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
N/A
N/A
Electric Bikes
yes
unlikely
no
yes
Multi bike discount
yes
no
no
yes
Accidental Damage
yes
no
unlikely
yes
Theft - Home and away
yes
unlikely
no
yes
Personal Accident
yes
no
yes
yes
Public Liability
yes
unlikely
yes
no
Permanent Injury
yes
no
yes
yes
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
Personal Accident
Public Liability
Permanent Injury
Worldwide Cover
Transit
Racing Cover
Monthly Payments
New for Old
Excess
Wiggle Insurance
Home & Contents
Cycling Membership Programme
Specialist Cycling Insurers
$100
N/A
N/A
N/A
yes
unlikely
no
yes
yes
no
no
yes
yes
no
unlikely
yes
yes
unlikely
no
yes
yes
no
yes
yes
yes
unlikely
yes
no
yes
no
yes
yes
yes
no
yes
yes
yes
unlikely
no
yes
yes
no
no
yes
yes
yes
unlikely
yes
yes
unlikely
no
yes
$250 - $350
$250 - $500
$50 - $1000
$500
Enter bicycle value
Cycle Insurance vs 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
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.
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.
