FAQ Search

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.

Frequently Asked Questions about "rental"

  1. Do I still need to buy Rental Vehicle insurance if I am covered by your Rental Vehicle Excess cover?

    Yes, Rental Vehicle Excess cover does NOT take the place of car rental insurance. You still need to buy car rental insurance. The Rental Vehicle Excess cover ONLY covers the 'Excess' component of your car rental insurance up to a maximum of your nominated amount.

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  2. What is Rental Vehicle Excess Cover?

    The Rental Vehicle Excess cover on your policy pays the excess charged by your Rental Vehicle company should you have an accident and need to claim. This benefit DOES NOT replace the Rental Vehicle insurance that you need to take out with your Rental Vehicle company. It only covers the EXCESS component of that insurance up to your nominated amount. For instance, if you have an accident, and the cost is $10,000 to repair the vehicle, and your rental vehicle company charges you a $3,000 excess. Your policy will pay this excess, up to a maximum of your nominated amount.

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  3. What is 'Rental Vehicle Insurance Excess'?

    You only have this cover if you chose the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. 

    Important cover conditions 

    • You only have this benefit if you purchased the optional Rental Vehicle Excess cover in connection with an eligible policy. The amount of your cover will be listed on your Certificate of Insurance. 
    • This cover does not take the place of rental vehicle insurance and only provides cover for the excess component that you become liable to pay in the event of collision or theft.

    We will pay:

    • Up to the amount listed on your Certificate to reimburse the rental vehicle insurance excess or the cost of repairing the vehicle, whichever is the lesser, if a rental vehicle you have rented from a licensed rental company during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody. You must provide a copy of the repair account and/or quote. There is no cover relating to any other costs, including the costs to independently fix the damage.
    • Up to $500 for the cost of returning your rental vehicle to the nearest depot if your attending medical practitioner certifies in writing that you are unfit to do so during your trip.

    We will not pay any claim or loss: 

    • For the theft or damage to your rental vehicle if:
      • the rental vehicle is operated or used in violation of the rental agreement, including by any person not designated in the rental vehicle contract as an authorised driver and by any person not named on your Certificate of Insurance;
      • you were operating the rental vehicle while affected by alcohol or any other drug in a way that is against the law of the place you are in;
      • you were operating the rental vehicle without a licence for the purpose that you were using it; or o the vehicle does not meet the definition of rental vehicle in this policy.

    Please also read the General Exclusions that apply to all benefits in the PDS

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  4. How many times can I use the Rental vehicle excess benefit?

    You can claim on your Rental Vehicle Excess benefit as many times as you like up to the maximum value ($5000 or $8000) that you have chosen.

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  5. Are campervans or motorhomes covered under Rental Vehicle Excess?

    Yes, campervans and motorhomes are covered under the Rental Vehicle Excess benefit as long as it does not exceed 4.5 tonnes and is rented from a licensed motor vehicle rental company.

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  6. Do the policies automatically cover for Rental Vehicle Insurance Excess?

    Your policy does not automatically provide cover under Policy Benefit 19 Rental Vehicle Excess of the PDS for the Comprehensive Plus, Standard Saver, Snow Sports Plus and Frequent Traveller Saver policies.

    If you require cover under Policy Benefit 19 for these policies you must select, from either $5000 or $8000 and pay an additional premium at the time you purchase your policy.

    The benefit limit purchased by you will be shown on your Certificate of Insurance.

    The Rental Vehicle Excess for the Domestic Plus policy is $5000 and cannot be increased.

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  7. What does 'Rental Vehicle' mean in the PDS?

    'Rental Vehicle' means a campervan/ motorhome that does not exceed 4.5 tonnes, a sedan, hatchback or station wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company.

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  8. If I hire an SUV, can I take out rental vehicle insurance excess cover?

    Yes, you can take out rental vehicle insurance excess cover if you will be hiring an SUV.

    Ensure that the SUV has facilities for you to be able to store your luggage out of sight, like a lockable boot or parcel shelf. If you store your luggage in your SUV (or any vehicle) where it is visible to the public and the luggage is stolen, your claim may be denied.

    Please note that this benefit DOES NOT replace the Rental Vehicle insurance that you need to take out with your Rental Vehicle company. It only covers the EXCESS component of that insurance up to your nominated amount.

