information, read our article on Terror events and how they may affect your travel insurance.

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  41. Is Aqua zorbing covered?

    Yes, Aqua zorbing is automatically covered.

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

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  42. Is Archery covered?

    Yes, Archery is automatically covered.

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

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  43. Is Bicycling covered?

    Yes, Bicycling (but not racing, motor cross, BMX, or downhill mountain biking) is automatically covered.

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

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  44. Is Canyon swinging covered?

    Yes, Canyon swinging is automatically covered.

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

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  45. Is Camel, donkey or elephant riding covered?

    Yes, Camel, donkey or elephant riding is automatically covered provided it is done under appropriate supervision.

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

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  46. Is Dancing covered?

    Yes, Dancing is automatically covered.

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

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  47. Is Dog sledding covered?

    Yes, Dog sledding is automatically covered.

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

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  48. Is Diving underwater covered?

    Yes, Diving underwater is automatically covered, provided you are 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).

    You will need to buy the Adventure Pack Add-on if you wish to Dive underwater between 10m and 30m.

    Diving underwater deeper than 30m CANNOT be covered.

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

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  49. Is Fishing covered?

    Yes, Fishing is automatically covered, provided it is on land or within 2 nautical miles of a land mass.

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

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  50. Is Go-karting covered?

    Yes, Go-karting is automatically covered.

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

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  51. Is Golf covered?

    Yes, Golf is automatically covered.

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

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  52. Are Gym activities covered?

    Yes, Gym activities is automatically covered, provided it is NOT power-lifting.

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

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  53. Is Gymnastics covered?

    Yes, Gymnastics is automatically covered, provided it is NOT for a competition.

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

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  54. Is Ice skating on a rink covered?

    Yes, Ice skating on a rink is automatically covered, provided it is NOT for competitive skating, racing, speed skating, and tour skating.

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

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  55. Is Indoor rock climbing covered?

    Yes, Indoor rock climbing is automatically covered, provided it is under appropriate supervision.

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

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  56. Are Leisure activities covered?

    Yes, Leisure activities is automatically covered. Leisure activities means 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.

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

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  57. Is Motorcycle riding covered?

    Yes, Motorcycle riding is automatically covered, provided you have a valid Australian motorcycle licence valid for the same class of motorcycle and a licence valid for the country you are riding in.

    If you hold a Provisional Australian Motorcycle Licence you must comply with the restrictions of this type of license, regardless of the local laws.

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

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  58. Is Scooter riding covered?

    Yes, Scooter riding, where the Scooter engine size is no greater than 50cc, is automatically covered, provided you have a valid Australian drivers licence ands licence valid for the country you are riding in.

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

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  59. Is Moped riding covered?

    Yes, Moped riding, where the moped engine size is no greater than 50cc, is automatically covered, provided you have a valid Australian drivers licence and licence valid for the country you are riding in.

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

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  60. Is Orienteering covered?

    Yes, Orienteering is automatically covered.

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

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  61. Is Paintball covered?

    Yes, Paintball is automatically covered, provided you have eye protection.

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

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  62. Is Racing on foot covered?

    Yes, amateur Racing on foot is automatically covered for distances up to and including full marathon (42.2 kilometres or 26.2 miles).

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

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  63. Are Racquet and ball sports covered?

    Yes, Racquet and ball sports is automatically covered provided it does NOT involve physical contact.

    You will need to buy the Adventure Pack Add-on if you wish to participate in Contact sports (including any form of rugby, Australian Rules football or American football).

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

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  64. Is Regulated or licensed ballooning covered?

    Yes, Regulated or licensed ballooning is automatically covered.

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

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  65. Is Safari covered?

    Yes, Safari is automatically covered, provided it is under appropriate supervision, but NOT hunting.

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

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  66. Is Sailing covered?

    Yes, Sailing is automatically covered up to 10 nautical miles off any land mass.

    You will need to buy the Adventure Pack Add-on if you wish to participate in Sailing from 11 to 15 nautical miles off any land mass, but racing is NOT covered.

