Member Insurance

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It's Included! Introduction to Bicycle Victoria Membership insurance

Australia’s Best Bike Crash Insurance covers members when riding a bike and

Download the summary of Members Insurance

(*Subject to the conditions of the policy)

 

Yes, we cover bike riders living all over Australia

Australia's best bike crash insurance covers you wherever you live in Australia.

What is included? 

Personal Injury

There are many elements to Personal Injury. The below schedule details what you could be entitled to claim for as a Bicycle Victoria Member who has had a bike accident.

Schedule of Benefits Per insured person
Event 1 - Death $50,000
Events 2-14 - Capital Benefits $100,000 (max payments, refer page 7 of policy wording for scaled benefits)
Event 15 - Weekly Benefits 80% of weekly early earnings to a max $1,000 per week
1.Overseas Medical/Repatriation expenses $100,000
2.Non Medicare medical expense 85% of such expenses to a max $7,500 with a sub limit of $1000 for Private Hospital Expenses
3.Student assistance expenses $200 per week, subject to a max $5,000
4.Home Help expenses $200 per week, subject to a max $5,000
5.Parent inconcenience expenses $200 per week, subject to a max $5,000
6.Rehabilitation Up to $10,000
7.Funeral Costs Up to $5,000
8.Home and/or Motor Vehicle Modification  Up to $50,000 
9.Travel Costs / Temporary Accomodation Up to $1,000 
10.Out of Pocket $200 per week, subject to a max $5,000 
11.Chauffer Plan $200 per week, subject to a max $5,000

Waiting Period: Seven days will apply to Additional Benefits 3, 4 & 5. Fourteen days will apply to Event 15- Weekly Benefits. Volunteers have a waiting period 7 days for all.

Excess: $100 applies in respect to Additional Benefit 10. $150 applies in respect to Additional Benefit 2. Volunteers $50 for all.

Major Condition: Not covering expenses for private doctors & surgeons over their schedule fees.

Public Liability

Members have public liability cover including personal injury/death and/or property damage as a result of an occurrence arising from a Member's recreational cycling or racing. This cover provides up to $5 million indemnity if you are legally liable.

There is an excess amount of $1,000 on all claims.

This cover is provided to Members only in Australia and New Zealand.

Anything else I need to know?

Travel Insurance

Travel Insurance is part of Bicycle Victoria Membership

Travel Insurance - Registered Members and Volunteers (including Short Term Members)

 Schedule of Benefits Per Insured Person
Normal Personal Accident Insurance Benefits Refer previous schedules
Endorsement: Loss of Deposits of an offficial paid Bicycle Victoria event 100% and/or entry fee
 Baggage and Travel Documents including damage to bikes (exclusion; while in use) Up to Max $1,000

                           

 

 

Support the people who support your bike riding. Join Bicycle Victoria.

Do you want more?

What if I have had a crash?

See what you need to to if you have had a bike accident. 

How to insure your bike:

If your property was damaged as a result of another parties actions, we can assist you in recovering the costs through a letter of demand and legal advice.  

Insurance for your bike (theft and damage) is not part of Australia's Best Bike Crash Insurance (except on our Great Rides*)

We have looked around and have found out that CycleSafe Home™ Insurance can cover your bike for accidental damage or loss both inside and out of the home, including while riding.  

Not a Bicycle Victoria Member?

Join today and be covered by Australia's Best Bike Crash Insurance.

Or request more information about Bicycle Victoria Membership. (Please include name, address and contact number)


What Members say:

"You don't think about the insurance aspect of membership until you need it! I have had to make two claims in the last 14 months. After one of the crashes, I was out of work for 5 months. I was able to claim for loss of earnings, which gave me great peace of mind",

Tony Hoare Fitzroy North

"I have nothing but praise for the Insurance Claims Manager and her assistance - I received everything I was entitled to. Without a doubt I would have been considerably out of pocket without the insurance"

Alan Sullivan, Glenroy

 

 

Example of a Membership Personal Accident Claim.

Jan is a 32 year nurse who has injured her leg whilst riding on the road early on a Sunday morning. She has been advised by her local doctor that she has to undertake physiotherapy treatment, as well as have some x-rays. She also cracked her front tooth during the fall and has been advised she needs orthodontic work as a result. She is advised that she requires surgery. Jan has a weekly earning of $1,000 net per week. As a result of her injuries, she has 4 weeks off work.


PAYING THE CLAIM
Medical Expenses
(Government legislation does not allow General insurers to cover any costs subject to a Medicare rebate)
Private practitioner visit                   Covered by Medicare
Surgeon                                         Covered by Medicare
X-Ray/MRI                                     Covered by Medicare
Anesthetist                                    Covered by Medicare
Public Hospital Accommodation      Covered by Medicare
Private Hospital Accommodation      2 days @ $400) $800
10 Physiotherapy sessions @ $50 per visit              $500
Orthodontic procedure                     $3, 200

Non-Medicare Medical Sub Total                           $4,500
Benefit Payout  - 85% $3,825 (- excess of $150 applies)                                                                           $3675

Loss of Income - 4 weeks @ $1000 per week (less 14 day excess) $2,000


Total Claim Payment $5675*

 *Example only. Each individual claim is subject to the policy wording.