Frequently Asked Questions
Where and when am I covered?
Cover under the Bicycle Queensland insurance policies apply when members are riding their bike on a 24/7 basis, including commuting to work, on a training ride or participating in a cycling event (excluding races) and travel to and from these activities anywhere in the World.
What insurance policies are automatically provided as a part of Bicycle Queensland membership?
The following insurance policies automatically form part of membership;
- Public Liability / Professional Indemnity
- Personal Accident
What is NOT covered?
- Bicycles and associated equipment
- Personal Property
- This policy excludes all activities not related to bicycle riding, whereby the definition of ‘bicycle’ and ‘bicycle riding’ is as prescribed by Queensland law. Use of other ‘rideables’, personal mobility devices, skateboards, foot scooters, and similar are not covered by this policy.
- The Bicycle Queensland supporter membership does not include any insurance cover.
Bicycle Queensland members are encouraged to arrange separate insurance policies to cover your bike and personal equipment.
What is Public Liability Insurance?
Public Liability Insurance pays for costs you are liable for in the event you cause bodily injury to someone or damage their property as a result of negligence whilst riding a bicycle.
Am I covered if I cause damage to a motor vehicle?
Yes. If the motor vehicle owner takes action against you claiming for reimbursement of the cost of repairs etc and you were at fault, cover under the Bicycle Queensland liability policy applies.
What is the Limit of Liability?
$20,000,000 for Public Liability claims
$5,000,000 for Professional Indemnity claims
Am I covered whilst participating in a race?
No – Racing is excluded. Cover does however apply if a Bicycle QLD member is participating in an organised cycling event.
Are non-Australian residents covered?
Yes providing you are a Bicycle Queensland member
What is Personal Accident Insurance?
Personal Accident Insurance covers you for injuries you sustain while riding your bike on a 24/7 basis.
The most commonly claimed expenses under the Bicycle Queensland Personal Accident policy are;
- Non Medicare Medical Expenses (85% of Non Medicare Medical Expenses up to $7,500)
$50 excess applies, $nil excess if you have private health insurance
- Loss of Income (85% of your income up to $800 per week)
There is no benefit payable for the first 28 days you are away from work as a result of your injury. The benefit period is 26 weeks.
Are there any medical expenses which are not covered?
Yes. There is a Government Legislation which prevents insurers from covering Medicare related costs including the Medicare Gap.
The most common “Non-Medicare” expenses include:
- Private Hospital Bed & Theatre Fees
Medical expenses that are covered by Medicare (i.e. not covered by this sports injury policy) include:
- Doctor’s Fees
- Anaesthetist’s Fees
- Surgeon’s Fees
Am I covered in the event of death or other permanent injury?
Yes, the following lump sum payments are provided under the Bicycle Queensland Personal Accident policy;
- Death Members (aged 18-65 years old) $50,000
- Death Members (aged under 18 and over 65 years old) $20,000
- Quadriplegia / Paraplegia $100,000
- Capital Benefits $100,000
What is the age limit on the Bicycle Queensland Personal Accident Policy?
The policy covers members up to 100 years of age.
Do I have to pay for my medical expenses first?
Yes, the Personal Accident policy is a reimbursement policy, you must pay for your medical expenses and seek the applicable reimbursement under the Personal Accident insurance policy.