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

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  67. Is Shark cage diving covered?

    Yes, Shark cage diving is automatically covered, provided you are 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).

    You will need to buy the Adventure Pack Add-on if you wish to participate in Shark cage diving between 10m and 30m. Shark cage diving more than 30m CANNOT be covered.

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

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  68. Is Shooting covered?

    Yes, Shooting is automatically covered, provided it is for a fixed target only.

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

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  69. Is Skateboarding, roller skating, inline skating covered?

    Yes, Skateboarding, roller skating, inline skating is automatically covered, provided it does NOT include vert skating or acrobatics.

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

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  70. Is Snorkelling covered?

    Yes, Snorkelling is automatically covered.

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

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  71. Is Soccer covered?

    Yes, Soccer is automatically covered.

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

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  72. Are Surface water activities in rivers and rapids covered?

    Yes, Surface water activities in rivers and rapids are automatically covered in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals.

    You will need to buy the Adventure Pack Add-on if you wish to do Surface water activities in rivers or rapids graded IV or V under the International Scale of River difficulty (but not racing).

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

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  73. Are Surface water activities covered?

    Yes, Surface water activities (other than Sailing) is automatically covered up to 2 nautical miles off any land mass.

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

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  74. Are Track and field athletics covered?

    Yes, amateur Track and field athletics is automatically covered.

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

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  75. Is hiking, trekking or tramping covered?

    Yes, hiking, trekking or tramping is automatically covered, provided it is at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).

    You will need to buy the Adventure Pack Add-on if you wish to do do hiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not required.

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

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  76. Are kids covered for free?

    Yes, your own children or grandchildren are covered for free under a Family or Single policy provided they are under the age of 21 and not in full time employment.

    Other children travelling with you and without their parents or grandparents cannot be covered under your family policy, they will need to take out their own policy.

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  77. Do children receive their own luggage benefits?

    No, children covered under a parent or grandparent Single or Family policy do not receive their own luggage benefits.

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  78. Is Canyoning covered?

    No, Canyoning is NOT covered.

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  79. What happens if a country I am travelling to is assigned a 'Reconsider Your Need To Travel' status by the Australian government?

    Your policy does NOT provide cover for claims arising from or associated with travel to countries or parts of a country for which a 'Reconsider Your Need To Travel' or "Do not Travel" warning has been released by the Australian Government Department of Foreign Affairs and Trade or any other government or official body, and where you did not take appropriate action to avoid or minimise any potential claim under your policy.

    Whether or not any cancellation or other costs you may incur as a result of cancelling or postponing your trip following the issue of a 'Reconsider Your Need To Travel' warning are covered by your policy will depend on a number of factors, including (but not limited to):

    a) Whether your travel arrangements are or would be affected by the event or circumstance giving rise to the warning, and

    b) Whether the warning has arisen due to an event that is otherwise excluded from cover under your policy (such as an act of war, disease epidemic, etc).

    In deciding what action to take in response to a 'Reconsider Your Need To Travel' warning, you should carefully consider your policy terms, conditions and exclusions.

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  80. Do I need a motorbike licence if I am riding a quad bike?

    You do not need a motorbike licence if you are riding a quad bike.

    You must be:

    a) Under the direct supervision of a properly licensed recreational organisation; and

    b) You obey all relevant safety codes; and

    c) You wear protective gloves and a motorcycle rider's helmet.

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

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  81. What am I covered for if war breaks out in the country I am visiting?

    Cover is not provided for any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military.

    This is a General Exclusion in our PDS.

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  82. Am I covered for hijacking?

    You have cover for unexpected emergency medical and trip disruption expenses due to a hijack.

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

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  83. What is the meaning of a Dependant?

    For the purposes of our policies, 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.

    Other children travelling (such as nieces, nephews or a friends children) with you who are not your own children or grandchildren need to have a separate policy.

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  84. Are travel money cards covered under my policy?

    Yes, your travel money cards are covered if you purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy.

    There is NO cover for travel money cards for our Domestic Plus and Basics polices.

