Bike riding insurance

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
Medical Costs

85% of costs up to

• $50 excess
• Includes dental coverage

Yes 85% of costs up to

• $75 excess
Loss of Earnings

85% of income to max
$1,000 per week
• 14 day excess
• 52 week benefit
• No coverage over 75 years

No 85% of income to max
$500 per week
• 28 day excess
• 52 week benefit
Bicycle Hire

(max. 30 day coverage)

No No
Out of Pocket

Up to $500 per week
for 52 weeks

(up to $5,000)

No No
Home Help

Up to $200 per week
for 52 weeks

(up to $5,000)

No Up to $200 per week
for 52 weeks
Chauffeur Plan


Travel expenses
(only some policies)
$25 per day
(up to 12 weeks)
Permanent Injury

Up to $100,000
($50,000 when riding for
remuneration or financial

No Up to $100,000

$5m for bodily injury
and property damage
($1,000 excess)

No $20m for personal injury
or property damage
($1,000 excess)
Accidental Death


No $50,000 (over 18) or
$10,000 (under 18)
Funeral Expenses


No $10,000


Yes $20,000

Up to $200 per week
(up to $2,000)

Yes Up to $1000 per week
(max of $10,000)


No $10,000
Overseas Medical
& Repatriation


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.

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