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Denmark Travel Guide

Travelling to Denmark from Australia? Read Fast Cover's Denmark Travel Guide to learn practical travel tips to help you plan and prepare for your trip to Denmark.

Denmark Travel Guide

Travelling to Denmark from Australia offers the chance to experience one of Europe's most charming destinations. Whether you're exploring the colourful Nyhavn harbour, visiting ancient Viking sites, or cycling through picturesque countryside, proper preparation is essential to ensuring a smooth and enjoyable trip to Denmark. If you're travelling to Denmark from Australia, Fast Cover's Denmark travel guide provides essential travel advice and requirements, safety tips, and practical information to help you plan your trip and navigate this fascinating Scandinavian country. 

Any advice is general advice only and doesn't consider your personal circumstances.

Denmark Travel Advice Level Explained

Denmark consistently ranks as one of the world's safest countries, making it an excellent destination for Australian travellers. However, it's always wise to stay informed about any travel advisories or travel alerts when planning your trip to Denmark. 

Travel Advisories

Before leaving for your trip, make sure to check the latest travel advice for Denmark on the Australian Government's Smartraveller website for up-to-date travel advisories for Denmark.

Travel Alerts

Fast Cover also monitors travel conditions and issues timely travel alerts to keep our customers informed and updated on situations that may impact their travel to Denmark.  

Learn more about how to choose a safe travel destination for your next holiday.

How to Prepare for a Trip to New Denmark

Being prepared before you travel to Denmark can help you manage unexpected events more easily. These actionable tips can help you prepare for your holiday to Denmark. 

Check Travel Requirements

Ensure your passport is valid for at least three months beyond your intended departure date from the Schengen area. Australian citizens and eligible residents can enter Denmark without a visa for stays up to 90 days within a 180-day period as Denmark is part of the Schengen area. Entry and visa requirements for Denmark may change depending on the nature and duration of your trip.

Research Danish Destinations

From the historic city of Copenhagen with its famous Little Mermaid statue and Tivoli Gardens to the windswept beaches of Skagen and the medieval town of Ribe, Denmark offers diverse experiences. Plan your itinerary around major cities like Aarhus, Odense, and Aalborg, each offering unique cultural attractions and historical sites.

Plan Your Activities

Denmark offers unique experiences for everyone, whether you're visiting castles and Viking ship museums, cycling through the Danish countryside or exploring Denmark's renowned food scene. Check if your planned activities are covered under your travel insurance policy. 

Pack Smart

Denmark's temperate climate varies significantly by season. Denmark has four distinct seasons with mild summers and cool, wet winters. Pack accordingly for the season you'll be travelling in, bringing layers for changeable weather, waterproof clothing for frequent rain showers, and comfortable walking shoes for exploring cobblestone streets and countryside paths. 

Organise Travel Insurance

Travel insurance for Denmark can provide cover for unexpected events like overseas medical emergencies, trip cancellation, or lost luggage. Fast Cover offers a wide range of policies for Australian travellers that can be customised depending on the travellers' individual needs, so you can make the most of your trip to Denmark.

Travel Documents

Organise your travel documents before you depart for your trip. Keep copies of your itinerary, flight tickets, passport, visas, accommodation details, tour and activity tickets, and any pre-arranged transport tickets. Don't forget your travel insurance policy and emergency assistance contact information.

Safety Advice for Travelling in Denmark

Denmark consistently ranks among the world's safest countries, making it an excellent destination for Australian travellers of all ages. While the country maintains low crime rates and efficient emergency services throughout all regions, staying alert and cautious can make a big difference when travelling in a new destination. Use our Denmark travel guide to stay informed of general risks and safety tips. 

Crime and Travel Scams in Denmark

While Denmark is generally very safe for tourists, you may occasionally encounter petty crime in busy tourist areas and travel scams. Familiarising yourself with local tourist scams and staying cautious ensures a safer and smoother experience when travelling to Denmark from Australia. 

Pickpocketing
Pickpocketing

Occurs mainly in crowded tourist areas like Copenhagen's Strøget shopping street, train stations, and busy markets. Keep valuables secure and be aware of your surroundings, especially in crowded areas and public transport. 

