Bike riding insurance

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 $7,500 
Loss of earnings  Yes $1,000/week
Out of pocket expenses Yes $200/week up to $5,000
Home help expenses Yes $200/week up to $5,000
Chauffeur plan Yes $5,000
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

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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 or couriering)
  • 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

Making a claim

Call us on (03) 8376 8888 and book a time to speak with our dedicated Riders’ Rights Co-ordinator. They’ll talk you through the claims process.

Downoad summary