 | 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 *The above fees are included in Bike SA's standard membership. For upgrades to suit your lifestyle and needs, click here.  | 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 What is Member Liability Insurance?
This insurance covers you in the
event you injure a third party or damage third party property whilst
participating in bicycle riding activities. What does the Accident Insurance cover?
The policy covers items such as Loss of Income, Lump sum benefits following Death or Trauma, Non Medicare Medical Expenses and Rehabilitation Costs. Is my bicycle insured for theft or damage?
No, but we recommend Cyclecover GOLD, a home and contents insurance policy specifically designed for cyclists, that includes comprehensive bicycle insurance. For more information, go to www.cyclecover.com.au. Are there any geographical limits?
Both the Accident & Liability policies will cover you anywhere in Australia & New Zealand. Am I covered if I have an at-fault accident?
Yes you are covered for injuries and liability even if the accident was your fault. Am I covered if I am unemployed, a full time student or a pensioner?
Yes you are covered under all sections of the policy excluding Loss of Income. 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 does it cover?
Member's
legal liability to compensate third parties with regard to Personal
Injury/Death and/or Property Damage as a result of an occurrence arising
from the bicycle riding activities of the member. 24hr/7 day a week
cover.
Am I covered if I
damage someone else's property whilst participating in a Bicycle Riding
Activity?
Damage to another person's property as a result of an
accident where you are found to be negligent is covered under this
liability policy. For example if you damage a third party vehicle and
are found to be negligent the policy will cover the damage less the
policy excess. Am I
covered if I cause bodily injury to someone else whilst participating in
a Bicycle Riding Activity?
Injury caused to another person's
property as a result of an accident where you are found to be negligent
is covered under this liability policy. For example if a member causes
another rider to fall and is found to be negligent the policy will cover
the damage to the third party less the policy excess. What is the policy Excess?
$1,000
Each & Every Incident. This is payable for all claims.
| What do I do if I am involved in an incident? | | - Do not
admit negligence to the third party
- Complete the
incident report form and return to our office immediately.
Member Liability Claim form -  Click Here
Personal Accident Claim form - Click Here
- 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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