Fake Tour Guide Scams
Fake Tour Guide Scams

Be wary of unofficial tour guides approaching you in tourist areas. Book tours through reputable companies or your accommodation rather than accepting offers from street vendors.

Inflated Taxi Prices
Inflated Taxi Prices

Some unscrupulous taxi drivers may attempt to overcharge tourists. Always use official taxi companies, ensure the meter is running, or agree on the fare beforehand. Consider using rideshare apps like Uber for transparent pricing. 

Currency Exchange Fraud
Currency Exchange Fraud

Use official banks or licensed exchange bureaus rather than street money changers. ATMs generally offer the best exchange rates and are widely available throughout Denmark.

Civil Unrest and Terrorism in Denmark

While Denmark maintains political stability, travellers should remain alert to terror threats. Stay updated through official platforms such as Smartraveller or the Australian Department of Foreign Affairs and Trade (DFAT) and keep an eye out on Fast Cover’s travel alerts. Avoid large gatherings if tensions arise and follow guidance from local authorities and your accommodation providers. 

Safety for Sports and Adventure Activities

From cycling through Copenhagen's extensive bike paths to exploring Denmark's beautiful coastline and participating in water sports, Denmark offers exciting activities for travellers. Ensure you have the relevant skills and safety equipment for the activities you will be participating in and follow your instructor's safety briefing, especially when engaging in water sports along Denmark's extensive coastline or cycling in busy urban areas. Consider taking out travel insurance to provide cover for your chosen activities in Denmark.  

man surfing
Sports and Leisure Activities

Fast Cover’s list of Covered Sports and Leisure Activities provide cover for a wide range of activities.

people kayaking
Adventure Activities

Fast Cover's optional Adventure Pack provides cover for many more adventure activities for an added premium.

people walking on snow
Ski and Snow Sports

Fast Cover’s Snow Sports Plus Policy is available to provide cover for costs associated with ski and snow sports whilst overseas.

Always check the eligibility criteria, policy terms, conditions, exclusions and limits that apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Climate and Natural Disasters in Denmark

Denmark's temperate maritime climate creates generally mild weather conditions throughout the year, though the country can experience severe weather events. Researching your destinations and understanding the potential natural disasters will help you prepare for your trip to Denmark. Remember, Fast Cover's travel alerts can also provide updates during severe weather events. 

Storm Surges

As a peninsula surrounded by seas, Denmark can experience significant storm surges, particularly along the North Sea coast. Storm surges can cause coastal flooding and disrupt ferry services to islands. Check weather conditions and transportation schedules, especially if travelling to Denmark's many islands during winter months. 

Flooding

Denmark's low-lying geography and extensive coastline make it susceptible to flooding, particularly during autumn and winter storms. Coastal areas can experience storm surges, while urban areas may face flash flooding during heavy rainfall periods. Monitor weather warnings and avoid low-lying areas during severe weather. 

When is the Best Time to Visit Denmark?

The best time to visit Denmark varies based on what you want to experience, the activities you have in mind, and the type of weather you enjoy. With its historic castles, vibrant cities like Copenhagen, and stunning coastal landscapes, every season showcases a different side of this Scandinavian gem, from blooming landscapes in spring to the inviting atmosphere of winter traditions. 

Season 

Winter 

Spring 

Summer 

Autumn 

Months 

December - February 

March - May 

June - August 

September - November 

Weather Conditions 

Cold weather with frost and snow 

Mild weather with spring blooms 

Pleasant and comfortable weather  

Cool and rainy weather, often overcast 

 

river in denmark
Popular Activities in Denmark in Winter
  • Christmas Markets: Experience authentic Danish hygge at Christmas markets in Copenhagen, Aarhus, and other cities, featuring traditional crafts, warm gløgg (mulled wine), and festive atmosphere from late November through December. 
     
  • Northern Lights: While less reliable than in northern Scandinavia, Denmark's northern regions occasionally offer northern lights viewing opportunities during clear winter nights.
Popular Activities in Denmark in Spring
  • Garden Visits: Explore Denmark's beautiful botanical gardens and parks as flowers bloom, including Copenhagen's Botanical Garden and the famous Keukenhof-inspired displays at various Danish estates. 
     
