Important travel insurance information for Fast Cover policies underwritten by Hollard and Certain Underwriters at Lloyds.
The below information was issued on Wednesday the 28th of September 2022 and applies to Fast Cover travel insurance policies underwritten by Hollard (policies starting with FCH) and Certain Underwriters at Lloyds (policies starting with FCL).
If you need assistance or advice, contact our 24 hour Emergency Assistance team on the numbers listed on our website or on your certificate of insurance.
DFAT are advising travellers to avoid the area and follow local instructions. Please stay up to date with the advice issued on the Smart Traveller website.
Select from the options below to find the information for your current situation:
Policy Coverage
The below information was issued on Wednesday the 28th of September 2022 and applies to your travel insurance policy with Fast Cover, underwritten by Hollard and Certain Underwriters at Lloyds.
For policies issued prior to 6:00pm AEST on 28 September 2022 there is provision for cover as set out below under ‘How does this affect me?’
For policies issued after 6:00pm AEST on 28 September 2022, there is no cover for any claims arising from this event.
How does this affect me?
There is provision for cover under the following Benefits of the policy subject to the policy terms, conditions, limits, sub limits, benefit exclusions and General Exclusions:
- Benefit 5 – Trip Cancellation Expenses.
- Benefit 6 – Trip Disruption Expenses
- Benefit 16 – Travel Delay Expenses
- Benefit 17 – Special Event Transport Expenses
Note there is no cover for the above Benefits unless your travel has been directly affected by Hurricane Ian.
Please note the below specific General Exclusions which may impact your policy:
15. Your claim arises from you not following advice in the mass media or any government or other official body’s warning:
a. of a strike, riot, bad weather, civil protest or contagious disease (including an epidemic or pandemic); or
b. against travel to a particular country or parts of a country or against remaining in a particular country or parts of a country; or
c. where a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if this term is replaced) was issued by the Australian Department of Foreign Affairs and Trade before the start date of your trip; and
d. you did not reasonably 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.
39. Your claim arises from an event where a Travel Alert for that event was issued by us prior to the issue of your Certificate of Insurance. Events include (but is not limited to): strike, riot, hijack, civil protest, severe weather, natural disaster or contagious disease.
