Snow Sports FAQs | Fast Cover

Snow Sports FAQs

  1. What is the age limit for snow cover?

    There are no age limits for snow cover if you are ONLY travelling in Australia. If you are travelling overseas and are aged 69 and under, you are eligible for the Snow Sports Plus policy. If you are travelling overseas and are 70 years of age or older, we CANNOT provide you with snow cover.

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  2. Can I buy Snow cover just for the time that I am skiing?

    No, we aren't able to provide Snow cover just for the period that you are skiing. Snow cover needs to be purchased for the entire duration of your trip.

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  3. Is Off-Piste skiing within a resort's boundaries covered?

    Yes, off-piste skiing or snowboarding with a professional snow sport instructor or guide is covered as long as it is on a marked trail. This applies even if the run is not groomed.

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  4. If we are unsure whether we are going skiing or snowboarding, can we upgrade to a ski policy whilst we are travelling?

    Yes, you can upgrade to the Snow Sports Plus policy while you are travelling by paying the difference in price.

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  5. Is Backcountry skiing covered?

    No, Backcountry skiing is NOT covered.

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  6. What is the meaning of 'Heli-skiing'?

    'Heli-skiing' means downhill skiing or snowboarding from locations accessible by helicopter.

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  7. What is the meaning of 'Off-piste'?

    'Off-piste' means areas within the boundaries of a ski resort that are not:

    • groomed terrain; or
    • marked slopes; or
    • trails that are open, maintained, monitored and patrolled by the ski resort.

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  8. What does 'Snow Sport' mean in the PDS?

    'Snow Sports' means:

    • Recreational skiing and snowboarding;
    • Big foot skiing and snowboarding;
    • Cat skiing and snowboarding;
    • Cross-country skiing and snowboarding (along a designated cross country ski route only);
    • Glacier skiing and snowboarding;
    • Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only);
    • Ice hockey (not competitive);
    • Ice skating;
    • Lugeing (on ice) (provided by a commercial operator and available to the general public only);
    • Mono skiing;
    • Off-piste skiing or snowboarding with a professional snow sport instructor/guide;
    • Snowmobiling;
    • Tobogganing.

     

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  9. What does 'Snow Sports Equipment' mean in the PDS ?

    'Snow Sports Equipment' means skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings

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  10. 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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  11. What is 'Snow Equipment Replacement Hire' cover?

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

    We will pay:

    Up to the limits set out in the Benefit Summary above, for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours. 

    We will not pay:

    • Unless we accept a claim by you under Benefit 20 – Snow Sports Equipment for accidental loss, theft of, or damage to snow sports equipment owned by you.
    • For more than the applicable limits set out in the Benefit Summary above.

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

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  12. What is 'Snow Prepaid Expenses' cover?

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

    Cover under this Benefit is subject to the following conditions:

    • You must provide us with written confirmation from the medical practitioner of the nature of your injury or sickness.

     

    We will pay:

    • Up to the limits set out in the Benefit Summary of the PDS, if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, ski hire, or lessons, we will reimburse you the percentage amount of the unused portion of for each insured person.

     

    We will not pay:

    • If the claim arises from activities not defined as Snow Sport.
    • If the claim arises outside the period 15th December to 15th April in northern hemisphere resorts and 15th June to 30th September in southern hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.
    • For more than the applicable limits 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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  13. What is 'Snow Resort closure' cover?

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

    Important cover conditions

    Cover under this benefit is subject to the following conditions:

    • If you have a claim under this benefit you must get written confirmation from the management of the resort stating the reason for the closure and how long the closure lasted.

    We will pay:

    • Up to the limits set out in the Benefit Summary of the PDS, if during your stay at your pre-booked and prepaid holiday resort all ski lift systems are closed for more than 24-hours because there is not enough snow, too much snow, bad weather or a power failure, we will reimburse

    o the cost of transport to the nearest open resort;

    o the cost of lift passes at the alternate resort.

    We will not pay:

    • If the claim arises outside the period 15th December to 15th April in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.

    • The claim relates to resorts that do not have skiing facilities greater than 1,000 metres above sea level.

    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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