  • Cycling Adventures: Take advantage of milder weather and fewer crowds to cycle Denmark's extensive network of bike paths, including the popular Copenhagen to Malmö route across the Øresund Bridge.
wadden sea denmark
beach in denmark
Popular Activities in Denmark in Summer
  • Festival Season: Experience Denmark's vibrant summer festival scene, including the Copenhagen Jazz Festival in July and numerous music festivals throughout the country during the long summer days. 
     
  • Beach Activities: Enjoy Denmark's beautiful beaches along both the North Sea and Baltic Sea coasts, with warmer weather perfect for swimming, sailing, and coastal walks. 
     
Popular Activities in Denmark in Autumn
  • Cultural Exploration: Visit Denmark's world-class museums and historic sites during the shoulder season, including the National Museum in Copenhagen and Viking heritage sites with fewer crowds and comfortable temperatures. 
     
  • Harvest Experiences: Participate in autumn harvest activities and food festivals celebrating Denmark's renowned culinary scene, including apple harvesting and traditional Danish food experiences.
denmark city

Public Holidays in Denmark

For a more enjoyable visit to Denmark, it's wise to learn about its public holidays. This foresight allows you to avoid peak travel periods, packed attractions, and increased prices. It also helps you schedule your itinerary around unique cultural events and consider any potential closures. 

Date 

Official Public Holidays in Denmark 

January 1 

New Year's Day 

April 17 

Maundy Thursday 

May 16 

Great Prayer Day 

May 29 

Ascension Day 

June 9 

Whit Monday 

December 25 

Christmas Day 

December 26 

Second Day of Christmas 
Expand All

Ready to Embark on your Danish Adventure?  

Explore the benefits and cover options available with Fast Cover’s travel insurance for your trip to Denmark.

Health Advice for Travelling to Denmark

Here's what you need to know about health risks, healthcare, and medication when travelling in Denmark. 

Health Risks when Travelling in Denmark

Health risks in Denmark are minimal and similar to those in Australia, as the country maintains excellent hygiene standards and healthcare infrastructure. Denmark's temperate climate and well-developed infrastructure mean most health concerns are related to common travel issues rather than tropical diseases or poor sanitation. There are some common health risks to be aware of before you travel to Denmark: 

Food and Water Safety
Food and Water Safety

While Denmark maintains excellent food safety standards, travellers may experience minor digestive issues when adjusting to different foods, particularly rich Danish cuisine and dairy products. 

Seasonal Allergies
Seasonal Allergies

Spring and summer can trigger pollen allergies, particularly from birch trees and grasses. Bring appropriate antihistamines if you're susceptible to seasonal allergies.

Minor Injuries from Cycling
Minor Injuries from Cycling

With cycling being extremely popular in Denmark, minor accidents can occur. Wear helmets and follow traffic rules, especially in busy Copenhagen traffic.

Cold Weather Exposure
Cold Weather Exposure

During winter months, be prepared for freezing temperatures and potential frostbite or hypothermia if inadequately dressed. Layer clothing appropriately and limit exposure during severe weather.

Healthcare in Denmark

Denmark provides excellent healthcare services with modern facilities and English-speaking medical professionals in major cities. However, emergency medical and hospital expenses can become costly for travellers.  

people waiting in a hospital
Fast Cover's Medical Benefits

Fast Cover’s international travel insurance policies include:

  • overseas 24/7 emergency medical assistance,
  • overseas emergency medical and hospital expenses,
  • overseas emergency dental, and
  • overseas emergency medical evacuation and repatriation

to help cover you if you become unexpectedly injured or sick while in Denmark.

plastic model of heart anatomy
Travel Insurance for Existing Medical Conditions

If you have an existing medical condition, Fast Cover may be able to provide some cover. You’ll need to complete a medical screening process online or call our Aussie based sales team.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Medication in Denmark

When it comes to medication and travel, make sure your medication is legal by verifying that with official sources. Follow these steps to prepare for travelling to Denmark with medication and avoid potential issues at customs: 

Check Denmark's Medication Regulations

Verify that your medications are legal in Denmark and whether any require special permits through the Danish Medicines Agency website or Danish embassy.

