I disagree. This is from Fast Cover's website: Heli skiing, "advanced terrain" (who's seen that as an exclusion before?) and snowmobiling all have green ticks as well. Fast Cover also have sleep apnœa on their list of automatically covered pre-existing medical conditions. One other insurer wanted $140 if I declared it. Hard not to do if seeking specific item cover for a CPAP machine. Rental car excess isn't covered in the standard Fast Cover policy but is an optional add-on at levels of $5K or $8K cover. I had an issue with AAMI on this as their cover was something ridiculously low like $2K and no option to increase it. I'll have to go back and re-read the Fast Cover PDS again but there didn't seem to be any weasel words unreasonably limiting off-piste. It may be in bounds only but any off-piste I'm looking at will be in bounds so not an issue for me.