Insurance

This insurance provides protection to you in the event of an action being made against you for negligence resulting in bodily injury and or property damage.

The policy covers items such as Loss of Income, Lump sum benefits following Death or Permanent Injuries, Non Medicare Medical Expenses and Rehabilitation Costs.

No, the policy does not cover your bicycle

The policy provides worldwide coverage on both personal accident and public liability insurance.

Yes you are covered for injuries and liability even if the accident was your fault.

Yes you are covered under all sections of the policy excluding Loss of Income.

You must initially claim on your Private Health Insurance and then claim on the personal accident policy for any Non Medicare Medical expenses that exceed the limits of your Private Health Insurance

No, the Health Insurance Act (Cth) 1973 does not permit the Insurer to contribute to any charges covered by Medicare (including the Medicare Gap). This means that any charges for treatment from a Doctor, Surgeon, Anaesthetist or Surgeon's Assistant are not covered. It also means charges for X-Ray, some MRI Scans (if Medicare registered) and Public Hospitals are not covered. In addition, there will be no refund in respect of:

a. any expenses recoverable by You from any other insurance scheme or plan providing medical or similar coverage or from any other source except for the excess of the amount recoverable from such other policies/plans.

b. any expense to which the National Health Act (Cth) 1953 or any of the regulations made there under apply.

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.

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.

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.

$1000 per claim for a Public Liability/Professional Indemnity claim

Do not admit liability to the third party under any circumstance.

Membership with Bike SA includes cover under the Bike SA Insurance Program. This program is handled by V-Insurance Group (Corporate authorised representative of Willis), our insurance broker. For details on the Insurance Program including what is covered and how to make a claim, contact V-Insurance Group on 1300 945 547 or sports@vinsurancegroup.com. Policy documents can be accessed via the V-Insurance website.