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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 vehicle"

  1. 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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  2. 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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  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. 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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  7. 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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  8. 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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  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 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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  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. 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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  13. 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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  14. 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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  15. How much am I covered for If my luggage is stolen from the locked boot or storage compartment of an unattended motor vehicle during daylight hours?

    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.

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  16. 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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  17. 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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  18. 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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  19. 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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  20. 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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  21. 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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  22. 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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  23. What are my choices regarding cover for my holiday?

    Under the policy, you choose the cover you require based on your travel arrangements and you 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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  24. 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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  25. 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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  26. 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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  27. 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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  28. What is 'Snow Sports Equipment' cover?

    You only have this cover if you chose the Snow Sports Plus and Domestic policies.

    Cover under this benefit is subject to the following conditions:

    • There is no cover while snow sports equipment is in use.
    • You must take care to protect and secure your snow sports equipment at all times. This means:
    • You must not leave your snow sports equipment unsupervised or in a public place or unattended at any time in the passenger compartment of a motor vehicle.
    • You must not store your snow sports equipment in a motor vehicle overnight.
    • You must, when you are transporting your snow sports equipment by aircraft, securely pack it in a ski or snowboard case or other container designed for snow sports equipment.
    • You must, when you are transporting your snow sports equipment by motor vehicle, only place it in the locked boot or locked storage compartment and obscured from view.
    • Limits apply if your snow sports equipment is stolen from a motor vehicle while it is unoccupied.
    • Where a claim is for the loss or theft of, or damage to, snow sports equipment, you must:
    • report the loss or theft 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 or theft occurred.
    • provided us a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.

    We will pay:

    • Up to the limits set out in the Benefit Summary above, if during your trip, snow sports equipment owned by you is permanently lost, stolen, accidentally damaged, we will, at our option:
      • Repair the item
      • Replace the item, or
      • Pay you the amount it would cost us to repair or replace the item.

     

    Subject to the limits shown in the Benefit Summary of the PDS, 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 snow sports equipment purchased duty free prior to your departure, snow sports equipment purchased during your trip.

    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.

     

    If your snow sports equipment is stolen from an unoccupied motor vehicle then the most we will pay under any circumstances is $200 for each item, pair or set, and $1,000 in total for all stolen items.

     

    We will not pay if:

    • The loss or damage is to, or of, snow sports equipment while it is in use.
    • The snow sports equipment was left unsupervised in a public place.
    • If you leave your snow sports equipment in any aircraft, ship, train, tram, taxi or bus or in any hotel or motel room after you have checked out.
    • If the snow sports equipment was left unattended in a motor vehicle, unless it was left in the locked boot or locked storage compartment of a motor vehicle and obscured from view.
    • If the snow sports equipment was left overnight in a motor vehicle, even if it was left in the locked boot or locked storage compartment of a motor vehicle and obscured from view.
    • If the snow sports equipment was being sent unaccompanied or under a freight contract.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
    • If the snow sports equipment suffers an electrical or mechanical breakdown.
    • If 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).
    • If you do not report the loss, theft or damage 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 damage occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.
    • For more than the applicable limits set out in the Benefit Summary of the PDS.

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

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  29. What is 'Bicycle' cover?

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

    Cover under this benefit is subject to the following conditions:

    • You only have this benefit if you purchased the Bicycle Pack in connection with an eligible policy.
    • There is no cover while a bicycle is in use.
    • Your bicycle must be less than 3 years old and have a value of at least $1,500.
    • The most we will pay per bicycle is $5,000 up to $15,000 in total for all bicycles.
    • The most we will pay for bicycle accessories is $750 as luggage and personal effects. You may choose to cover additional bicycle accessories under Specified High Value Items.
    • You must take care to protect and secure your bicycle at all times. This means:
       * You must, whenever your bicycle is unsupervised in a public place, secure the bicycle frame and wheels to a fixed object with an approved lock.
       * You must not store your bicycle outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack).
       * You must, when you are transporting your bicycle by aircraft, securely pack it in a bike case or other container designed for bicycles.
       * You must, when you are transporting your bicycle by motor vehicle, keep it inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • Where a claim is for the loss or theft of, or damage to, a bicycle, you must:
       * report the loss or theft 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 or theft occurred.
       * provide us with a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.
       * provide us with evidence of the broken lock or securing device or forced entry into a locked storage compartment.

