Membership
We’ve got you covered
Comprehensive bike riding insurance
Medical coverage
We’ll cover expenses that others don’t – including dental, orthodontic, physiotherapy, and even acupuncture as long as you provide a reference from a qualified medical practitioner.
Income protection
If you’re injured on your bike or can’t work after an incident, we’ll pay up to 85% of your weekly earnings for 52 weeks.
Third party coverage
For any damage to another person’s property or injury caused to them, you’ll just need to pay the first $1,000 and we’ll take it from there.
| Benefit | Bicycle Network | Private Health | Competitor |
| Non-Medicare Medical Costs |
85% of costs up to |
Yes | 85% of costs up to $7,500 • $75 excess |
| Loss of Earnings |
85% of income to max |
No | 85% of income to max $500 per week • 28 day excess • 52 week benefit |
| Replacement Bicycle Hire |
$500 |
No | No |
| Out of Pocket Expenses |
Up to $500 per week |
No | No |
| Home Help Expenses |
Up to $200 per week |
No | Up to $200 per week for 52 weeks |
| Chauffeur Plan |
$5,000 |
Travel expenses (only some policies) |
$25 per day (up to 12 weeks) |
| Permanent Injury |
Up to $100,000 |
No | Up to $100,000 |
| Third-party coverage |
$5m for bodily injury |
No | $20m for personal injury or property damage ($1,000 excess) |
| Accidental Death |
$50,000 |
No | $50,000 (over 18) or $10,000 (under 18) |
| Funeral Expenses Benefit |
$5,000 |
No | $10,000 |
| Rehabilitation Benefit |
$10,000 |
Yes | $20,000 |
| Counselling Benefit |
Up to $200 per week |
Yes | Up to $1000 per week (max of $10,000) |
| Modification Benefit |
$10,000 |
No | $10,000 |
| Overseas Medical & Repatriation Expenses |
$50,000 |
No | No |
*This is a summary of the cover provided and policy comparisons are a guide only. This information is not intended to provide a comprehensive overview of the cover available under the policies. For full details, please refer to the supporting Bicycle Network insurance policy documents for full terms, conditions, and limits, in addition to those from your individual health insurance provider or other insurance provider for an accurate comparison of benefits.
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Insurance FAQs
Who is insured?
This insurance product covers Bicycle Network* Members.
There are benefits in the policy that cover everyone regardless of age. There are some changes once you reach 75, see the policy wording for more details.
When am I covered?
- When you sustain an injury during any or all recreational or commuting bike riding activities (excluding riding to derive a commercial benefit – e.g. racing)
- Whilst participating in a Bicycle Network event
What is covered?
- Accidental death and total disablement
- Personal injury
- Loss of income
- 3rd Party Liability Coverage (if you injure someone else or cause damage to someone else’s property)
What is not covered?
- Medicare gaps (Federal legislation precludes us from doing so)
- Property (bicycles, accessories etc.) except where covered under Event Benefit
- Loss of income due to injury sustained while participating in a race or while riding for commercial benefit (e.g. racing)
Making a claim
Please give us a call on 1800 639 634 to book a time to speak with our dedicated Riders’ Rights team about making a claim.
