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 $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
Counselling support Yes $2,000
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

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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.

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