    We will pay:

    If, during your trip, a bicycle owned by you is permanently lost, stolen, or accidentally damaged we will at our option:
    • Repair the item; or
    • Replace the item; or
    • Pay you the amount it would cost us to repair or replace the item.


    Subject to the limits shown in the Benefit Summary in the PDS, 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 bicycles purchased duty free prior to your departure or during your trip.


    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.

    We will not pay:

    • If the bicycle is more than 3 years old at the time the Certificate of Insurance was issued.
    • If the bicycle has a value of less than $1,500.
    • If the loss or damage is to, or of, a bicycle while in use.
    • If the bicycle was left unsupervised in a public place unless the bicycle frame and wheels were secured to a fixed object with an approved lock.
    • If the bicycle is damaged while being transported by aircraft and you have not securely packed it in a bike case or other container designed for bicycles.
    • If the bicycle is lost, stolen or damaged while being transported by motor vehicle unless it has been kept inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • If the bicycle is lost, stolen or damaged while stored outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack).
    • If the bicycle has a mechanical, electrical or electronic breakdown.
    • For damage arising from or caused whilst your bicycle is being transported on a motor vehicle mounted bicycle rack.
    • For damage arising from or caused by your bicycle being driven over by a motor vehicle.
    • For scratching or denting or any cosmetic damage that does not impair the function and performance of the bicycle.
    • If you leave your bicycle in any aircraft, cruise ship, ferry, train, tram, taxi or bus, or in any hotel or motel room after you have checked out.
    • For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of Insurance was issued.
    • For crushing, cracking or deformation of your bicycle caused by tightening or clamping.
    • For loss or damage that arises from ordinary wear and tear or deterioration.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from atmospheric or weather conditions, insects, rodents or vermin.
    • If the bicycle was being sent unaccompanied or under a freight contract.
    • If 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). 
    • If you do not report the loss, theft or damage 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 damage occurred. You must prove that you made such report by providing us with a written statement from
    whoever you reported it to.
    • For more than the applicable limits set out in the Benefit Summary in the PDS.


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

     

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  30. What is the Golf Pack?

    You can purchase the Golf Pack under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies by paying an additional premium. You will only have the cover provided n the Golf Pack if you select this option at the time of purchase and you have paid the required additional premium. Please refer to the BENEFIT SUMMARY and the applicable section in of the PDS for details.

    Important cover conditions

    • Cover under this benefit is subject to the following conditions:
    • You only have this benefit if you purchased the Golf Pack in connection with an eligible policy.
    • There is no cover while golf equipment is in use.
    • You must take care to protect and secure your golf equipment at all times. This means:
      • You must not leave your golf equipment unsupervised or in a public place or at any time in the passenger compartment of an unattended motor vehicle.
      • You must not store your golf equipment in a motor vehicle overnight.
      • You must, when you are transporting your golf equipment by aircraft, securely pack it in a case or other container designed for golf equipment.
      • You must, when you are transporting your golf equipment by motor vehicle, only place it in the locked boot or locked storage compartment and obscured from view.
    • The limits set out in the Benefit Summary in the PDS apply to all claims in total under this benefit.
    • Where a claim is for the loss or theft of, or damage to, golf equipment, you must: o report the loss or theft 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 or theft occurred. o provided us a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.

    We will pay:

    • Up to the limits set out in the Benefit Summary in the PDS, If you are injured or become sick during your trip and are unable to play golf, we will pay the value of any unused, non-refundable, pre-paid green fees. You must provide us with written confirmation from your medical practitioner of the nature of your injury or sickness.