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  9. How much am I covered for Rental Vehicle Excess?

    Benefit Limits for Rental Vehicle Excess:

    Comprehensive: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    Standard Saver: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    Basics: No option to add Rental Vehicle Insurance Excess

    Domestic Plus: Up to $5000

    Frequent Traveller Saver: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    Snow Sports Plus: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  10. Am I covered if I drive a friend's car when I'm overseas?

    No. Your policy only covers Rental Vehicles. You should check with your friend's car insurance company about their cover.

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  11. 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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  12. Am I covered for Collision Waiver Insurance?

    Our policies cover for the Rental Vehicle Insurance Excess portion of the Rental Vehicle Insurance that you need to take out with your car hire company.

    If your charges are classisfied by the car hire company as part of your rental vehicle excess, then you would be able to claim for those expenses.

    If the charges are not classified as part of your excess and are separate charges, then you would not be able to claim for those expenses.

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  13. 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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  14. 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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  15. What policy type do I need to take out for my holiday?

    You can choose one of the following Policy types:

    Single

    Covers you and your dependants travelling with you.  Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.  

    Duo

    Covers you and your nominated travelling companion listed in the Certificate of Insurance. You must be travelling on the same itinerary for 75% of your trip. Duo policies do not provide cover for dependants. We issue one Certificate of Insurance, however, you both have cover as if you are each insured under separate policies with Single benefit limits* per insured person.  

    * Except for Benefit 19 – Rental Vehicle Excess 

    Family

    Covers you, your spouse or partner, and dependant children travelling with you.  Dependant children may be your children or your grandchildren.

    The benefit limits for Family Policies is equal to double the Single policy benefit limit*, and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance. 

     

    * The benefit limit is not doubled for the following benefits and optional covers: 

    •       Benefit 13 – Theft of Cash

    •       Benefit 18 – Personal Liability

    •       Benefit 19 – Rental Vehicle Excess

    •       Benefit 23 – Snow Resort Closure

    •       Benefit 26 – Bicycle Pack

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  16. What's the differences between Standard Saver and Comprehensive travel insurance?

    Our Comprehensive policies provide you with more cover for your trip. You will be covered for Unlimited Medical and Trip Cancellations Costs, Luggage and Personal Effects, Alternative Transport Expenses and Travel Delays. The benefit limits are also higher compared to the Standard Saver policy.

    Our Standard Saver Policies will cover you for Unlimited Medical, Trip Cancellations Costs and Luggage and Personal Effects.

    Both policies are also flexible and depending on which policy you take, allows you to increase cover for specified high value items, add on additional options like Rental Vehicle Excess, Golf Pack, Bicycle Pack and Adventure Pack.

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  17. What is the Domestic Plus policy and what does it cover?

    The Domestic policy is for trips taken within Australia where you will more than 200kms from your home.

    The Domestic policy provides cover for unexpected: cancellation, lost/damaged/stolen luggage and personal effects, travel delays, rental vehicle excess cover up to $5000, accidental death and personal liability.

    The Domestic policy is not applicable if you are taking a cruise in Australian waters. For cruises in Australian waters, you will need the Comprehensive, Standard Saver, Snow Sports Plus, Basics or Frequent Traveller Saver policies.

    The Domestic policy can also be tailored to suit your trip.

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

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  18. Which travel insurance policy is best for me?

    You should find a policy that suits the type of trip that you are taking. Are you cruising? Hiring a rental vehicle? Concerned about travel delays or missing your flight connection? These type of questions will help you to choose the policy that's right for you.

    If you need further assistance, our FAQs may help you further, or send our travel specialists a message to info@fastcover.com.au or call us on 1300 409 355.

    Please remember, these FAQs should be read in conjunction with our Product Disclosure Statement (PDS) so that you can make an informed choice about your travel insurance. Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS to ensure that it is suitable to you

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  19. What are your direct deposit details?

    Our Direct Deposit details are:

    Account Name: Fast Cover Travel Insurance

    Account Number: 439 945 377 BSB: 012 110 (ANZ)

    Deposit Reference: Your Quote Number or Last Name

     

     

    After you have made the direct deposit, please contact us on info@fastcover.com.au or 1300 409 322 with the following details:

    1) The deposit amount and deposit date

    2) The policy you would like to purchase and any additional options available for that policy type (for example: excess reduction, adventure pack, rental vehicle insurance excess pr extra cover for valuable items)

    3) Your details: full name, date of birth, address (P.O. Box is fine), email address and contact phone number)

    We can then process your policy and issue you with a policy certificate.