Obtain a Permit for Restricted Medications

Australians carrying medicines into Denmark should be aware that certain types, such as controlled substances or large volumes of prescribed drugs, could require special permission or documentation. 
 

Carry Documentation

Keep all medications in original packaging with prescription labels, carry a doctor's letter, and ensure you have adequate supplies for your entire trip plus a few extra days.

Travel Limits

Bring only personal-use quantities, typically 30-90 days' supply and declare medications at customs if required, particularly for controlled substances. 
 

Danish Laws and Customs for Travellers

Becoming familiar with Denmark's laws and traditions will help you avoid missteps with local people and authorities. Keep in mind that travel insurers generally don't cover you when your claim arises from breaking the law, so it's best to familiarise yourself with the local laws in Denmark before your trip. 

Obeying Local Laws When Travelling Through Denmark

When it comes to a smooth visit to Denmark, understanding and respecting local laws is paramount. Danish legal rules are held to a high, fair standard, and all international guests are expected to comply. Here are some useful tips to help prevent legal difficulties. 

Registration and Identification
Registration and Identification

Always carry valid identification such as your passport. While Denmark is part of the Schengen area, police may request identification at any time.

Use and Possession of Drugs and Alcohol
Use and Possession of Drugs and Alcohol

Denmark has strict drug laws, and cannabis remains illegal despite some tolerance in certain areas. The legal drinking age is 16 for beer and wine and 18 for spirits. Keep in mind that public intoxication can result in fines.

Traffic Offences
Traffic Offences

Denmark has strict traffic laws with significant penalties for speeding, drunk driving, and cycling violations. Speed cameras are common, and fines can be substantial for foreign visitors.

Social Customs in Denmark

In Denmark, respect and good manners are highly valued, alongside equality, being on time, and clear communication. Use these suggestions to help you move through social situations with ease. 

Food and Restaurant Etiquette
Food and Restaurant Etiquette

Tipping is not expected but appreciated for excellent service with tips usually being 5-10% or bills rounded up. Danes value punctuality for dinner reservations, and it's customary to finish everything on your plate.

Cycling Etiquette
Cycling Etiquette

Cycling is central to Danish culture, especially in Copenhagen. Follow bike lane rules, signal when turning, and be respectful to pedestrians and other cyclists.

Religious Sites
Religious Sites

While Denmark is largely secular, show respect when visiting churches by dressing modestly, speaking quietly, and following posted guidelines about photography or mobile phone use.

Visa and Entry Requirements for Travelling to Denmark

Denmark is in the Schengen Area. This means Australian citizens and eligible residents can enter Denmark without a visa for tourism or business purposes for stay for up to 90 days within a 180-day period under the Schengen visa exemption. For longer trips or for purposes such as long term study or work, you will need to take out a national visa.  

From late 2026, visa-exempt travellers will be required to apply for European Travel Information and Authorisation System (ETIAS) approval.  

For more information visit Fast Cover’s page on entry and visa requirements for Europe and the Schengen Area. 

Passport Requirements in Denmark

The passport or travel document must be valid for three months past the intended date of departure from the Schengen area when entering Denmark. Ensure your passport has sufficient blank pages for entry stamps and any other Schengen area travel during your trip. 

Make sure to renew your passport in advance to avoid travel disruptions. Learn how to keep your passport safe while travelling in Denmark. 

It is important to note that your travel insurance policy may not provide cover if you do not comply with Denmark's visa or other entry requirements. To help ensure you are prepared for your trip, you should research and understand the relevant entry conditions before you travel. 

Advice for Tourists Travelling in Denmark

Travelling to Denmark offers incredible experiences, from exploring historic Viking sites to enjoying cutting-edge design and cuisine in Copenhagen. It's important to be well-informed about practical details like currency, staying connected and transport to make the most of your visit. For more information, visit the official Denmark tourism website. 

Currency in Denmark
Currency in Denmark

The Danish krone (currency code DKK) is the currency of the kingdom of Denmark. You can exchange currency at banks, official exchange bureaus, or withdraw from ATMs using international cards. 