    If, during your trip, golf equipment owned by you is permanently lost, stolen or accidentally damaged, we will, at our option:

    • Repair the item
    • Replace the item, or
    • Pay you the amount it would cost us to repair or replace the item.

    Subject to the limits set out in the Benefit Summary in the PDS, 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 of the PDS. No depreciation will be applied to golf equipment purchased duty free prior to your departure, golf equipment purchased during your trip.

    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. If your golf equipment is stolen from an unoccupied motor vehicle then the most we will pay under any circumstances is $200 for each item, pair or set, and $1,000 in total for all stolen items.

    • We will reimburse you, up to the limits set out in the Benefit Summary in the PDS, for the costs of hiring alternative golf equipment that is necessary to continue with your original itinerary if:
      • we approve a claim by you under this Golf Pack for accidental loss, theft of, or damage to golf equipment owned by you; or
      • Golf equipment owned by you has been misdirected or delayed for a period of more than 24 hours.
    • We will also reimburse you the golf equipment hire insurance excess if you have chosen and paid for golf equipment hire cover from the hire company or agency and you are charged an excess following the loss of, or damage to the golf equipment hired by you.

    We will not pay:

    • If the loss or damage is to, or of, golf equipment while it is in use.
    • If the golf equipment was left unsupervised in a public place.
    • If you leave your golf equipment in any aircraft, cruise ship, ferry, train, tram, taxi or bus, or in any hotel or motel room after you have checked out.
    • If the golf equipment was left in an unattended a motor vehicle, unless it was left in the locked boot or locked storage compartment of a motor vehicle and obscured from view.
    • If the golf equipment was left overnight in a motor vehicle, even if it was left in the locked boot or locked storage compartment of a motor vehicle.
    • If the golf equipment was being sent unaccompanied or under a freight contract.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
    • If the golf equipment suffers an electrical or mechanical breakdown.
    • If 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).
    • If you do not report the loss, theft or damage 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 damage occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.
    • For more than the applicable limit set out in the Benefit Summary of the PDS.

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

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  31. What is the Bicycle Pack?

    No cover is provided for bicycles under Benefit 14 (Luggage & Personal Effects) of the PDS and bicycles are not insured by your policy, unless the BICYCLE PACK is purchased under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. You will only have cover under Benefit 26 (Bicycles Pack) of the PDS if you select this option at the time of purchase and you have paid the required additional premium.

    Important cover conditions 

    Cover under this benefit is subject to the following conditions:

    • You only have this benefit if you purchased the Bicycle Pack in connection with an eligible policy.
    • There is no cover while a bicycle is in use.
    • Your bicycle must be less than 3 years old and have a value of at least $1,500.
    • The most we will pay per bicycle is $5,000 up to $15,000 in total for all bicycles.
    • The most we will pay for bicycle accessories is $750 as luggage and personal effects. You may choose to cover additional bicycle accessories under Specified High Value Items. 
    • You must take care to protect and secure your bicycle at all times. This means:
      • You must, whenever your bicycle is unsupervised in a public place, secure the bicycle frame and wheels to a fixed object with an approved lock. o You must not store your bicycle outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack). o You must, when you are transporting your bicycle by aircraft, securely pack it in a bike case or other container designed for bicycles.
      • You must, when you are transporting your bicycle by motor vehicle, keep it inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • Where a claim is for the loss or theft of, or damage to, a bicycle, you must:
      • report the loss or theft 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 or theft occurred.
      • provided us a copy of the written report to the police or office of the bus line, airline, shipping line or an office of the bus line, airline, shipping line or rail authority you were travelling on.
      • provide us evidence of the broken lock or securing device or forced entry into a locked storage compartment.

    We will pay:

    If, during your trip, a bicycle owned by you is permanently lost, stolen, or accidentally damaged we will at our option:

    • Repair the item
    • Replace the item, or
    • Pay you the amount it would cost us to repair or replace the item.

