Insurance Policy

If you have any questions or would like to contact us regarding a claim, please do so through the "contact us" page.

Australia’s Premium Bike Crash Insurance covers members when riding a bike and

• Are injured (personal accident insurance)

• Injure someone else* (personal liability insurance)

• Damage someone else’s property* (personal liability insurance)

• Travel Insurance for Great Rides (personal accident insurance)

Australia's premium bike crash insurance* covers you wherever you live in Australia.

(*Subject to the terms, conditions and exclusions of the applicable policy wordings and Product Disclosure Statements.)

Members who renew or join Bicycling Western Australia membership from the 21 December 2009 onwards will be covered under the Bicycling Western Australia Personal Accident Insurance Policy underwritten by Calliden Insurance Limited (ABN 47 004 125 268 AFS Licence N0.234438) and Bicycling Western Australia Liability Insurance Policy underwritten by Lloyds of London. These insurances are not optional, they form part of the membership benefits to Bicycling Western Australia. The insurance benfits are subject to change throughout the year.

A copy of the Callinden Policy 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 Western Australian member of Bicycling Western Australia who has had a bike accident.

Schedule of Benefits	Per insured person
Death	$25,000
Capital Benefits	$50,000 (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 inconcenience 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	$100,000
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 Bicycling Wesstern Australia managed event.

Reduced excesses and waiting periods apply to volunteers whilst acting in a voluntary capacity.

Major Conditions:.

• Not covering expenses for private doctors & surgeons over their schedule fees.
• Not covering expenses where by Medicare has contributed to reimbursement (Medicare gap).
• This policy does not cover your property for theft, loss or damage (icluding bikes).

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 $5 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.

Bicycling Western Australia 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".