Cycle Insurance for Bike Commuters

Commute/City Insurance

Commute in confidence in the knowledge that you’re insured when riding on busy City roads.

As a commuter, you don’t need reminding of the accidents and thefts that occur and the risks that cyclists face on the road – you’ll be only too aware of the statistics. Commuting is about the #goodstuff. It’s a great way to stay healthy, reduce your carbon footprint and perfect for nipping to the shops. Wiggle Cycle Insurance wants to keep you commuting.

As a commuter or city cyclist, here’s why you should consider cycle insurance:

Theft & Accidental Damage
Theft & Accidental Damage

If you cycle to work, we’ll protect you against theft if your bicycle is stolen, as long as you’re using an approved lock to secure your bike to an immovable object. Your bicycle may be secured in a public place for up to 24 hours.

If you’re involved in a collision with a car, pedestrian or fellow cyclist, our cycle insurance will cover you for accidental damage. We’ll also cover any accessories named on your policy for theft or accidental damage.

Third Party Liability
Third Party Liability

If you’re out riding and accidentally run into a pedestrian, or cause damage to the property of a third party, Wiggle Comprehensive offers liability cover for Third Party Property Damage and Third Party Bodily Injury up to $10 000 000.

Emergency Private Medical, Dental And Physiotherapy
Emergency Private Medical, Dental And Physiotherapy

If you are injured as a result of a crash whilst riding your bicycle, we will reimburse your reasonable costs, up to a maximum of $10,000 in the aggregate over the period of insurance, for non-Medicare medical expenses incurred within 12 months of the injury. Examples of non-Medicare medical expenses include ambulance, physiotherapy and dentistry.

Income Replacement
Income Replacement

If you are injured as a result of a crash whilst riding your bicycle and are unable to perform your usual or regular occupation, we will pay you UP TO $1,000 per week for a period of up to 50 weeks in any one period of insurance.

Our Cycle Insurance

At Wiggle, we love bikes.
That’s why we’ve developed Wiggle Cycle Insurance, we want people to experience the joy of cycling without having to worry about the bad stuff.

We’ve made it easy for cyclists to find the right policy for their ride and their pocket. We offer two straightforward policies packed with extensive benefits to provide cyclists with cover they can rely on, exceptional value, and a claims service to get you back on your bike as quickly as possible, should you need it. Enjoy your ride in the knowledge that you have the right cover. Wiggle Cycle Insurance we’re for the #goodstuff.

/ 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

What we cover

Wiggle Cycle Insurance is designed to protect every type of bicycle.
There’s no need for specialist mountain bike insurance, triathlon insurance or road bike insurance – our straightforward policy fits all!​