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GENERAL CONDITIONS

• PERIOD OF INSURANCE
  The period of insurance is specified on your insurance schedule. If your return is unavoidably delayed for an insured reason, cover will be extended for the period of the delay.
• TERRITORIAL DEFINITIONS
  You are covered for travel within the geographical region defined on your insurance schedule.
• POLICY EXCESS
  The policy excess will be deducted in the event of a claim under certain sections of the policy. The excess will be charged for each incident that results in a claim.
• SPORTS AND ACTIVITIES
  You are covered to participate in the following sports and activities (provided you are not participating on a professional basis):
  
  angling, archery*, athletics*, badminton, banana boating, baseball*, basketball, billiards, body boarding, bowling, boxing training (no contact), camel riding*, canoeing, catamaran sailing**, clay pigeon shooting, climbing (climbing wall), cricket*, croquet, curling, cycling (non-touring)*, dancing, darts, dinghy racing, dinghy sailing, elephant ride, fell walking, flag american football, football, golf, gymnastics, helicopter ride (passenger), hiking, horse drawn sleigh, horse trekking, hot air ballooning (passenger), jet skiing*, kite surfing, light aircraft rides (passenger) martial arts training, motorcycling under 125cc* (as a means of transport only), netball, orienteering, paint balling*, pony trekking, pool, rambling, rifle range*, ringos, rounders, rugby league*, rugby union*, sailing** (in-shore & off-shore), scuba diving (max. 30m), sledging, snooker, snorkelling, snow-shoeing, soccer, softball, squash*, surfing*, swimming, swimming with dolphins, table tennis, tennis, ten-pin bowling*, tobogganing (winter), touch football, trampolining, trekking, tug-o-war, volleyball, wake boarding, walking, walking up Sydney Harbour Bridge, water polo, waterskiing, wheelchair basketball, windsurfing (on a lake).
  
  * no Personal Liability cover
  ** no Personal Liability / offshore rescue cover
  
  You are NOT covered for any other Sports and Activities, unless declared to and agreed by us on your insurance schedule and an additional premium paid if required.
• WORKING OVERSEAS
  You are not covered to work overseas unless specified on your insurance schedule. In any event, no cover is provided for Section 11, Personal Liability whilst working overseas.
• DISCLOSURE OF MATERIAL FACTS
  It is a condition of this insurance that all material facts have been disclosed to us. Failure to do so may invalidate this insurance. A material fact is any fact, medical or otherwise, which poses an increase in risk to us and is likely to influence us in the assessment, acceptance or continuance of your insurance.