    Please note that policies can only be issued once the direct deposit payment has been confirmed by Fast Cover.

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  20. What are my choices regarding cover for my holiday?

    Under the policy, you choose the cover you require based on your travel arrangements and your cover type depends on the type of cover you want and are eligible to purchase.

    1) You can choose one of the following cover types:

    Single

    Covers you and your dependants travelling with you.  Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.  

    Duo

    Covers you and your nominated travelling companion listed in the Certificate of Insurance. You must be travelling on the same itinerary for 75% of your trip. Duo policies do not provide cover for dependants. We issue one Certificate of Insurance, however, you both have cover as if you are each insured under separate policies with Single benefit limits* per insured person.  

    * Except for Benefit 19 – Rental Vehicle Excess 

    Family

    Covers you, your spouse or partner, and dependant children travelling with you.  Dependant children may be your children or your grandchildren.

    The benefit limits for Family Policies is equal to double the Single policy benefit limit*, and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance. 

     

    * The benefit limit is not doubled for the following benefits and optional covers: 

    •       Benefit 13 – Theft of Cash

    •       Benefit 18 – Personal Liability

    •       Benefit 19 – Rental Vehicle Excess

    •       Benefit 23 – Snow Resort Closure

    •       Benefit 26 – Bicycle Pack

     

    2) Policies and Optional Covers you can purchase

    Comprehensive & Standard Saver

    Available to travellers of all ages if purchased before departing Australia.

    Available to travellers aged 74 years and under at time of purchase if purchased after departing Australia. 

    Basics

    Available to travellers of all ages if purchased before departing Australia.

    Domestic Plus

    Available to travellers of all ages.

    Snow Sports Plus 

    Available to travellers aged 69 years and under at time of purchase.

    Frequent Traveller Saver

    Available to travellers aged 64 years and under at time of purchase.

    Adventure Pack

    Available to travellers aged 74 years or under at time of purchase (Check PDS for eligible policy types).

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  21. What is the excess for the Comprehensive, Standard Saver, Basics, Frequent Traveller Saver & Snow Sports Plus policies?

    For the Comprehensive, Standard Saver, Basics, Frequent Traveller Saver & Snow Sports Plus policies:

    We will not pay the first $200 for any one event under the following Benefit Sections* of the PDS:

    • Benefit 1 - 24/7 Emergency Medical Assistance
    • Benefit 2 - Emergency Medical & Hospital Expenses
    • Benefit 3 - Emergency Dental
    • Benefit 4 - Overseas Emergency Evacuation
    • Benefit 5 - Trip Cancellation Expenses
    • Benefit 6 - Trip Disruption Expenses
    • Benefit 7 - Trip Resumption Expenses
    • Benefit 14 - Luggage and Personal Effects
    • Benefit 15 - Delay of Luggage and Personal Effects
    • Benefit 17 - Alternative Transport Expenses
    • Benefit 18 - Personal Liability
    • Benefit 19 - Rental Vehicle Insurance Excess
    • Benefit 20 - Snow Sport Equipment
    • Benefit 21 - Snow Equipment Replacement Hire
    • Benefit 22 - Snow Prepaid Expenses
    • Benefit 23 - Snow Resort Closure
    • Benefit 24 - Adventure Pack
    • Benefit 25 - Golf Pack
    • Benefit 26 - Bicycle Pack

    A NIL excess applies to all other Policy Sections.

    *Refer to the 'Benefit Summary' of the PDS for details of which Benefits are available under each Policy.

    You can remove the standard $200 excess or reduce the excess amount to $100 by paying an additional premium.

    A Medical Excess applies to travellers aged 80 and over.

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  22. What is covered under 'Luggage and personal effects'?

    You have this cover if you chose the Comprehensive, Standard Saver, Snow Sports Plus, Domestic, Frequent Traveller Saver and Basics (optional add-on) policies.

    PLEASE NOTE: for the purpose of this Benefit in the PDS:

    • 'specified items' refers to luggage and personal effects that have been listed as covered on your Certificate of Insurance with a nominated sum insured
    • 'unspecified items' refers to luggage and personal effects that have not been listed as covered on your Certificate of Insurance with a nominated sum insured.

