Member Insurance

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.

 

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 Premium 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 Premium 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.