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 What does your insurance get you?  

You wouldn't drive a car without insurance, so why would you ride a bike? At Bike SA, we've got you covered!
 

Whether you're riding for recreation, health, commuting to work or even if you are out on a training ride, Bike SA membership covers you 24 hours a day, seven days a week anywhere in Australia and New Zealand.

Members receive a range of insurance benefits:

Third Party Liability $20,000,000
Capital Benefits Up to $100,000
Loss of Income Up to $800 per week for 104 weeks
Medical Expenses $5,000
Plus a list of extensive additional benefits

Read full summary of insurance benefits for Bicycle SA members

Please note: Insurers are prohibited by law (Section 126 Health Insurance Act) to make any payments for any service for which Medicare also makes any payment.

 *The above fees are included in Bike SA's standard membership. 

 Case studies  

Below are examples of how different insurances work together:  

1. As a result of an accident covered under the policy, John required 8 physio sessions @ $90 per session. John had private heath insurance and was able to claim 60% of the total physio expense. John was able to claim the health insurance gap under his Bicycle SA membership:

10 Physio sessions @ $90 = $900
Health Insurance covered 60% = $540
Heath Insurance Gap = $360
Bicycle SA membership Insurance covers 85% = $306
Less Bicycle SA insurance excess of $50
Bicycle SA membership insurance paid $256.00

2. As a result of an accident covered under the policy, Mary required $5,000 in dental work. Mary had private heath insurance and was able to claim 60% of the total dental bill. Mary was able to claim the health insurance gap under her Bicycle SA membership:

Dental bill = $5,000
Health Insurance covered 60% = $3,000
Heath Insurance Gap = $2,000
Bicycle SA membership Insurance covers 85% = $1700
Less Bicycle SA insurance excess of $50
Bicycle SA membership insurance paid $1650.00

3. As a result of an accident covered under the policy, Joel required 6 chiropractic sessions @ $110.00 per session. Joel didn't have private heath insurance.

6 Chiro sessions @ $110 = $660
Bicycle SA membership Insurance covers 85% = $561
Less Bicycle SA insurance excess of $50
Bicycle SA membership insurance paid $511

Bicycle SA membership provides cover for Non-Medicare Medical Expenses up to 85% of costs to a maximum of $5,000. Private Heath Expenses are limited to $500. An excess of $50 applies to all claims. The above scenarios are subject to the policy terms, conditions and exclusions.

 Frequently Asked Questions  

Member Accident Insurance

This insurance covers you in the event you are injured whilst participating in bicycle riding activities.

Read FAQ

 

Member Liability Insurance

Cover up to the sum insured where members are legally obliged to pay compensation to a third party as a result of the member's negligence.

Read FAQ


 What do I do if I am involved in an incident?  

  1. Do not admit negligence to the third party
  2. Complete the incident report form and return to our office immediately.
  3. Member Liability Claim form - Click Here
    Personal Accident Claim form - Click Here
  4. Contact our office on 1300 733 055 with any questions or for assistance.

* Please refer to www.cyclecover.com.au for a full description of insurance cover, conditions & exclusions.



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