Certain cover is provided for loss, theft or accidental damage to surf boards and sporting equipment are covered EXCEPT while they are in use. Cover is only available for loss, theft or damage to bicycles if you have added the Bicycle Pack and paid an additional premium. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.    

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.