Member Insurance
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It's included! Introduction to Bicycle Victoria Membership insurance
Australia’s Premium Bike Crash Insurance covers members when riding a bike and...
- Are injured
- Injure someone else*
- Damage someone else’s property*
- Travel Insurance for Great Rides
- Public Liability
Australia's premium bike crash insurance covers you wherever you live in Australia.
(*Subject to the conditions of the policy wording and product disclosure statement.
Bicycle Victoria membership insurance covers riders of a bicycle which is defined as an "instrument designed to be powered by pedals, including motors, not exceeding 200 watts or 50cc and includes any attached child seats and bicycle trailers".
Effective as of 1 June 2009 Bicycle Victoria changed insurers for the members Personal Accident Insurance. Therefore members who renewed or joined Bicycle Victoria Membership from the 1 June 2009 onwards will now be covered under the Bicycle Victoria Personal Accident Insurance Policy underwritten by Calliden Insurance Limited (ABN 47 004 125 268 AFS Licence N0.234438) A copy of the new Policy Wording and Product Disclosure Statement will be available on this webpage from 1 September 2009.
Therefore members who renewed or joined prior to 1 June 2009 are covered under the Bicycle Victoria Personal Accident Insurance Policy underwritten by ACE Insurance Limited (ABN 23 001 642 020 AFS Licence N0.239687) A copy of the ACEPolicy Wording and Product Disclosure Statement is available upon request
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.
Member personal injury summary of benefits for current memberships joined or renewed prior to 1 June 2009 (underwritten by ACE Insurance Limited)
| 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. A $150 excess applies |
| 3.Student assistance expenses | $200 per week, subject to a max $5,000. A 7 day excess applies |
| 4.Home Help expenses | $200 per week, subject to a max $5,000. A 7 day excess applies |
| 5.Parent inconcenience expenses | $200 per week, subject to a max $5,000. A 7 day excess applies |
| 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. A $100 excess applies |
| 11.Chauffer Plan | $200 per week, subject to a max $5,000 |
| Loss of deposits | %100 to a max $1,000, $150 excess applies* |
| Baggage and travel documents | %100 to a max $1,000* |
*Additional benefit applies only to a current member whilst participating on an official paid Bicycle Victoria managed event.
Reduced excesses and waiting periods apply to volunteers whilst acting in a voluntary capacity.
Major Conditions: Reduced Death and Capital Benefits apply to members residing outside of Victoria and Tasmania
Not covering expenses for private doctors & surgeons over their schedule fees.
Not covering expenses where by Medicare has contributed to reimbursement (medicare gap).
Member personal injury summary of benefits for current memberships joined or renewed after 1 June 2009 (underwritten by Calliden Insurance Limited)
| Schedule of Benefits | Per insured person |
| Death | $50,000 |
| Capital Benefits | $100,000 (max payment, scaled benefits refer page11 of the policy wording for the Capital Benefits schedule) |
| Weekly Benefits (loss of earnings) | 80% of weekly early earnings to a max $1,000 per week - 52 weeks max period of cover. a 14 day excess applies |
| 1. Home and/or Motor Vehicle modification | Up to $10,000 |
| 2. Funeral Costs | Up to $5,000 |
| 3. Student assistance Expenses | $200 per week, subject to a max $5,000. A 7 day excess applies |
| 4. Home Help Expenses | $200 per week, subject to a max $5,000. A 7 day excess applies |
| 5. Parent inconcenience allowance | $200 per week, subject to a max $5,000. A 7 day excess applies |
| 6. Non Medicare medical expenses | 85% of such expenses to a max $7,500 with a sub limit of $1000 for Private Hospital Expenses. A $150 excess applies |
| 7. Overseas Medical/Repatriation expenses | $50,000 |
| 8. Rehabilitation | Up to $10,000 |
| 9. Travel Expenses / Temporary Accomodation | Up to $1,000 |
| 11. Out of Pocket Expenses | $200 per week, subject to a max $5,000. A $100 excess applies |
| 10. Chauffer Plan |
$200 per week, subject to a max $5,000 |
| 12. Loss of deposits | %100 to a max $1,000, $150 excess applies* |
| 13. Baggage and travel documents |
%100 to a max $1,000* |
*Additional benefit applies only to a current member whilst participating on an official paid Bicycle Victoria managed event.
Reduced excesses and waiting periods apply to volunteers whilst acting in a voluntary capacity.
Major Conditions: Reduced Death and Capital Benefits apply to members residing outside of Victoria and Tasmania
Not covering expenses for private doctors & surgeons over their schedule fees.
Not covering expenses where by Medicare has contributed to reimbursement (medicare gap).
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.
Download the full Public Liability policy wording and product disclosure statement.
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