    Subject to the limits shown in the Benefit Summary of the PDS, 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 bicycles purchased duty free prior to your departure or during your trip.

    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.

    We will not pay:

    • If the bicycle is more than 3 years old at the time the Certificate of Insurance was issued.
    • If the bicycle has a value of less than $1,500.
    • If the loss or damage is to, or of, a bicycle while in use.
    • If the bicycle was left unsupervised in a public place unless the bicycle frame and wheels were secured to a fixed object with an approved lock.
    • If the bicycle is damaged while being transported by aircraft and you have not securely packed it in a bike case or other container designed for bicycles.
    • If the bicycle is lost, stolen or damaged while being transported by motor vehicle unless it has been kept inside the locked vehicle or locked storage compartment and obscured from view, or locked and secured to a properly fixed bicycle rack via the lockable security provision of the bicycle rack.
    • If the bicycle is lost, stolen or damaged while stored outside overnight (including in a motor vehicle, in a locked storage compartment, or on a bicycle rack).
    • If the bicycle has a mechanical, electrical or electronic breakdown.
    • For damage arising from or caused whilst your bicycle is being transported on a motor vehicle mounted bicycle rack.
    • For damage arising from or caused by your bicycle being driven over by a motor vehicle. For scratching or denting or any cosmetic damage that does not impair the function and performance of the bicycle.
    • If you leave your bicycle in any aircraft, cruise ship, ferry, train, tram, taxi or bus, or in any hotel or motel room after you have checked out.
    • For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of Insurance was issued.
    • For crushing, cracking or deformation of your bicycle caused by tightening or clamping.
    • For loss or damage that arises from ordinary wear and tear or deterioration.
    • If the loss or damage arises from any process of cleaning, repair or alteration.
    • If the loss or damage arises from atmospheric or weather conditions, insects, rodents or vermin.
    • If the bicycle was being sent unaccompanied or under a freight contract.
    • If 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).
    • If you do not report the loss, theft or damage 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 damage occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.

    For more than the applicable limits set out in the Benefit Summary in the PDS. Please also read General Exclusions that apply to all benefits in the PDS.

     

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  32. What is 'Personal liability' cover?

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

    Important cover conditions

    Cover under this benefit is subject to the following conditions: You must not admit fault or liability for the claim, or incur any legal costs without our prior written approval.

    We will pay:

    • Your legal liability, up to the limits set out in the Benefit Summary above, for payment of compensation in respect of:
      o death or bodily injury; and/or
      o physical loss of, or damage to, property
      which is caused by an accident or a series of accidents attributable to one source or originating cause
      that occurs during your trip.
    • Your reasonable legal expenses, up to the limits set out in the Benefit Summary of the PDS, for settling or
      defending the above claim made against you where the claim is covered by the policy.

    We will not pay:

    For anything you have to pay because of a legal claim against you for causing bodily injury, death or loss or damage to, or of, property, if the claim arises out of or is for:
    • Injury to you, your travelling companion, or to a relative or employee of either of you.
    • Damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, your relative, or your travelling companion, or to an employee of either of you.
    • The ownership, custody or use of any firearm or weapon, aerial device, watercraft or mechanically propelled vehicle.


    Important Cover Conditions
    Cover under this benefit is subject to the following conditions:
    You must not admit fault or liability for the claim, or incur any legal costs without our prior written approval.

    For anything you have to pay because of a legal claim against you for causing bodily injury, death or loss or damage to, or of, property, if the claim arises out of or is for:

    • Injury to you, your travelling companion, or to a relative or employee of either of you.
    • Damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, your relative, or your travelling companion, or to an employee of either of you.
    • The ownership, custody or use of any firearm or weapon, aerial device, watercraft or mechanically propelled vehicle.
    • The conduct of a business, profession or trade.
    • Any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under workers’ compensation legislation, an industrial award or agreement, or accident
      compensation legislation.
    • Any fine or penalty or aggravated, punitive, exemplary, liquidated damages and any other damages resulting from the multiplication of compensatory damages.
    • Disease that is transmitted by you.
    • Any relief or recovery other than monetary amounts.
    • A contract that imposes on you a liability which you would not otherwise have;
    • Assault and/or battery committed by you or at your direction.
    • Conduct intended to cause injury, property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge, consent or connivance.
    • For more than the applicable limits set out in the Benefit Summary in the PDS.
    • Operation of a drone.