Common Payment Methods in Denmark
Common Payment Methods in Denmark

Cards from VISA and Mastercard are accepted in Denmark, especially in touristy establishments. Denmark is largely cashless, with most establishments accepting contactless payments, mobile payments like Apple Pay and Google Pay, and card payments. However, it's wise to carry some cash for small purchases, markets, or emergencies. 

Internet and Wi-Fi in Denmark
Internet and Wi-Fi in Denmark

Denmark has excellent internet infrastructure with widespread Wi-Fi availability in hotels, restaurants, cafes, and public areas. Free Wi-Fi is commonly available in major cities, and internet speeds are among the fastest in Europe. There are no internet restrictions or VPN requirements for tourists, making it easy to stay connected during your trip to Denmark. 

Mobile Phones and eSIMs in Denmark
Mobile Phones and eSIMs in Denmark

Australian mobile phones will work in Denmark through international roaming, though charges can be expensive. Consider purchasing a local Danish SIM card or European eSIM for better rates and data allowances. Major providers include TDC, Telenor, and Telia, offering tourist packages with data and calling credits. 

Travel Adaptors and Electronics
Travel Adaptors and Electronics

Denmark uses Type C, E, and F electrical outlets with 230V voltage. Australian travellers will need a universal travel adaptor or specific European adaptor. Most modern electronics will handle the voltage difference, but check device specifications before plugging in. 

What Should You Pack for a Trip to Denmark?

Planning what to pack for Denmark ahead of time will ensure you're well-prepared and have taken measures for a stress-free holiday when it comes time to go. Here's our guide on what to pack for your holiday to Denmark. 

Seasonal and Regional Packing

Pack according to Denmark's temperate climate and the season of your visit. Summer requires light layers, rain jacket, and comfortable walking shoes. Winter necessitates warm clothing, waterproof boots, and thermal layers. Spring and autumn call for versatile layering options and waterproof gear for unpredictable weather. 

Use a TSA-approved luggage lock and set a unique pin to keep your luggage secure. Add a tracking tag to keep track of your luggage location. These small measures can reduce the risk of potential loss or theft during your trip to Denmark. 

luggage and personal items
Luggage and Personal Effects Insurance

Fast Cover's luggage and personal effects benefit may provide cover for theft, loss, or damage to your luggage and personal items. If you're travelling to Denmark with high-value items, you can declare many of them as specified high-value items to help cover them for more than what they are currently covered for under the standard policy terms and conditions. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Transport in Denmark: Getting Around Denmark

Denmark offers excellent transportation infrastructure with efficient public transport, extensive cycling networks, and well-maintained roads connecting cities and rural areas. The country's compact size makes it easy to explore multiple destinations during your visit. 

Riding a Motorcycle, Moped or Scooter in Denmark
Riding a Motorcycle, Moped or Scooter in Denmark

Motorcycles and scooters are popular in Denmark, particularly for urban transport. A valid motorcycle licence and International Driving Permit are required. Helmets are mandatory, and lane splitting is not permitted.

Rental Vehicles in Denmark
Rental Vehicles in Denmark

Car rental is available at airports and major cities from international and local companies. An International Driving Permit is required alongside your Australian licence. Be aware of toll roads, parking costs in cities, and strict traffic enforcement. 

Trains
Trains

Denmark's rail network, operated primarily by DSB (Danish State Railways), connects major cities efficiently. High-speed trains link Copenhagen to Aarhus in about 3 hours, while regional services connect smaller towns. Book tickets online or at stations, with various discount options available for advance purchases. 

Buses
Buses

Comprehensive bus networks operate within cities and between towns. In Copenhagen, the integrated public transport system includes buses, metro, and trains on a single ticket system. Regional buses connect areas not served by rail. 

Taxis and Ride-Sharing Apps
Taxis and Ride-Sharing Apps

Official taxis are readily available in cities, though expensive compared to other transport options. Uber operates in major cities alongside local rideshare services. Ensure taxis use meters or agree on fares beforehand. 

Sea Travel
Sea Travel

Denmark's island geography means ferries connect many destinations. Regular ferry services operate between Denmark's islands and to neighbouring countries like Sweden and Germany. Book vehicle ferries in advance during summer months. 

