Bicycle Network: Bicycle Tasmania Membership

Australia's Premium Bike Rider Insurance

Covering you any time you ride anywhere in Australia.

One of the many benefits of being a Bicycle Tasmania member is having peace of mind everytime you ride. As we support you with Australia's premium bike rider insurance. This covers you + injury & property damage to others. The below table explains exactly what you're covered for.

You

Benefits	Covered?	Amount (up to)	Nuts and bolts
Income replacement		Max of $1,000 per week	Loss of Earnings – You are entitled to 80% of your weekly earnings upon proof, to a max of $1,000 per week for a max of 52 weeks. A 14 day excess applies where no weekly benefit will be paid.
Non-Medicare Medical costs		Up to 85% (combined max of $7,500)	Provided such expenses are not recoverable from any other source, such as Medicare or Private Health Insurance, you are entitled to 85% (combined max of $7,500) of expenses for dentist, orthodontic services prescribed by a surgeon, physiotherapist, chiropractor, osteopath, acupuncturist, massage services and Occupational Therapy (NEW) after referral by a legally qualified medical practitioner. For Private Hospital Expenses there is a sub limit of $1,000. An excess of $150 applies.
Medicare "gap"		N/A	Medicare Benefits Schedule (MBS) will outline what you are covered for under Medicare, and amounts not paid in full by Medicare are not claimable under this (Bicycle Tasmania membership) insurance as governed by relevant laws of Medicare and Health Insurance.
My bike and accessories		N/A	Bike loss or damage is not covered unless whilst participating in a paid Bicycle Tasmania event. For more information refer to the travel insurance benefit further below. How do I get my bike and accessories insured?
Overseas riding		$50,000	You are entitled to up to $50,000 worth of: - Overseas Medical Expenses: emergency Medical Expenses incurred (while riding a bicycle) outside Australia, given or prescribed by a legally qualified medical practitioner and which is not recoverable from any other source. - Repatriation Expenses: additional travel and accommodation costs incurred (due to injuries caused while riding a bicycle) for the return of an insured Bicycle Tasmania member to Australia on the written advice of a legally qualified medical practitioner and which is not recoverable from any other source.
Travel insurance on Bicycle Tasmania events		$1,000	You are entitled to: - a refund of 100% up to a max of $1,000 for your loss of deposit if you are unable to participate in the Bicycle Tasmania event. - claim 100% up to a max of $1,000 for damaged/lost bikes, clothing, baggage and travel documents. There is a claim limit of $400 per item. An excess of $150 applies.
Travel insurance on non-Bicycle Tasmania events		N/A	For non-Bicycle Tasmania run events, no travel insurance applies. Therefore if members are participating in rides that involve a large degree of equipment/luggage, travel and accommodation costs, be it overseas or within Australia, travel insurance might need to be considered separately and in addition to the Bicycle Tasmania membership. Talk to Tresidder Insurance Group for assistance on specific travel insurance for riding tours/trips.
Rehabilitation		$10,000	If a Bicycle Tasmania member is insured for both permanent injury lump sum benefit and loss of income benefit, cover applies for an additional $10,000 for costs necessarily incurred in rehabilitation provided that the rehabilitation program is prescribed by a legally qualified medical practitioner.
Home help expenses		$5,000	You are entitled to $200 per week, subject to a max of $5,000. Covering recognised agency costs as well as partner/spouse costs if partner/spouse incur loss of income associated with home help. A 7 day excess applies.
Parent inconvenice expenses		$5,000	The custodial parents of an insured Bicycle Tasmania member are entitled to $200 per week, subject to a max of $5,000 while the insured Bicycle Tasmania member is in hospital. A 7 day excess applies.
Chauffer plan		$5,000	You are entitled to $200 per week, subject to a max of $5,000 if you are injured and require a taxi and/or chauffeur car to scheduled business and/or medical appointments if partially incapacitated. This must be certified by a legally qualified practitioner. A 3 day excess applies.
Home and motor vehicle modification		$10,000	If you’re eligible for a capital benefit, you can claim an additional $10,000 for modification expenses.
Lump Sum Payment - Permanent injury		$100,000	Lump sum benefits to a max of $100,000 for an injuries disablement and loss/use of senses and/or body parts.
Lump Sum Payment - Death		$50,000	Your estate is entitled to claim $50,000 in the event of death of an insured Bicycle Tasmania member.
Funeral Expenses		$5,000	Up to an additional $5,000 in the event of the death of the insured Bicycle Tasmania member for funeral costs and expenses.

Others

Benefits

Covered?

Amount (up to)

Nuts and bolts

Damage to someone elses property

$5million

You are covered for up to $5million worth of expenses incurred if you damage any person’s tangible property whilst riding your bike and you are found legally liable for that damage.

An excess of $1,000 applies.

Injure someone else

$5million

You are covered for up to $5million worth of expenses incurred by any person you have caused bodily injury or death whilst riding your bike and you are found legally liable for the cause of injury/death.

An excess of $1,000 applies.