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

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  33. What are the General Exclusions which apply to all policies?

    The following general exclusions apply to all Policy Benefits under Your Policy. These are in addition to any exclusion listed under the individual Policy Benefits of cover.

     

    General Exclusions That Apply To All Benefits

    To the extent permissible by law, we will not pay under any circumstances if:

    1. You do not act in a responsible way to protect yourself and your property.

    2. You not doing everything you can to reduce your loss as much as possible.

    3. Your claim arises from consequential loss of any kind, including but not limited to financial loss, loss of enjoyment, or the devaluation or depreciation of currency.

    4. Your claim arises from you being aware at the time of purchasing the policy of something that would give rise to you making a claim under this policy.

    5. Your claim arises from a loss which is recoverable by compensation under any workers compensation or transport accident laws or by any government sponsored fund, plan, or medical benefit scheme, or any other similar type legislation required to be effected by or under a law.

    6. Your claim arises from errors or omissions in any booking arrangements or failure to obtain relevant visa, passport or travel documents.

    7. Your claim arises from you acting illegally or breaking any government prohibition, laws or regulation including visa requirements.

    8. Your claim arises from a government authority detaining anyone, or confiscating or destroying anything.

    9. Your claim arises from the use of a two-wheeled or three-wheeled motor vehicle unless you as the driver or a passenger are wearing a crash helmet (this is irrespective of the law in the country you are in).

    10. Your claim arises from a you being in control of a motor vehicle without a current Australian driver licence.

    11. Your claim arises from a you being in control of a motorcycle, moped or scooter without a current Australian motorcycle or driver license or you are a passenger travelling on a motorcycle, moped or scooter that is in the control of a person who does not hold a current motorcycle or driver’s licence valid for the country you are travelling in.

    12. Your claim arises from you being in control of a recreational all-terrain vehicle (including but not limited to quad-bikes, trikes and buggies) or are a passenger on a recreational all-terrain vehicle unless you:

    • are under the direct supervision of a properly licensed recreational organisation, and;
    • are obeying all relevant safety codes; and
    • are wearing protective gloves and a motorcycle rider’s helmet

    13. Your claim arises from or is related to or is associated with:

    • an actual or likely epidemic or pandemic; or
    • the threat of an epidemic or pandemic. Refer to who.int and smartraveller.gov.au for further information on epidemics and pandemics.

    14. Your claim arises from a you not following advice in the mass media or any government or other official body’s warning:

    • of a strike, riot, bad weather, civil protest or contagious disease (including an epidemic or pandemic); or
    • against travel to a particular country or parts of a country, including where an advice or warning has been released by the Australian Government Department of Foreign Affairs and Trade indicating “Do not travel” or warning to “Reconsider your need to travel” or otherwise advising against all non-essential travel to or in that location or advising against specific transport arrangements or participation in specific events or activities; and
    • you did not take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel to the country or part of the country referred to in the warning). Refer to who.int and smartraveller.gov.au for further information.

    15. Your claim arises from any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military.

    16. Your claim arises from a nuclear reaction or contamination from nuclear weapons or radioactivity.

    17. Your claim arises from a biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and/or create public fear.

    18. Your claim arises from any search and rescue costs charged to you by a government, regulated authority or private organisation connected with finding and rescuing an individual.