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  85. What does Recreational all-terrain vehicle mean?

    Means a small, open motor vehicle having three or more wheels fitted with large tyres designed chiefly for recreational use over Roadless terrain. They are sometimes referred to as quad-bikes, trikes or buggies. 

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  86. What does Surface Water activity mean?

    Surface water activities include body boarding, body surfing, paddle boarding, surfing, skim boarding and windsurfing.

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  87. Am I covered for waterskiing?

    You are NOT automatically covered.

    To obtain cover for waterskiing you will need to buy the Adventure Pack Add-on and cover is only available if the activity is done with a licensed operator, you are not competing or racing and you are not doing stunts or jumping off ramps.

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

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  88. Am I covered if I injure myself riding a hoverboard?

    No, you are NOT covered for this activity even if you have taken out the Optional Adventure Pack.

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  89. Am I covered for jetskiing?

    You are NOT automatically covered.

    To obtain cover for jetskiing you will need to buy the Adventure Pack Add-on and cover is only available if the activity is done with a licensed operator, you are not competing or racing and you are not doing stunts or jumping off ramps.

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

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  90. Am I covered for wakeboarding?

    You are NOT automatically covered.

    To obtain cover for wakeboarding you will need to buy the Adventure Pack Add-on and cover is only available if the activity is done with a licensed operator, you are not competing or racing and you are not doing stunts or jumping off ramps.

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

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  91. What is considered specialist climbing equipment?

    Specialised climbing equipment can include (but is not limited to) the following items:
    * Crampons to walk over snow or ice,
    * Mountaineering helmet
    * Mountaineering boots
    * Gloves (other than cold weather protection gloves)
    * Avalanche beacons
    * Climbing using guides or ropes or rock climbing equipment
    * Use of oxygen
    * Carabiner – locking and non-locking types
    * Belay device
    * Rappel devices (descenders)
    * Ice axe
    * Spinner leashes (minimise the consequences of accidentally dropping a tool)
    * Anchor
    * Climbing Harness
    * Probe

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  92. Am I covered for hiking up to Everest Base Camp?

    You are NOT automatically covered.
    To obtain cover for hiking up to Everest Base Camp you will need to buy the Adventure Pack Add-on. This includes cover for altitude sickness and medical evacuation from the mountain if required.
    Cover is subject to the policy terms, conditions, limits and exclusions.

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  93. What does 'Cruise Pac & Dom' mean?

    "Cruise Pac & Dom" means that you would be covered for both land and sea or ocean travel in the Pacific and Domestic region.

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  94. Why is your company age limit for dependants 21 and not 25 like some other companies?

    The type and level of cover provided varies between different travel insurance companies, and this includes the age limit for policies.

    Please ensure that when considering a travel insurance policy, you read the company's Product Disclosure Statement to see if the policy is appropriate for the type of travel that you are doing.

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  95. Why have you changed underwriters

    At Fast Cover, we are always looking to partner with who we believe can provide the best for our travellers.
    We want to provide our travellers with value for money. This means great cover for a great price and giving you the peace of mind that we will be there to help you if the unexpected happens.

    Fast Cover is all about being fast and simple, so we've partnered with Hollard who will help us to provide:
    1) A simpler and fast claims process;
    2) A simpler travel insurance process from when you buy a policy, to the PDS which we make as easy to read as possible;
    3) A new simpler system which allows us to answer the phone quicker for new policies, claims and emergency situations;
    4) Clear and helpful information about what to do in emergency situations or when an event affects your trip such as a volcanic ash cloud or political instability.

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  96. Why don't you have a reverse charge number

    Reverse charge phone calls don't work in some countries. You can claim the cost of the phone call to Emergency Assistance with your claim.

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  97. Does public liability cover apply when renting a vehicle?

    No, public liability cover is not applicable if you are operating a motor vehicle. You should check the insurance that you have with the car rental company if this is covered under their insurance.

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  98. What medical cover do I have for Fraser Island?