    We will pay:

    • Up to the limits set out in the Benefit Summary above, if during your trip, an item of your luggage and personal effects is permanently lost, stolen or accidentally damaged, we will, at our option:
      o Repair the item
      o Replace the item, or
      o Pay you the amount it would cost us to repair or replace the item.

      Subject to the item sub limits set out on the Benefit Summary above, the most we will pay is the
      original purchase price of the item less any depreciation that applies. Depreciation will be calculated
      as detailed under the heading Depreciation in the PDS.


    No depreciation will be applied to luggage and personal effects purchased duty free prior to your
    departure, luggage and personal effects purchased during your trip, or Specified High Value Items
    listed on your Certificate of Insurance.

    Where an item is part of a pair or set, we will pay no more than the value of the lost, damaged or
    stolen part, regardless of any special value that the item may have had as part of a pair or set.

    A pair or related set of items are considered as only one item and the appropriate single item limit will
    be applied. For example, but not limited to:
    o a camera, lenses (attached or not), tripod and accessories; or
    o a matching pair of earrings.

    The most we will pay if your luggage and personal effects are stolen from the locked boot or from a locked storage compartment of an unattended motor vehicle during daylight hours is $200 for each item, and $2,000 in total for all stolen items, even if you have purchased Specified High Value Item Cover.

    We will not pay:

    • If your luggage and personal effects were left unsupervised in a public place.
      • If the loss, theft or damage is to items left behind in any accommodation, hotel or motel room after you have checked out or items left behind in any aircraft, cruise ship, ferry, train, tram, taxi or bus or rental vehicle.
      • For the loss, theft, or damage of jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories that were transported in the cargo hold of any carrier.
      • For the loss, theft or damage of jewellery, watches, mobile phones, cash, bank cards or travel documents not carried on your person when using transport providers.
      • If your jewellery, watches, mobile phones, camera, video camera, personal computer, computer equipment, are lost or stolen from your accommodation where a safe or locker has been provided and you fail to use it.
      • If the luggage and personal effects were left during the daylight hours in an unattended motor vehicle, unless they were locked in the boot or in a locked storage compartment.
      • If the luggage and personal effects were left in an unattended motor vehicle overnight, even if they were locked in the boot or in a locked storage compartment.
      • If the luggage and personal effects were left with a motorcycle, moped or scooter, even if they were locked in a locked storage compartment.
      • If the luggage and personal effects were being sent unaccompanied or by post, courier or under a freight contract.
      • If your jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories are transported in the cargo hold of any aircraft, cruise ship, ferry, train, tram or bus.
      • If you do not report the loss, theft or misplacement of the luggage and personal effects 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.
      • If the loss relates to a mobile phone or device with phone capabilities and you are unable to supply the IMEI (International Mobile Equipment Identity) number. You are also required to block the IMEI number (by Australian telecommunication providers) of the stolen or lost mobile phone or device. We will not pay if the IMEI has not been blocked.
      • If the loss or damage is to, or of, sporting equipment (including bicycles and surfboards) while in use.
      • The loss, theft or damage is to or of bicycles unless you have purchased the optional Bicycle Cover and it is listed on the Certificate of Insurance.
      • The loss, theft or damage is to household equipment, mobile phone prepaid minutes you have not used, mobile rental charges or payments, motor vehicles and accessories, or items of a perishable nature (meaning items that can decay or rot and will not last for long).
      • The loss, theft or damage is to watercraft of any type (other than surfboards).
      • The loss or damage arises from any process of cleaning, repair or alteration.
      • The loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
      • The loss or damage arises an electrical or mechanical breakdown.
      • If the loss or damage is to, or of, fragile items made of glass or other brittle materials (such as glassware, china, ceramics, pottery, etc) or is an electronic component which is broken or scratched, unless either:
      o it is the lens of spectacles, binoculars or photographic or video equipment; or
      o the breakage or scratch was caused by a crash involving a vehicle in which you were travelling.
      • 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 (allowing for depreciation due to age, wear and tear).
      • For more than the applicable limits set out in the Benefit Summary in the PDS.
      • For damage to a drone while in use or confiscation of a drone by authorities whether in use or not.

     

    Please also read General Exclusions that apply to all benefits in the PDS.

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