    19. Your claim arises from or is related to or is associated with any Pre-existing Medical Condition, except as described under the heading “Pre-existing Medical Conditions” on pages 24 to 27 of the PDS or to the extent specifically contemplated under Benefit 5 – Trip Cancellation Expenses, Benefit 6 – Trip Disruption Expenses, or Benefit 7 – Trip Resumption Expenses.

    20. Your claim arises from you taking a blood-thinning prescription medication, including but not limited to Warfarin (also known under the brand names Coumadin, Jantoven, Marevan, and Waran).

    21. Your claim arises from or is in respect of travel booked or undertaken against the advice of any medical practitioner.

    22. Your claim arises from any injury or sickness where a diagnosis of metastatic cancer (spreading malignant cancer) was given or terminal prognosis was made prior to the issue of the Certificate of Insurance.

    23. Your claim arises from or is associated with pregnancy, childbirth or related complications except as specified under “Pregnancy” on page 27 of the PDS.

    24. Your claim arises from or involves a hospital where you are being treated for addiction to drugs or alcohol, or are using it as a nursing, convalescent or rehabilitation place.

    25. Your claim arises from or involves the cost of medication in use at the time the trip began or the cost for maintaining a course of treatment you were on prior to the trip.

    26. Your claim arises from or is in any way related to depression, anxiety, stress, mental illness, mental or nervous conditions.

    27. Your claim arises from:

    • your, your spouse or partner, relative or your travelling companion’s suicide or attempted suicide; or
    • your, your spouse or partner, relative or your travelling companion injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).

    28. Your claim arises from a sexually transmitted disease.

    29. Your claim arises directly or indirectly from you, your partner, or your travelling companion using alcohol or drugs (unless the drugs have been prescribed by your medical practitioner).

    30. You, your partner, or your travelling companion are affected by Acquired Immune Deficiency Syndrome (AIDS)or AIDS related complex (ARC) or Human Immunodeficiency Virus (HIV).

    31. Despite our advice otherwise following your call to us, you received private hospital or medical treatment where public funded services or care is available in Australia or under any Reciprocal Health Agreement between the Government of Australia and the government of any other country.

    32. Your claim arises from any medical procedures in relation to AICD/ICD insertion during overseas trip. We will exercise our right to organise a repatriation to Australia for this procedure to be completed if you, your travelling companion or a relative (as listed on your Certificate of Insurance) requires this procedure due to sudden and acute onset which occurs for the first time during your period of insurance and it is not directly or indirectly related to a Pre-existing Medical Condition.

    33. Your claim arises from or is any way related to the death or hospitalisation of any person aged 85 years and over (other than the insured), regardless of the country in which they live.

    34. Your claim arises from or relates to any event or occurrence where providing such cover would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) (as amended or superseded).

    35. Your claim arises from you racing or participating in any race or timed activity (other than on foot).

    36. Your claim arises from you participating in any snow sports unless you have purchased the Snow Sport Plus Policy if travelling internationally or the Domestic Plus Policy if travelling within Australia.

    37. Your claim arises from you participating in any sports or recreational activities not listed in the Automatically Covered Sports and Leisure Activities list (page 14 of the PDS), except as provided under the Adventure Pack (page 20 of the PDS) if you have purchased the Adventure Pack option.

    38. Your claim arises from you participating in professional sport in a professional capacity of any kind.

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  34. What are the things I should be aware of if I am thinking of buying a policy from Fast Cover?

    Before you buy a policy with us there are 7 things you must know.

    Travel insurance is there to protect you against unexpected circumstances like medical emergencies, trip cancellation and lost baggage.

    Each travel insurance policy is different and we want to ensure our travellers understand how our travel insurance policy works so that you can choose the right cover for your circumstances.

    1. Cover is only available if:
    • You are an Australian citizen, or holder of a valid Australian permanent residency visa, permanently residing at an Australian address and hold a current Australian Medicare card which is not a visitor Medicare card; and
    • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
    • Your trip ends in Australia.

    For temporary residents of Australia on a 457 visa cover is available, however, only if:
    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under.