    There is no medical cover under your travel insurance policy if you are travelling to Fraser Island, as it is in the Domestic region. There are medical facilities on the island, however you should contact your accommodation or tour provider  to find out what the procedure that you need to follow should you require medical or hospital treatment.

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  99. Am I covered if I am refereeing touch football?

    You are NOT automatically covered.

    To obtain cover for refereeing competitive touch football or any type of contact sport, you will need to buy the Adventure Pack Add-on.

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

    To ensure that you select the right insurance for your holiday, you should also check the insurance requirements for the competition or tournament that you will be refereeing in.

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  100. Do you cover ransoms for kidnapping?

    No, there is no cover for ransoms.

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  101. If I am able to come home and return overseas on my 12 month Single trip policy, what is the difference between a Frequent Traveller Saver and Single trip policy?

    A Frequent Traveller Saver policy is suitable for travellers who plan to travel a few times in a 12 month period. The policy allows you to choose the maximum number of days you will be away for, and you are also automatically covered for cruising.

    The level of cover provided by the Frequent Traveller Saver policy is equivalent to our Comprehensive policies, which is our top level of cover. However, the Cancellation cover on the Frequent Traveller Saver policy only starts on the date that you have specified on your policy, not on the policy purchase date (unless you specify the purchase date as the date that you wish for the policy to commence).

    You can tailor Frequent Traveller Saver policies to suit your trip, however, there is no option to add on Snow cover for overseas travel.

    If you have a Frequent Traveller Saver policy but one of your international trips involves snow sports, you will need to take out a separate Single trip Snow Sports policy for that holiday.

    Our Single Trip policies provide cover for one trip, allow you to return home within the period specified on your policy and there is no limit on how long you can be away for. There are 3 levels of cover available for SIngle trip policies: Comprehensive, Standard Saver and Basics. You can tailor your Single trip policy to suit the type of trip that you will be taking, including adding on Cruise or Snow cover.

    The price for the Frequent Traveller and Single trip policies vary depending on where you are travelling, how long you will be away for and the type of activities that you will be doing. You can compare the prices for our policies and find one that suits your travel by going online at fastcover.com.au or give us a call on 1300 409 322 and we would be happy to help.

    For further information on the policy that suits your type of holiday, read our PDS.

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  102. I have a health insurance policy from an overseas company. Does this qualify as a travel insurance policy and satisfy your conditions regarding purchasing your Already Overseas policy?

    No, a local health policy does not quality as a travel insurance policy, and hence does not satisfy our conditions regarding purchasing an Already Overseas policy.

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  103. I am hiring a tuk tuk to drive around Sri Lanka. is this covered?

    No, you are not covered to drive a tuk tuk.

    You are only covered to be a passenger in a commercially operated tuk tuk. The tuk tuk cannot be driven by you or your travelling companions.

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  104. If I have a problem with my wisdom teeth while I'm away, is this covered?

    If you have an existing problem or are aware of any problems with your wisdom teeth, this would be considered a pre-existing medical condition for which we would NOT be able to cover for.

    If you are not aware of any issues with your wisdom teeth, and you unexpectedly have a problem with your wisdom teeth while you are overseas, there is cover under the Overseas Emergency Dental benefit for this situation.

    The amount that you can claim for depends on the policy that you have taken out.
    The Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies provide cover up to $1000. The Standard Saver policy provides cover up to $750, and the Basics policy provides cover up to $500.

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

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  105. What should I do if I am in jail

    You should:
    1) Find a local lawyer as soon as you can
    2) Contact the local embassy or consulate http://dfat.gov.au/about-us/our-locations/missions/pages/our-embassies-and-consulates-overseas.aspx
    3) Contact the Department of Foreign Affairs and Trade DFAT http://smartraveller.gov.au/help/Pages/default.aspx

    Please note that when you are overseas, the local laws and penalties apply to you. The Australian Government can't override the local law.

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  106. What should I do if I require legal assistance?

