Membership and benefits
Bicycle New South Wales Membership starts at just $141 annually for individuals ($121 for those eligible for concessions) and $189.50 for a family of up to six, providing a range of benefits that rival private health policies at a much more affordable price.
Moreover, while private health insurance premiums have been rising above inflation rates, Bicycle New South Wales membership fees have only seen a minimal increase over the past few years.
Before you insure
Before purchasing insurance, be aware that coverage can vary between insurers. It's crucial to select a policy that aligns with your specific needs. Insurance doesn't encompass all scenarios, so it's vital to know what is and isn't included. Additionally, ensure you understand the premium expenses and any deductible you may be responsible for in the event of a claim.
* For the most current information, please refer to the provider's website as updates may have occurred since the time of this article.
Our three main Memberships are:
Household Membership: includes 2 adults of any age and up to 6 dependents.
Individual Membership: for the sole rider in a household.
Concession Membership: for the sole rider who is over 65, or under 25 and living away from home.
We also offer Corporate Memberships and Council Memberships. Contact us for more information or to discuss.
Bicycle New South Wales (Bicycle NSW) insurance, private health insurance, superannuation, and Medicare each serve different purposes and offer distinct benefits. Here's how they differ:
Bicycle NSW Insurance
- Tailored for Cyclists: Specifically designed to cover accidents and incidents that occur while cycling. This includes personal accident and $20 Million public liability cover. Coverage for injuries sustained while riding, is not typically included in standard health or home insurance policies.
- Income Protection: Provides income protection if you're unable to work due to a cycling accident, paying 85% of your weekly salary up to $1,000 for 52 weeks.
- Additional Benefits: Offers unique benefits such as coverage for taxis and rideshares if you're unable to drive, childcare benefits, and modification expenses.
- Legal Support: Access to legal advice and support for cycling-related issues, including an initial consultation at no charge with multi-award winning partner Advantage Legal our partner law firm.
- Advocacy and Community: Supports advocacy efforts to improve cycling conditions and infrastructure, and provides access to a community of cyclists for every type of bicycle user. This includes if you're a commuter, an e-bike enthusiast, a mountain biker, or a casual weekend rider.
Private Health Insurance
- Broad Health Coverage: Covers a wide range of health conditions and services, including hospital cover and extras like dental and optical care.
- Choice of Doctor and Hospital: Allows you to choose your doctor and access private hospital rooms, which can lead to shorter waiting times for certain treatments.
- Comprehensive Medical Services: Provides coverage for various medical services, including surgeries, specialist consultations, and emergency care.
- Preventive Care: Often includes preventive care services such as vaccinations, health check-ups, and screenings.
- Personal Accident: and $20 Million public liability coverage for injuries sustained while riding, is not typically included in standard health or home insurance policies. Also, why we have $7,500 per injury non medicare expenses benefit available. This is the reason why Bicycle New South Wales Insurance, (automatically included in our Membership) is so important.
Superannuation
- Retirement Savings: Superannuation is a long-term savings plan designed to provide income in retirement.
- Investment Options: Offers various investment options to grow your savings over time.
- Insurance Coverage: Many superannuation funds include life insurance, total and permanent disability (TPD) insurance, and income protection insurance.
- Tax Benefits: Contributions to superannuation are taxed at a lower rate, providing tax benefits to savers.
Medicare
- Universal Health Coverage: Medicare provides access to a wide range of health services for all Australian residents, including doctor visits, hospital care, and some prescription medications.
- Public Health System: Covers services provided in public hospitals and by general practitioners (GPs) and specialists.
- Bulk Billing: Many services are bulk billed, meaning there is no out-of-pocket cost for patients.
- Medicare Benefits Schedule (MBS): Lists the medical services subsidised by the government, ensuring affordable access to essential health care.
Yes! No matter where our members live within Australia, they enjoy the same insurance cover and other membership benefits.
If you are living overseas, you must spend at least 6 months living in Australia within the Membership year (1 July - 30 June) for our insurance to cover you.
Your membership runs for 12 months for 12 months to the end of the month you joined the following year.
Your membership is valid for 12 months, starting from the first of the next month (and including the remainder of this month)
All memberships purchased are for 12 months starting from when you purchased it, including the remainder of the current month for free.
Renewing my membership
Yes, you will receive email communication from Bicycle NSW to advise if your card is about to expire, or it is time for your membership renewal.
For peace of mind, we recommend setting up your membership on an auto renewal basis so you will always be covered by our insurance. You will receive reminder emails to give you a chance to make changes if necessary.
We auto-renew Memberships on the 20th of the final month to ensure that there is still time to sort out payment if there are any issues, to ensure continuous coverage for peace of mind.
When you join Bicycle NSW, you will receive a link to your Digital Membership Pass through your emails from us. The Membership card can be downloaded to your Apple or Google Wallet.
Alternatively you can login to your account and download it there.
If you need more information, we have written up a Digital Membership Card FAQ.
Rides / Local information
You can visit our page here for rides in your area.
Please go to our NSW Riding Map or check out the rides run by our local Bicycle User Groups.
We recommend reaching out to your local Bicycle User Group.
Help! I need advocacy in my local area!
Take a photo/s and note the location of the issue (cross streets or the longitude and latitude coordinates). We recommend contacting your local council through the contact details on their website or for main roads contact the Transport Management Centre on 131700 or fill out their online form.
If you are having difficulty, please contact Bicycle NSW on info@bicyclensw.org.au and we can help you.
Our local Bicycle User Groups (BUGs) may have an advocacy coordinator for that area. Find your BUG here and contact them for more information.