Membership
We’ve got you covered
Bike riding insurance
Medical coverage
We’ll cover expenses that others don’t – including dental, orthodontic, physiotherapy, and even acupuncture as long as you provide a reference from a qualified medical practitioner.
Income protection
If you’re injured on your bike or can’t work after an incident, we’ll pay up to 85% of your weekly earnings for 52 weeks.
Third party coverage
For any damage to another person’s property or injury caused to them, you’ll just need to pay the first $1,000 and we’ll take it from there.
| Insurance benefits* | Covered | Limit |
| Non-Medicare medical costs | Yes | $10,000 |
| Loss of earnings | Yes | $1,000/week |
| Out of pocket expenses | Yes | $500/week up to $5,000 |
| Home help expenses | Yes | $200/week up to $5,000 |
| Chauffeur plan | Yes | $5,000 |
| Replacement bike hire | Yes | $500 |
| Permanent injury | Yes | $100,000 |
| Injury to someone else | Yes | $5 million |
| Damage to someone else’s property | Yes | $5 million |
| Riders rights advice and help recovering costs from a third party | Yes | – |
| Initial consultation with our partner law firm | Yes | – |
*This is a summary of the cover provided. It is not intended to provide a comprehensive overview of the cover available under the policies. For full details, please refer to the supporting policy documents below for full terms, conditions, and limits.
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Insurance summary
Need to know more?
Who is insured?
This insurance product covers Bicycle Network* members.
There are benefits in the policy that cover everyone regardless of age. There are some changes once you reach 75, see the policy wording for more details.
When am I covered?
- When you sustain an injury during any or all recreational or commuting bike riding activities (excluding riding to derive a commercial benefit – e.g. racing)
- Whilst participating in a Bicycle Network event
What is covered?
- Accidental death and total disablement
- Personal injury
- Loss of income
- 3rd Party Liability Coverage (if you injure someone else or cause damage to someone else’s property)
What is not covered?
- Medicare gaps (Federal legislation precludes us from doing so)
- Property (bicycles, accessories etc.) except where covered under Event Benefit
- Loss of income due to injury sustained while participating in a race or while riding for commercial benefit (e.g. racing)
Making a claim
Please give us a call on 1800 639 634 to book a time to speak with our dedicated Riders’ Rights team about making a claim.
