Cycle Insurance Compare

Compare Wiggle Cycle Insurance

Wiggle have made it easy for you to compare bicycle insurance. Our table below compares Wiggle Cycle Insurance with other providers and organisations offering insurance to cyclists. It’s easy to compare on price but you should always check what is actually included in the price you have been quoted.

/ Wiggle Insurance
/ Home & Contents
/ Cycling Membership Programme
/ Specialist Cycling Insurers
Wiggle essential (Bike $1500)
$100
N/A
$125
$154
Electric Bikes
yes
yes
no
yes
Multi bike discount
yes
no
no
yes
Accidental Damage
yes
no
unlikely
yes
Theft - Home and away
yes
yes
no
yes
Zero Admin Fees
yes
unlikely
yes
yes
Income Replacement
yes
no
yes
unlikely
Personal Accident
yes
no
yes
yes
Public Liability
yes
unlikely
yes
no
Permanent Injury
yes
no
yes
yes
Funeral
yes
no
yes
no
Worldwide Cover
yes
no
yes
yes
Transit
yes
unlikely
no
yes
Racing Cover
yes
no
no
yes
Monthly Payments
yes
yes
unlikely
yes
New for Old
yes
unlikely
no
yes
Excess
$250 - $350
$250 - $500
$50 - $1000
$500

Enter bicycle value

Wiggle essential (Bike $1500)
Electric Bikes
Multi bike discount
Accidental Damage
Theft - Home and away
Zero Admin Fees
Income Replacement
Personal Accident
Public Liability
Permanent Injury
Funeral
Worldwide Cover
Transit
Racing Cover
Monthly Payments
New for Old
Excess
Wiggle Insurance
Home & Contents
Cycling Membership Programme
Specialist Cycling Insurers
$154yesyesyesyesyesunlikelyyesnoyesnoyesyesyesyesyes$500

Enter bicycle value

Cycle Insurance v Other Insurance

The amount of bicycles purchased in Australia in the last five years has skyrocketed. Unfortunately the bike theft figures reflect this. There are ways to protect yourself against this risk but with numerous insurance options on the market, make sure you do your homework so you’re not left unprotected.

Home & Contents Insurance

Many cyclists are happy to have their home insurance cover their bikes as it’s usually inexpensive. However, don’t assume you bike is covered as home insurers will mostly have limitations and exclusions on how your cycle can be used. Home insurance simply wasn’t designed to insure the modern cyclist.

Once outside the home, almost no home insurance covers accidental damage, personal accident, public liability or any of the other benefits usually associated with specific cycling insurance. Home insurers often impose large excess amounts, commonly in the region of $500 and in addition to this, your home insurance ‘no claims’ may be effected. The real cost of covering a bicycle on your home insurance is worrying. We recommend you carefully assess the level of cycle cover you have on your home insurance and what your exposure is in the event of claim.

A few shortcoming of some home insurance:

  • Low maximum cycle value
  • No cover for theft or accidental damage away from the home
  • Excess up to $500
  • Exclude competitions
Wiggle Insurance

Membership Insurance

A certain level of insurance is included in the membership offered by Cycling Membership Organisations. It is extremely important not to assume that you are sufficiently covered without understanding the level of cover provided. Many people turn to a club or organisation just for the insurance, unaware that it does not cover their bikes, or offer the range of comprehensive benefits a cycling specific insurer often provides.

Wiggle Insurance

Our Cycle Insurance

At Wiggle, we love bikes. We ride bikes everyday across all cycle disciplines, our cycle insurance team know the risks and believe you should consider cycle specific insurance.

We’ve made it easy for cyclists to find the right policy for your ride and your pocket. We offer two straightforward policies packed with extensive benefits to provide cyclists with cover they can rely on, unbeatable value, and a claims service that will get you back on your bike as quickly as possible, should you need it.

It’s quick and easy to get a quote and you can even pay monthly.

Wiggle Insurance

/ Essential Cover

Essential Cover insurance for only $100 a year.
Non-Medicare medical costs $10,000
Accidental damage $1,500
Malicious damage $1,500
Income replacement $50,000
Theft at or away from home $1,500
3rd Party Property Cover $10,000,000
3rd Party Bodily Injury Cover $10,000,000
Permanent injury $100,000
Loss and damage in transit up to $1,500
Death lump sum payment $50,000
Funeral $5,000
Home help expenses $5,000
Chauffeur plan $4,000
Home and motor vehicle modifications $10,000
Counselling support $2,000
View all benefits

/ Comprehensive Cover

Comprehensive Cover insurance could be for you if you’re looking for cover for racing, travel and up to $30k of theft.
Non-Medicare medical costs $10,000
Accidental damage $30,000
Malicious damage $30,000
Income replacement $50,000
Theft at or away from home $30,000
3rd Party Property Cover $10,000,000
3rd Party Bodily Injury Cover $10,000,000
Permanent injury $100,000
Loss and damage in transit up to $30,000
Death lump sum payment $50,000
Funeral $5,000
Home help expenses $5,000
Chauffeur plan $4,000
Home and motor vehicle modifications $10,000
Parent incovenience expense $2,000
View all benefits