Cycling
Cycling

Cycling is integral to Danish transport culture, especially in Copenhagen, which has extensive dedicated bike lanes. Many cities offer bike rental schemes, and cycling is often the fastest way to navigate urban areas. Follow traffic rules and wear helmets for safety. 

Driving Permits and License Requirements

To drive in Denmark, Australian travellers need an International Driving Permit (IDP) alongside their valid Australian licence. IDPs can be obtained in Australia before departure. Ensure you carry your IDP, Australian driver's licence, and rental vehicle insurance at all times when driving. 

man with helmet riding yellow scooter
Coverage for Riders and Passengers with Fast Cover's Motorcycle Pack

Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a: 

  • Motorcycle,  
  • Moped, or 
  • Scooter. 
van near the beach
Fast Cover’s Rental Vehicle Excess Benefit

Fast Cover’s Rental Vehicle Excess benefit may provide cover for the rental vehicle excess component of your rental vehicle insurance with your car hire company in Denmark, up to the specified limit in your travel insurance policy. This benefit applies to a:  

  • Sedan, hatchback, or station wagon,   
  • Four-wheel drive or minibus/people mover, or  
  • A campervan or motorhome (up to 4.5 tonnes), 

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Important Contact Information in Denmark

When an unexpected event happens, having key contact details close by can be incredibly helpful. Make sure to note down these important numbers before your journey to Denmark. 

Denmark International Country Code: +45

This code is vital if someone needs to reach you on a Danish mobile number, especially when using services like an eSIM. For example, dial +45 followed by the local number (dropping the initial 0) to make a call to Denmark. 

Emergency Contacts in Denmark
  • Police: 112 is Denmark's emergency number for life-threatening emergencies 
  • Fire and Rescue: Call (+45) 112 to access police, ambulance and fire brigade services 
  • Ambulance and Medical Emergency: 112 
  • Non-Emergency Police: For police, when it's not an emergency, call (+45) 114
Government Contacts

Danish Embassy in Australia 

  • Phone Number: +61 2 6270 5333 (Canberra) 
Fast Cover 24/7 Emergency Assistance
  • In Australia: 02 8320 7999 
  • Overseas: +61 2 8320 7999 

FAQs

Whilst Denmark is a popular destination for Australian travellers, changing civil, political and climate conditions may change whether Denmark is considered a safe destination to travel to. It's important to stay informed about local conditions and follow safety advice from the Australian Government via Smartraveller and any travel alerts issued by your travel insurance provider. 

The ideal time to travel to Denmark depends on your interests, the activities you want to do, seasonal events, and weather preferences. Summer (June-August) offers the warmest weather and longest days but also the highest prices and crowds. Spring (April-May) provides mild weather and blooming landscapes with fewer tourists. Winter brings Christmas markets and possible northern lights but cold, dark conditions. 

Before you travel to Denmark from Australia, make sure to research your travel destinations and the activities you will do in Denmark, so that you can pack accordingly. Ensure your passport is valid and check visa requirements. Consider purchasing travel insurance for your trip to Denmark. Fast Cover offers travel insurance policies that can be customised with optional extras to suit many travellers' travel plans to Denmark. 

Denmark Travel Hub

Discover travel resources, advice and tips for your next holiday to Denmark.

open passport with stamps
Europe and Schengen Entry and Visa Requirements

Travelling to Europe for tourism, business, work or study? We've put together a guide on European and Schengen entry and visa requirements to help you get your head around the right travel documents for your trip. Learn about visa exemptions and the European Travel Information and Authorisation System (ETIAS).

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Ultimate Euro Summer Checklist

Planning to escape the Aussie winter for a Euro summer? Check out our ultimate checklist of must-haves and must-dos before you head to Europe. Get ready for an unforgettable trip! 

buildings in denmark
Travel Insurance for Denmark

Whether you're cycling through the streets of Copenhagen, exploring the castles of North Zealand, or enjoying the charm of Tivoli Gardens, Fast Cover’s travel insurance for Denmark offers different levels of cover to suit many types of travel in Denmark.

 

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^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.