Bicycle Network: Get Involved! - Volunteer with Bicycle Network

Volunteer insurance

Read about the cover Bicycle Network Victoria provide to volunteers.

Volunteers acting in an official capacity for Bicycle Network Victoria receive Personal Accident insurance.

INSURED PERSONS:
Registered Volunteers of Bicycle Network Victoria, Cycle Safe Club of Australia and Cyclo Sportif Club of Australia (Bicycling Western Australia – BWA)

WHEN DOES COVER APPLY:
Anytime the Registered Volunteer is officially acting in a voluntary capacity on behalf of Bicycle Network Victoria/BWA. Cover applies anywhere in the world.

HOW DOES COVER APPLY:
The cover is designed to reimburse the Registered Volunteer for related expenses and costs of an injury. Where a Registered Volunteer sustains an injury, and there are costs and expenses associated with the treatment and recovery of that injury, the cover will reimburse such costs and expenses, according to the benefits outlined hereunder.

WHEN DOES COVER NOT APPLY:
There are a number of exclusions in the policy wording. Please refer to them for full details of when an injury will not be covered. In short, for Registered Volunteers, cover does not apply when not officially acting on behalf of Bicycle Network Victoria/ BWA, where cover applies already under Private Health Insurance, Workers Compensation, TAC and/or the like.

What am I covered for?

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 $50 applies.
Overseas cover	;	$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 Network Victoria member to Australia on the written advice of a legally qualified medical practitioner and which is not recoverable from any other source.
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 Network Victoria 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 Network Victoria event. For more information refer to the travel insurance benefit further below. How do I get my bike and accessories insured?
Travel insurance on Bicycle Network Victoria 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 Network Victoria 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 Network Victoria events		N/A	For non-Bicycle Network Victoria 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 Network Victoria membership. Talk to Tresidder Insurance Group P/L for assistance on specific travel insurance for riding tours/trips.
Rehabilitation		$10,000	If a Bicycle Network Victoria 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 Network Victoria member are entitled to $200 per week, subject to a max of $5,000 while the insured Bicycle Network Victoria 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 Network Victoria member.
Funeral Expenses		$5,000	Up to an additional $5,000 in the event of the death of the insured Bicycle Network Victoria member for funeral costs and expenses.

*subject to the conditions of the policy wording - please read the full policy in the right hand column.