Member Insurance
About this page
It's Included! Introduction to Bicycle Victoria Membership insurance
Australia’s Best 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
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 |
