We've got you covered
About this page
All Bicycle Victoria members receive insurance cover while they ride.
Member 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).
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).
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 (in respect of Event 15 no beneifts will be payable for the first 14 days in respect of disablement arising out of any one injury. The benefit period shall be reduced by this excluded period.) |
| 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 inconvenience 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 $2 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.
I want to cover my bike...
As a Bicycle Victoria Member, you already have Australia’s premium bike crash insurance. This means you’re already covered for injuries you may suffer, injuries you may do to someone else, damage you may do to someone else’s property, and for theft, loss and damage on our Great Rides (subject to the terms and conditions of the policy). But crash insurance alone isn’t enough to cover your bike itself from loss or damage.
Please refer to our FAQ's page for more information on CycleSafe Home™ Insurance, the only insurance policy designed especially for cyclists.
How do I obtain a quote?
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Send an enquiry online or call IHGroup on 1300 659 484
Email ih@ihgroup.com.au
Visit the CycleSafe Home Insurance website.
Can I get cover whilst racing?
Because CycleSafe Home™ is designed especially for cyclists, you can apply for an optional racing extension. Contact IHGroup for more details.
Bicycle Victoria Membership covers members anytime they are riding, including competitive racing. Whether you are in a velodrome, on the road or out in the bush, Bicycle Victoria membership covers you.*
* Bicycle Victoria membership insurance excludes bike riding as a profession.
If you require further information on this, please send us your questions.
Member Travel Insurance...
Bicycle Victoria Members receive Travel Insurance for Great Rides as part of their Membership. This insurance becomes part of the membership insurance and expires at the same time as your Membership.
Bicycle Victoria Members are also covered by Personal Accident and Public Liability Insurance anytime they are riding, not just on the event which is a great comfort while you are doing your training. Join online now to be covered.
In short...
| 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 $150 excess |
| Baggage and Travel Documents including damage to bikes (exclusion; while in use) | Up to Max $1,000 |
The long version...
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 Policy Wording and Product Disclosure Statement is available here.
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 ACE Policy 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.
For member personal injury summary of benefits for current memberships joined or renewed prior to 1 June 2009 (underwritten by ACE Insurance Limited) Extent of Cover
This endorsement applies only to Insured Persons whilst participating on an Official Paid Bicycle Victoria Managed Event.
Sum Insured - 100% AND/OR ENTRY FEE
1. We will pay the unused non refundable portion of travel and events costs paid in advance should Your participation in the Official Paid Bicycle Victoria Managed Event be cancelled or curtailed as a result of:
a) the unexpected death or Serious Injury Or Sickness, occurring after Your Policy
becomes operative, of You or any of Your Relatives or a close business associate
resident in Australia or of any close friend and travelling companion who holds
confirmed bookings to travel with You,
b) unforseen cancellation or curtailment of scheduled public transport services,
c) Your quarantine or jury service,
d) financial collapse of carriers or tour operators,
e) natural disaster or hijack of any aircraft or public transport conveyance,
f) You, being a full-time student, having to sit for supplementary academic
examinations,
g) You, being retrenched from Your usual full-time employment.
2. Alternatively, We will pay You for reasonable and necessary associated penalty costs resulting from the emergency rearrangement of such travel tickets as a direct result of:
a) unforeseen cancellation or curtailment of scheduled public transport services,
b) the unexpected death or Serious Injury Or Sickness of You, Your travelling
companion, a Relative in Australia or close business associate occurring between
the date Your Policy became operative and the commencement of the Official Paid
Bicycle Victoria Managed Event providing that the amount payable does not exceed
total outright cancellation charges.
ENDORSEMENT – BAGGAGE AND TRAVEL DOCUMENTS
Extent of Cover
This endorsement applies only to Insured Persons whilst participating on an Official Paid
Bicycle Victoria Managed Event
SUM INSURED – up to $1,000, $150 excess
We will pay:-
1. (Subject to due allowance for wear and tear, depreciation or betterment) by cash or at
Our option by reinstatement, repair or replacement for:
a) loss of or damage to personal effects such as those usually carried or worn by
tourists and travellers (other than household effects and furniture) which are
owned by You and taken or purchased at the Official Paid Bicycle Victoria Managed
Event by You occurring during the Term of Insurance,
b) loss of or damage to, unaccompanied personal effects, as above, owned by You
occurring during the Term of Insurance provided they are transported by the same
carrier (or its nominee) provided such transport is based on Your travel tickets.
2. The maximum sum payable for:-
a) jewellery shall not exceed 50% of the total Sum Insured under this Section.
b) any one article or for any loss consisting of articles in a pair or set shall not exceed $400 for accidental loss, theft or unauthorised use of travellers cheques, passports, travel tickets, credit cards and petrol coupons taken on the Official Paid Bicycle Victoria Managed Event and occurring during the Term of Insurance. We will also reimburse You for reasonable transportation costs to obtain necessary replacement documents provided such documents are for Your personal use only and that You comply with the conditions under which the documents are issued. You shall not be entitled to recover any loss under this Section unless You report such loss to the police or appropriate authority within 9 days and a written acknowledgement from
the authority to which the loss was reported be obtained and forwarded to Us when claiming.
EXCLUSIONS (applicable to Baggage and Travel Documents)
We will not pay under this Section for:-
1. Loss of or damage to:-
a) glass, fragile or brittle articles, spectacles, contact lenses dentures, unless caused by fire, burglary, theft or accident to the conveyance in
which they are being carried,
b) cash, bank notes, stamps, postal or money orders, bonds securities, negotiable instruments,
c) personal effects caused by cleaning, dyeing, alteration, repairing restoring, climatic conditions, moth or vermin,
d) personal effects due to confiscation or detention by customs or other authorities.
2. Loss, destruction or damage which is otherwise insured or recoverable from the Carrier.
3. a) Damage and/or breakage of any sporting equipment whilst it is in Your use,
b) loss of or damage to surf boards.
4. Loss of or damage to personal effects whilst left in any motor vehicle or caravan unless there is forcible and violent entry into such vehicle or caravan.
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