    2. If you are already overseas
    If you left Australia without travel insurance or if your travel insurance policy (even if issued by another insurer) has expired, we may be able to help. You can purchase our Standard Saver, Comprehensive and Snow Sport Plus policies if you are already overseas, provided you meet all of the following requirements:
    • You have
    o been overseas for less than 14 days, or
    o have been insured under a travel insurance policy since you left Australia that has been expired for no more than 14 days; and
    • You are an Australian resident normally residing in Australia; and
    • You have a home in Australia to which you intend to return; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under at time of purchase; and
    • You advise us at the time of purchase that you are already overseas (this will be noted on your Certificate of Insurance).

    You cannot purchase a Basics Policy or Frequent Traveller Saver Policy if you are already overseas.

    Policies purchased while you are already overseas are subject to:
    • a 48-hour waiting period for all benefits.
    • a $500 excess for all claims.

    3. It’s your responsibility to read this Product Disclosure Statement (PDS) and decide whether this policy suits your needs
    You should (and we rely on you to) read the PDS before purchasing this insurance. Your policy is made up of this PDS, the Certificate of Insurance and any other change to the terms of the policy otherwise advised by us in writing (such as an endorsement or Supplementary PDS) which may vary or modify the above documents. Together they form our agreement with you. All benefits are subject to the policy terms, conditions, exclusions and limits of cover described in this PDS.

    4. Your medical history affects your cover
    Please consider your medical history carefully. This includes any condition at any time in your entire life that you (including your dependants travelling with you) have:
    • been diagnosed with, or
    • taken or take medication for, or
    • seen a medical practitioner for (GP, physiotherapist, nutritionist, etc.), or
    • had an operation/procedure for, or
    • had a test for (x-ray, blood test, scan, etc.), or
    • received or currently receive any form of treatment.

    Travel insurance policies provide cover for unexpected sudden illnesses or injuries. Our travel insurance includes cover for 43 Pre-existing Medical Conditions but only if you have not been hospitalised for the condition in the past 24 months and your medications for the condition have remained unchanged for the past 6 months prior to purchase and departure. The 43 Pre-existing Medical Conditions that we cover are listed in our PDS.

    If you have a Pre-existing Medical Condition that is not included in this list then it is not covered and we will not pay for any claims where your medical history is a contributing factor.
    Refer to “Pre-existing Medical Conditions” in our PDS for guidelines on cover for Pre-existing Medical Conditions.

    5. You must take all care to protect your possessions
    There are times when we will not pay if you have not looked after your luggage and personal effects. For example, we will not pay if you transport your jewellery, computer or certain other items in the cargo hold of the airplane or other modes of transportation. Similarly, we will not pay if your items are left unsupervised in a public place or in a motor vehicle overnight. This is not a complete list of times when we will not pay if you do not protect your possessions. See Benefit 14 – Luggage and Personal Effects in our PDS for other ways you must protect your possessions.


    You must report a theft 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 theft occurred. You must prove that you made a report by providing us with a written statement from whoever you reported it to.

    6. Money Back Guarantee: You can cancel your policy within 14 days and receive a full refund
    You have a full 14 days from the purchase date of the policy (as set out in the Certificate of Insurance) to make sure you are happy with every aspect of your policy. This is known as the “cooling off” period. During this time, you may cancel the policy simply by writing to us and we will give you a full refund.

    You cannot cancel your policy if you have exercised any of your rights or powers under the policy (e.g. you have made a claim) or if the travel departure date (shown on your Certificate of Insurance) has passed within the 14-day cooling off period.

    7. Your policy is issued by Hollard Insurance
    The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL 241436 (Hollard) is the insurer and the
    issuer of this PDS. Hollard is also responsible for the assessment and payment of all claims.

    Hollard is a part of the Hollard Insurance Group, one of the world’s leading insurance companies, protecting customers with more than 7 million policies throughout Australia, the United States, Africa, Europe, India, and
    China.

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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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