    You should:
    1) Find a local lawyer as soon as you can
    2) Contact the local embassy or consulate http://dfat.gov.au/about-us/our-locations/missions/pages/our-embassies-and-consulates-overseas.aspx
    3) Contact the Department of Foreign Affairs and Trade DFAT http://smartraveller.gov.au/help/Pages/default.aspx

    Please note that when you are overseas, the local laws and penalties apply to you. The Australian Government can't override the local law.

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  107. Am I covered if I injure myself riding a motorcycle?

    Yes, you will have cover if you are injured while riding a motorcycle, provided:
    1) You have a valid Australian motorcycle licence
    2) A licence valid for the country you are riding in
    3) You were wearing a helmet
    4) You were riding responsibly and complying with local laws

    Please note that the motorcycle itself is not covered under your policy.

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

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  108. Is water abseiling covered?

    No, water abseiling is not covered.

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  109. Is bouldering covered?

    No , bouldering is not covered.

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  110. Am I covered as a passenger on a motorcycle?

    Yes, if the main rider is licenced for the class of motorcycle being ridden, AND has a licence valid for the country you are riding in.

    You must ride responsibly and comply with local laws

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

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  111. If I go hiking and can't get back, am I covered to be evacuated back to a safer location?

    If you are not able to get back from your hike due to a medical or life threatening situation, you would be covered to be evacuated to a hospital or safer location. Please contact the Emergency Assistance team, who will be able to assist you and organise evacuation if required.

    If your circumstances are not due to a medical or life threatening condition, the Emergency Assistance team will review your situation and determine whether evaucation is necessary.

    All claims are assessed on a case by case basis and will depend on your particular circumstances.

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

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  112. Am I covered if there is an airport strike?

    Yes, there is cover if your travel is disrupted due to an airport strike, provided it was not a known event at the time that you purchased your policy.

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

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  113. What is the difference between a delay and a disruption?

    For the purposes of our policies:


    A Delay is a temporary situation where you are not able to board your booked transport to get you to where you need to be, due to circumstances outside of your control. For example: a natural disaster prevents your aeroplane from leaving.

    A Disruption occurs when you are unable to continue travelling or your trip is shortened due to circumstances outside of your control. For example: sickness or injury to yourself or family members back home, natural disaster prevents you from travelling further or your passport or travel documents are lost or stolen.

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  114. Am I covered if I am on a KITAS residence visa?

    Yes, our policies cover for working holidays.

    Please note that if you apply for a KITAS residence visa and it is declined, which means you are unable to leave for your trip or have to return to Australia, there is no cover under your policy for this situation.

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  115. Is spear fishing covered?

    No, spear fishing is not covered under our policies.

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  116. When do I have to pay the excess?

    You would only need to pay an excess if you have to make a claim.
    The amount of excess you need to pay will depend on the excess amount that you selected at the time of policy purchase, and will usually be deducted from your claim payout.

    If you paid an additional fee at the time of policy purchase to reduce your Standard excess to $0, then you do not have to pay an excess when you make a claim.

    Already Overseas policies:
    The excess for already overseas policies is $500. It is NOT possible to reduce or remove this excess.

    Medical Excess:
    For travellers aged 80 - 89, a $2,000 medical excess applies for all claims arising from, related to or associated with an injury or sickness.

    For travellers aged 90 - 99, a $5,000 medical excess applies for all claims arising from, related to or associated with an injury or sickness.

    It is NOT possible to reduce or remove the medical excess for travellers aged 80 and over.

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  117. Do you cover trikes?

    Yes, riding trikes is covered under our policies provided you:
    1) Have a current Australian motorcycle licence, and
    2) A motorcycle licence valid for the country that you are riding in, and
    3) Are under the direct supervision of a properly licensed recreational organisation, and
    4) Are obeying all relevant safety codes, and
    5) Are wearing protective gloves and a motorcycle rider's helmet

    If you hold a Provisional Australian Motorcycle licence you must comply with the restrictions of this type of licence, regardless of the local laws.

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

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Call us

1300 409 322

Email us

info@fastcover.com.au

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Please refer to the Product Disclosure Statement for full terms and conditions including limits and exclusions of the insurance policy.

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