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Insurance for you
A Bicycle NSW Membership provides insurance coverage tailored for recreational cyclists.
Why do you need cycling insurance?
Our insurance coverage is designed for recreational cyclists. From medical expenses to income protection and home help, to death and permanent disability benefits.
Public liability for when you're out and about.
Bicycle NSW's Membership cover is a cost-effective way to:
- Have peace of mind while you are cycling anywhere in the world
- Cover medical costs not covered by Medicare (eg. dental, ambulance)
- Protect you from financial risk if something goes wrong
- Access public liability (third party) cover
- 24/7 access to insurer via phone call
Membership starts from $2.50 a week ($126 as an annual fee).
Included in your Membership
Download the PDS for Personal Accident (injuries)
For specific coverage questions, please contact V-Insurance directly on 1300 172 321 or +61 (2) 8599 8660 or sports@vinsurancegroup.com
'...the whole claim process worked very well ... I never thought I would ever make a claim for a bicycle accident but you never know what's around the corner. I am so glad the insurance was there when I needed it.'
How does this compare to other types of insurance?
Insurance for your bicycle
Looking to insure your bicycle against theft / damage?
Bicycle NSW has partnered with Insurance4That (IAG) to provide a quality and cost-effective bike insurance product for all bicycle owners.
Bicycle NSW Members receive a 10% discount (see the Member portal for the code).
What's covered? Replacement of your Bicycle and Bicycle Accessories in your home for loss or damage caused by
- theft
- fire
- storm
- cyclone
- flood
What else can be included? You can add on:
- Theft cover anywhere in Australia,
- Accidental damage anywhere in Australia.
Why do I need bike insurance?
Bikes and property (of yours) is not covered under the Bicycle NSW Membership coverage. Your bikes and property are also not covered by CTP if you are involved in a motor vehicle incident.
Frequently Asked Questions
Is Insurance included in a Bicycle NSW Membership?
Yes, personal accident and public liability (third party) insurance is included in all three of our Membership offerings: Household, Concession, Individual. Details at V-Insurance.
Excluded is bike / e-bike insurance (theft / damage) which is available at a discount to our members through our partner insurance4that.
Does Bicycle NSW insurance include e-bikes?
Yes, Bicycle NSW insurance covers you for personal accident injury and public liability (third party) incidents on any bike / e-bike, as long as the bike is legal for use on public roads.
Are passengers on e-bikes covered by Bicycle NSW insurance?
Yes, any Bicycle NSW members are covered when they are a passenger on a bike or e-bike, as long as that bike is legal for use on public roads.
Does Bicycle NSW insurance cover riders of any age?
Yes, Bicycle NSW insurance covers riders of all ages - there is no age limit. Riders under 18 and over 65 (Concession Memberships) are covered the same.
If you require more details, please contact us or V-Insurance to request a copy of the PDS.
Are e-scooters covered?
Members are covered when riding an e-scooter whilst:
1) part of an authorised NSW Government trial, or
2) outside the geographical limits of NSW and whereby permitted by local government legislation. (eg. South Australia).
Does Bicycle NSW insurance include mountain biking?
Yes, Bicycle NSW insurance covers you for personal accident injury and public liability (third party) incidents on mountain bike rides, as long as it's not a race.
Who are V Insurance?
V Insurance are the insurance brokers for Bicycle NSW and they arrange the insurance for us and answer all your questions. There are other companies that are underwriting the insurance, and also managing the claims.
I'm a Bicycle User Group (BUG), where are my insurance details?
Affiliated Bicycle User Groups receive Professional Indemnity and Public Liability insurance coverage from Bicycle NSW's insurer.
Download the Summary of Cover brochure for Bicycle User Groups.